Types of Credit

• Loan, O/D, discount cheque/ bill of exchange, acceptance-aval, and letter of guarantee that correspond to business operation
  

Credit Limit

• Credit limit per customer from Bt. 100,000 - Bt. 20 million

Interest Rate

Fee

• Not exceeding 2% of credit limit, minimum fee Bt. 2,000

Collateral

• The collateral in case of offering 3 times credit limit of collateral value
  - Core asset which is land with construction
  - Accommodation under the ownership of borrower, authorized persons, authorized signatories or relatives who registered in house registration
  - Bank deposits, bill of exchange of TMB only
  
• The collateral in case of offering 2 times credit limit of collateral value
  - Land with construction which is not business core asset (or Land, in case of juristic)
  - Accommodation under the ownership of borrower, authorized persons, authorized signatories or relatives who not registered in house registration

Note: In the case where guarantee is provided by SBCG

• Guarantee fee is charged by SBCG at 1.75% p.a. of the credit line.
  
• In case of existing customer, the new line cannot be used for debt settlement of the existing line.
  
• Maximum period of up to 5 years

Qualifications of Borrowers

• SME customers with total sales per year of not exceeding Bt. 50 million and having operated business for over 2 years
  
• Individuals or juristic persons operating businesses in Thailand
  
• Owner/Executive between 20-65 years old. If a person is over 65 years of age, executive between 20-50 years old is required to take part in applying for credit
  
• Not being NPLs with any financial institutions over the past 2 years
  
• Never been engaged I any financial accusation or bankrupt.
  
• Not being engaged in the following industries: real estate, conduction, hotel, Mill, Made-of-wood product, hire-purchase business, car dealer, secondhand motorcycle, booth, taxi, tuk-tuk, pawnshop, other immoral business.
  
  

Documents

Document	For Individual		For Juristic
	Borrower / Co-borrower	Guarantor / Spouse	Juristic Person	Authorized signatory / Shareholder
Copy of identity card
Copy of house registration
Copy of certificate for change of name / family name (if any)
Copy of marriage/ divorce certificate (if any)
Copy of business license
Certificate of incorporation of partnership/ company of not over 3 months from the date of the document submission
Company’s memorandum and articles of association
List of shareholders of not over 3 months from the date of the document submission
Copy of purpose document
Minutes of the meeting which is not over 3 months from the date of the document submission of the juristic person, with approval resolution passed for credit application and/ or account opening with TMB
Copy of statement from financial institution over the past 6 months
Copy of personal income tax certificate (Por Ngor Dor 90/91)
Financial statements over the past 1 year and Notes to Financial Statement
Copy of sale contract, or copy of deposit payment contract on goods or assets (if any)
Copy of title document regarding collateral/ Copy of building ownership letter
Letter of consent for disclosing the result of Credit Bureau Report