Interest Rate |
Monthly
Income
|
Interest
Rate
|
THB 15,000 – 24,999
|
28% p.a. |
THB 25,000 – 49,999
|
27% p.a. |
THB 50,000 and above
|
25% p.a. |
|
- Cash in an emergency.
- Withdraw cash with no cash withdraw fee on 24 hours
through anywhere under ATM Pool and PLUS logo.
- Collateral or Guarantor not required.
- Maximum credit line up to THB 1,000,000.
- Flexible repayment with minimum THB 500 or 5% of
your outstanding balance.
- Interest rate calculated by effective rate and
actual utilize date.
|
|
Applicant
|
Salaried
|
| Thai Nationality |
Age 20-60 years |
| Monthly income |
THB 15,000 above |
| Work experience |
1 year work experience in same
company or profession |
|
Employed
- Copy of ID. Card
- Copy of household registration
- Salary slip/Income prove document
- Last 6 months bank statements
|
Interest
rates, Fees and Other Charges |
1.1. Interest Rate (per annum)*
|
Gross monthly
income |
Interest Rate |
| THB15,000-24,999
|
28% |
THB25,000-49,999
|
27% |
THB50,000
|
25% |
* Interest including all charge
and fees will not exceed 28% p.a. |
|
N/A |
|
N/A |
1.4. Early Pay off Fee (If any)
|
N/A
|
2. Expenditure
to government sectors |
| 2.1 Duty Stamp |
N/A |
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 |
ATM/UOB Direct
Debit
|
Free
|
Free |
UOB Phone Banking
(Tel 0 2 285 1555)
|
Free
|
Free |
UOB Cyber Banking*
(www.uob.co.th)
|
Free
|
Free |
Pay at Post
|
10 Baht |
10 Baht |
Counter Service
|
15 Baht |
20 Baht |
At Counter
of Bank of Ayudhaya *
|
15 Baht |
15 Baht |
| At Counter
of Siam Commercial Bank * |
17 Baht
|
30 Baht |
|
| 3.3 Expense of insufficient funds (Other bank Direct
Debit) |
N/A |
| 3.4 Collection Expense |
Baht 250 per cycle |
4. Expense as
operation costs of business |
| 4.1 Returned check fee |
N/A |
| 4.2 Card Replacement Fee |
Baht 200/Card |
| 4.3 Statement Re-issue (second issue onward) |
Baht100/statement cycle |
4.4 Pin code replacement Fee |
Baht 100/Transaction |
| 4.5 Transaction enquired Fee |
Bath 200/Transaction
|
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 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
Interest Calculation
Method
Interest = Loan Size x number
of days x Interest rate
365 days
Example
Table of Interest expense based on 30 days |
Outstanding
balance per Interest rate |
25
%
|
27% |
28% |
| 1,500 |
30.82
|
33.29 |
34.52 |
| 5,000 |
102.74
|
110.96 |
115.07 |
| 10,000 |
205.48
|
221.92 |
230.14 |
| 20,000 |
410.95
|
443.84 |
460.27 |
| 30,000 |
616.44 |
665.75 |
690.41 |
30
days based on calculation
For more information please contact UOB Branch or
Call. 0-2285-1555
|
