TMB Ready Cash
Personal Loan – Revolving Credit Line is most convenient and expedient type of consumer loan. Granted limit can be freely used during account effective period without any concerns about cash withdrawal fee.

Special offer!  Now - 31 January 2009
0% Interest Rate for the first 2 months*
Plus Free! Caltex Voucher value 500 baht when withdraw cash
amount from 10,000 baht within the first billing cycle **
More offer! Waive first year annual fee and duty stamp fee

Interest rate depends on applicant’s occupation and monthly income

Remark: CPR (Consumer product Rate) as at 1/10/2008 = 18% per year

* Interest rate 0% for the first 2 months(from account’s open date), third month onward interest rate depends on applicant’s occupation and monthly income, starting from 22%-24% per year. Interest rate, penalty fee, service fee, pre-termination fee, late charge and other charges are maximum 28% per year.

** Free Caltex Voucher value 500 baht for the customer who get loan approval and withdraw 10,000 baht within the first billing cycle. (Cut off date every 22nd of each month) If the first billing cycle is less than 30 days, bank will calculate withdrawal amount in first and second billing cycle all together. Customer will get premium by mail within 60 days counting from approval date. TMB reserves the right to change or replace the premium with an equivalent value without advance notification. Interest rate, fee and premium offer are only for customer who applies TMB Ready Cash within 31 January 2009.

Apply now!
Product features
An unsecured revolving credit line designed for your own purpose.

Credit limit
3 times of monthly income, minimum 30,000 baht and maximum 1,000,000 baht

Payment amount
Minimum Payment 5% of the outstanding balance or minimum 1,000 baht within 25 days after the statement date (every 22nd of each month)

Approval result
Inform a primary result through SMS* via mobile phone
* A primary result will be sent to customer via SMS and customer will get approval letter to confirm credit limit approved and loan amount transfer. TMB reserves the right for credit approval.

Cash Withdrawal
Instant access to cash with available credit line 24 hr. from ATMs with ATM Pool logo. Hassle free with no extra charges.

Payment Channel
- Pay by Cash/Cheque at TMB bank counter
- Pay by Cash at every retail store with counter service signs
- Pay by cash at any post office nationwide

Customer Qualification
- Thai nationality only
- Age 20-60  years old
- Monthly income
Employee: ≥ 15,000 baht
Government Officer/State Enterprise Officer/Self-Employed: ≥ 20,000 baht
- Working experience
Employee: ≥ 1 year
Government Officer/State Enterprise Officer/Self-Employed: ≥ 2 years

Required Document
Employee/Government Officer/State Enterprise Officer
1. Copy of ID card and Copy of house registration
2. Original salary slip (carbon paper, latest month)
Remark: if salary slip is not a carbon slip or use salary certification letter (not more than 2 months), customer have to submit a copy of bank statement for last 3 months
3. Copy of bank account passbook required for disbursement
Self-Employed/Business Owner
1. Copy of ID card and Copy of house registration
2. Copy of Business registration certificate or Trade registration certificate and Copy of shareholders list
3. Copy of Bank statement for last 6 months or Copy of income tax certificate or Copy of Current financial statement
4. Copy of the first page of bank passbook , stated name of the applicant for loan disbursement
Additional document (if any)
1. Copy of professional certificate eg. Doctor, Engineer etc.
2. Copy of Name/Surname change certificate/ marriage/ divorce/ death certificate of spouse whichever the case (if any)

For Further Information

Every branch of the TMB Bank (Public) Company Limited
TMB Phone Banking 1558