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Personal Loan
Personal Loan is a credit service for commonalty to expense as they wish in the limit amount with the payment term,
normally the short-term payment. Personal Loan requestors have inform the officers and submit the documents to the company to
accompany in the consideration for Personal Loan approvement. After the approvement, the requestor will receive cash from the company
and have to pay the installment according to the Personal Loan agreement until the installment has reached the due.
The company started the Personal Loan service since 2002 (A.D 2545) providing the Personal Loan service to the customers,
who made the hire-purchase agreement and the agreement is still valid. The customers have to be the good credit customers with the steady payment,
able to pay the installment to the company, not containing the bad financial background and must have the enough warranty.
The company will elect the mention customer group from the customer base information of the company to offer the Personal Loan Service.
The details of the interest rate, fine, service charge, any fee and the actual and moderate expenses related with the under supervising personal loan, starts from July 1,2005
| 1. Interest, Fine, Service Charge, Any fee |
Highest 28 percent per year |
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Interest Rate (%per year)
Fine rate (%per year)
Service Charge (%per year)
Any fee (%per year)
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12.00
0
0
12.00
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| The actual and moderate expenses |
| 2. The expense for the government sector, duty stamp |
1 BHT from every 2,000BHT loan or the change of 2,000BHT loan |
3. The expenses for the external sector or the other party
Payment expense
Credit Inspection expense
The expense in case of the insufficient account
(In case of pay the installment by deduct form the bank account with the other Financial Institution)
The expense of the payment follow up
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Pay by account deduction 10-30 BHT/time
Pay through ATM 10-30 BHT/times
- Pay at the bank counter service 10-30 BHT/time
- Pay through the auto phone 10-30 BHT/time
- Pay at pay point 10-30 BHT/time
- Pay through the internet service 10-30 BHT/time
- Pay by cheque or Postal Money Order – BHT/time
- Pay by mobile payment 10-30 BHT/time
- Pay at post 10-20 BHT/time
12 BHT/time
Maximum 100 BHT/time
Maximum 45 percent of a total credit remaining
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| 4. The cost expenses for the company procedure
The expense of the payment follow up
The returning cheque expense
Card renewal expenses in case of lost/damage (In case of using the card in deposit and withdrawn)
The expense for the requisition of the invoice of each payment (since the second payment)
The expense of requisition for new card registration number
The expense for the list inspection
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150 BHT/time
200 BHT/time
- BHT/time
- BHT/time
- BHT/time
- BHT/time
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