NotiPass_80%K-Trade Connect will be closed on December 11, 2019 at 10:00 p.m. and resuming services on December 12, 2019 at 02:00 a.m. $More Details.%/en/announcement/Pages/SystemMaintenanceK-Trade-Connect.aspx
/en/personal/loan/personal-loan/pages/k-personal-loan-for-happy-life.aspx
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K-Personal Loan for Happy Life
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Pay less. Live more.
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Anything you want in life,
get it with lower interest rate.
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Loan Details
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InterestThe interest rate is based on
the announcement of the bank | Period- Credit loan from 10,000 to 49,999 baht is entitled to tenors of 12, 18 or 24 months
- Credit loan from 20,001 to 1,500,000 baht is entitled to tenors of 12, 18, 24, 36, 48 or 60 months
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Credit limitMinimum of 10,000 baht, maximum of 100% of the cumulative total of the unique benefits of fund members | Fees / Expenses- No loan administration fee
- No penalty payment for closing half of the agreed loan
- Stamp duty for the loan contract*
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*Stamp duty for a loan contract is 1 baht for a 2,000-baht loan (each 2,000-baht portion will be subject to a stamp duty of 1 baht).
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Loan withdrawal.
Credit to your savings account
as a net amount after revenue stamp deduction.
Loan repayment.
Applicant’s company / organization with agreement with the bank will
debit the borrower's salary account to repay for the loan every month until settlement.
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How to Apply
| Qualifications |
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Age- The age of the borrower plus the duration of the installment period cannot exceed 60 years or cannot exceed the retirement age set by the organization
| Status- A personal loan for members of provident funds managed by Kasikorn Bank that Kasikorn Bank is the fund committee. The company, for which the borrows work, must have signed a memorandum of understanding with the bank
- Permanent employees of the organization
| Income- No limit of minimum income
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Duration of employment- At least one year of employment with the organization
| Others- Approval must be granted by the applicant’s organization
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| Required Documents |
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Personal- Copy of a national ID card of which the 13-digit registration number is clear
- Copy of a name-surname change certificate (if any)
- Copy of a Kasikorn Thai savings passbook
- Letter of notification to proceed (the document can be requested at the company's Human Resources Department / original affiliation of candidates)
- Copy of the fund balance of the provident fund (in case of membership in the provident fund
| Income- Payslip or salary certificate, not more than 2 months old (original or copied)
- If a salary certificate is used, please attach a bank statement showing salary being deposited for the past 3 months
- If there is other income apart from permanent work, such as commissions, attach a copy of bank statement going back at least 6 months showing such income being deposited into the account or the withholding tax certificate, 50 bis, for the current year
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Remarks:
- Certified true copies of all documents are required
- The bank reserves every right to reconsider or change the conditions of the service according to the bank’s policies. This can be done without prior notice
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Frequently Asked Questions
Is an additional loan possible? If so, what is the maximum amount?
An additional loan is possible, but the combined loan amount must not exceed the loan limit set by the Bank. For additional information, please inquire at the K-Contact Center at 02-8888888 or the human resources person whom you worked with at the company, which should already have entered an MOU agreement with the Bank.
If the loan request is less than 10,000 baht, what should I do?
According to the service criteria, the minimum loan limit is set at 10,000 baht. If the requested loan is below this amount, it will fail the service criteria.
If I’m not a member of a provident fund, how can I apply for the loan?
This service is for members of the provident fund that Kasikornbank Asset Management manages. The fund and the requester’s company must have entered into an agreement with the Bank first before the service can be available to the requester.
I can use this loan to buy anything as long as it is for consumption?
It can be used to buy goods and services as needed. There is no condition for this as long as it is for consumption.
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