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The loan is offered to clients having a current account with us - Withdraw in excess of the agreed limit. Loaner can be either a natural person or a juristic person.
Remark: For individuals (natural persons) wishing to use their residence as a collateral, please consult our
Permsap Housing Loan which is another overdraft option for personal clients.
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Request a loan - as either a natural or a juristic person - using a promissory note as evidence. The advantage is a short-term loan repayable within 1 year, or upon request, or according to determined intervals. You can make the loan in THB as well as in a foreign currency, whichever you prefer.
Moreover, if your business is included in the Bank of Thailand support range, according to the SMEs support program, you are welcome to contact us in order to get interest rates compliant with the Bank of Thailand; also applicable for the Bird Flu, the Tsunami or the Unrest in the 3 Deep South Provinces Relief Program |
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Loan offered to businesses other than the property industry (a separate service is offered - please click Housing Loans). The granted loan is paid either entirely or in portions, according to the agreed conditions. The loaner will not be able to make further requests upon making a payment, even though the due date is not yet reached. Loan duration exceeds 1 year, and our service is available nationwide. Long term loans options include:
Commercial Loans - Designed for commercial as well as general businesses, whether you are seeking to invest in land, building, machinery or any other sector in order to run your business.
Housing Loans - Ideal for property buyers (as a residence). Loan duration reaches up to 30 years (loaner must not be over 65 years of age upon fulfillment of contract).
Personal Loans - A multi-purpose loan that does not require a collateral that provides you with flexible personal spending. Decorate your home, buy a car, fund studies or receive hospital care, and repay according to determined intervals or on a monthly basis.
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Loans in a Foreign Currency |
Onshore Loans - A loan in a foreign currency granted to the following clients:
1. Onshore Loans with a loan contract as evidence (long-term loans)
2. Onshore Loans with a promissory note as evidence (short-term loans)
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Letter of Credit
A document issued by the bank, upon request from the importer, to be used when ordering merchandise from abroad. The bank will certify payment to the seller located overseas as soon as the bank is provided with the necessary ordering information as well as other related paperwork within the agreed time frame and conditions.
Domestic Letter of Credit
A domestic letter of credit is identical to an international letter of credit, with the exception that the buyer and the seller are operating in the same country.
Trust Receipt
The loan is ideal for importers and is granted in order to pay for imported goods or raw materials. The Trust Receipt loan will be repaid with income generated from goods import, production from raw materials and retail.
Packing Credit
Loan designed for exporters in order to purchase goods or raw materials meant for manufacturing and export. Upon receiving a notification of a "Letter of Credit" issue in their favor from a buyer located overseas, or upon receiving a Purchase Order or a Sales Contract from a buyer abroad, the exporter wishing to obtain a loan from the bank can be granted one by submitting the "Letter of Credit" issued by the corresponding overseas bank, or the Purchase Order / Sales Contract from the buyer (located overseas) to the bank for a loan.
Export Bills Purchased or Discounted
A Post-Shipment loan for exporters who have already dispatched their merchandise. The exporter can make a request for Bills Purchased or Discounted by providing the bank with the promissory note or shipping documents.
You can also refer to KrungsriTradeLink, an Internet service that will facilitate your international trading, at
www.krungsriTradeLink.com.
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Aval / Acceptance
BAY will assume the status of guarantor and will assure payment as well as debt collection by either being the aval or by accepting the client's bill(s).
Letters of Guarantee / Bank Guarantee
BAY will act as the client's guarantor when he/she is writing a contract or complying with the legal agreement/contract conditions as determined by the benefactor (juristic person or other party). We offer the following letters of guarantee:
- Bid Bond
- Performance Bond
- Advanced Payment Bond
- Retention money Bond (available for both state or private entities)
- Tax & Duty Guarantee
- Electricity Guarantee
- Merchandise Purchasing Guarantee
- Other Guarantees
Stand-By Letter of Credit
BAY will issue a contract-complying guarantee document to the benefactor through his/her financial institution, whether in the country or abroad.
Counter Guarantee
A guarantee contract issued by BAY as a loan collateral for banks and financial institutions.
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Occurs when a commercial bank purchases trading cheques or domestic bills that are still undue. BAY buys the following discounted bills from clients:
Trading cheque bearing a advanced date
Promissory note issued by the bank's customer (individual or juristic person)
Avaled/Accepted P/N and B/E, issued by BAY or other banks
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Forward Exchange Contracts |
A contract involving the bank and the client by agreeing to purchase/sell a foreign currency at a certain date. Both parties will agree on the fixed exchange rate to be applied, determined on the day the legal agreement is made.
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Credit/Financial Status Certification Issue |
A status and credit certification for the client to be provided to a third party (usually a government agency), with the advantage of being presented in a format specific the entity's requirements.
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Loans Supported by the State |
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BAY Product Programs Loans |
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Loan for Land Purchase in an Industrial Estate (that has an agreement with the bank) |
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Loan offered exclusively to major BAY corporate clients in order to alleviate risk from interest rates fluctuation
Features
Service is part of BAYs policy (depending on circumstances and conditions)
Objective: granted for working capital or long-term investment
Withdrawal within period fixed by the bank
Business operation has grossed continuous profit for at least 2 years; justifiable income not less than 200 million THB per year
Document for Primary Assessment
Copy of juristic person registration certification
Copy of Charter and juristic persons regulations
Copy of ID card and house registry of committee possessing endorsement authorization
Document attesting account transactions from a financial institution dating back 6 months; financial statement copy dating back 3 years
Written evidence of investment / contract of sale, assets / assets deposit
Copy of collateral right along with a locality map
Cash flow estimation documents of the project / company
Conditions for Loan Assessment and authorization
Comply with the banks regulations and conditions
Remark
Conditions are subject to change as appropriate
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Bank of Ayudhya PLC (all branches)
Call Center 1572
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1222 Rama III Road, Bang Phongphang, Yan Nawa, Bangkok 10120 Thailand
Telephone: (662) 296-2000 press 1572, Email : webmaster@krungsri.com |
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