UOB i-Cash

Your life will be more completed with UOB I–Cash. You can apply for loan of 1.0 million bath without need to have any collateral of guarantor up to 60 installment months.

UOB I-Cash characteristic
Applicant qualifications
Document required
Interest rate, Fee and Other Charge
Bank Interest rate and Fee Announcement


UOB I-Cash characteristic
  • Maximum loan up to THB 1,000,000*
  • Interest rate calculated by effective rate.
  • Equally repayment each month with low interest rate.
  • Flexible installment up to 60 months.

* Subject to the final decision of the bank


Applicant qualifications
Applicant
Salaried
Self-employed
Thai Nationality
Age 20-60 years
Minimum income
THB 15,000

THB 20,000

Work experience
1 year work experience in same company or profession

3 years work experience in same business


Document required

Employed
1. Copy of ID. Card or government official card/state enterprise employee card
2. Original/copy of payroll slip or original of salary confirmation letter
3. Copy of bank statements for the last 6 months (for original salary confirmation letter)
4. Copy of book bank for disbursement
5. Copy of House registration (for government official card/state enterprise employee card)

Self-employed
1. Copy of ID. Card
2. Copy of business registration certificate for the last 3 months
3. Copy of bank statements for the last 6 months
4. Copy of bank shareholder list and percentage of shareholding (not more than 3 months)
5. Copy of book bank for disbursement


1. Interest, Fines, Service Fees, Commissions and Expenditures on Actual Pay Basis
1.1. Interest Rate (per annum)*
 
Gross monthly income (THB)
Interest rate*
Salaried
15,000 - 25,000
MRR+19.85%**
25,001 - 50,000
MRR+16.60%**
50,001 - 100,000
MRR+14.60%**
>100,000
MRR+11.84%**
Self-employed
20,000 - 50,000
MRR+19.85%**
50,001 - 100,000
MRR+16.60%**
>100,000
MRR+14.60%**

* This interest is for the customer who is not overdue only. If the customer is overdue, the interest will be charged at the maximum of bank of Thailand announcement (now, not exceeding 28% p.a.)
**MRR as of 2nd of November, 2015, is 8.15%

1.2. Processing Fee

N/A

1.3. Early Pay off Fee (If any)

Change amount at different between maximum rate and current account interest rate multiply by outstanding balance and counting from day of disbursement to day of closed account divided by 365
2. Expenditure to government sectors
2.1 Duty Stamp
0.05% of credit line granted
3. Expenditure on Third party or others
3.1 Payment for credit bureau data check
N/A
3.2 Payment at other bank counters
Payment at other bank counters
In Bangkok and greater Bangkok are

In upcountry
provinces

Counter / Internet banking of United Overseas Bank (Thai)
Free
Free
Mailing Cheque
Free
Free
UOB Direct Debit
Free
Free
UOB CyberBanking* (www.uob.co.th)
Free
Free
Counter Service
15 Baht
20 Baht
Bank of Ayudhaya **
• Counter of Bank
• Electronics Channels

15 Baht
10 Baht

15 Baht
10 Baht
At Counter of Siam Commercial Bank **
17 Baht
30 Baht
SCB Partner's Outlet (FamilyMart)
17 Baht,
Maximum 40,000 Baht
30 Baht,
Maximum 40,000 Baht
3.3 Expense of insufficient funds (Other bank Direct Debit)
N/A
3.4 Collection Expense
THB 100 for every statement cycle
*
For UOB Cyber Banking is required to open saving or current account with the bank
**
For Siam Commercial Bank and Bank of Ayuthaya, If you payment amount over THB50,000 (THB50,001 and above) will add service charge 0.10% of total payment over THB50,000 but not over THB1,000
4. Expense as operation costs of business
4.1 Returned check fee
N/A
4.2 Card Replacement Fee
N/A
4.3 Statement Re-issue (second issue onward)
Baht 100/statement cycle
4.4 Pin code replacement Fee
N/A
4.5 Transaction enquired Fee
Baht 200

Note:
1. Interest, Fine, Service fees, commission will not exceed 28% p.a. (Effective Rate)
2. The above mentioned fees are actual expense that the service provider charge to bank and is subject to each service provider.
3. Fees and service charges are VAT excluded (If any)
4. Payment service fees in clause 3.2 may be revised upon service providers' announcements.
5. Any debt collection expense charged by service provider will be collected from customers from 1 Jan 09 onwards.

For more information, please contact UOB Call Center : 0-2285-1555