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 |
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 |
|
Employed
1. Copy of ID. Card
2. Salary slip/Income prove document
3. Copy of bank statements for the last 6 months
4. Copy of book bank for disbursement
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)*
|
Interest rate* |
|
Gross monthly income (THB)
|
Salaried |
Self-employed |
Tenor
(month) |
Tenor
(month) |
12,
24, 36 |
48,
60 |
12,
24, 36 |
48,
60 |
15,000
- 25,000 |
28% |
MRR
+ 19.375% |
28% |
MRR
+ 19.375% |
|
25,001 - 50,000
|
24.625% |
MRR
+ 16% |
26.625% |
MRR
+ 18% |
|
50,001 - 100,000
|
22.625% |
MRR
+ 14% |
24.625% |
MRR
+ 16% |
|
>100,000
|
19.625% |
MRR
+ 11% |
21.625% |
MRR
+ 13% |
* 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 (Minimum Retail Rate) is interest for good
retail customer which subject to change as per Bank announcement. |
|
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 |
ATM/UOB Direct
Debit
|
Free
|
Free |
UOB Phone
Banking (Tel 0-2285-1555)
|
Free
|
Free |
UOB CyberBanking*
(www.uob.co.th)
|
Free
|
Free |
Pay at Post
|
10 Baht/the payment amount 50,000 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 |
* |
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
|
