Personal Installment Loan Rates

Table of Interest Rates, Service Fees and other charges for Personal Installment Loan

Effective date 1 April 2012

Interest rate and Fees
1. Interest rates,fines and other service charges	Maximum 28% per year
1.1 Interest rates	Salaried customers	Self-Employed customers
Loan amount THB 20,000 - 80,000	MLR + 18.75% per year	MLR + 18.75% per year
Loan amount THB 80,001 - 200,000	MLR + 16.75% per year	MLR + 17.75% per year
Loan amount THB 200,001 and above	MLR + 14.75% per year	MLR + 16.75% per year
1.2 Fines
Overdue Interest	Adjust to 27 % per year for over due principal
1.3 Fees
Arrangement Fee	0.5 % of loan amount
Prepayment Fee for settlement of full loan amount within the first 12 months if approved before 16Aug10 ******	28 % per year
Prepayment Fee for settlement of full loan amount within the first 18 months if approved after 16Aug10 ******	28 % per year
Loan Disbursement Fee********	THB 50
2. Expenses paid to Government Entities
2.1 Stamp Duty	0.05 % of loan amount
2.2 Actual Tax Expenses	As specified by law
3. Expenses paid to External Entities of Others
3.1 Payment Fee	Bangkok and Greater Bangkok area	Upcountry area
Automated Deposit *****	Free	-
HSBC Bank Counter*****	Free	-
Counter Service (Maximum THB 30,000)	THB 15	THB 20
TOT Customer Service Center (Maximum THB 30,000)	THB 15
mPAY STATION (Maximum THB 100,000)	THB 15
Jay Mart PayPoint (No maximum limit)	THB 15
TESCO Lotus Express (Cash only, Maximum THB 49,000 per transaction)*******	THB 10
True Partner (Maximum THB 30,000)	THB 15	THB 20
Bank of Ayudhya** (No maximum limit) Counter/Electronic	THB 20	THB 35
KASIKORNBANK (No maximum limit) Counter/Electronic	THB 20/15	THB 30/20
Siam Commercial Bank** (No maximum limit) Counter/Electronic	THB 20/15	THB 35/15
Government Housing Bank (No maximum limit)	THB 10	THB 20
LH Bank (No maximum limit)	THB 15	THB 25
3.2 Direct Debit Payment Fee	Bangkok and Greater Bangkok area	Upcountry area
Siam Commercial Bank** (No maximum limit)	THB 15	THB 30
Bank of Ayudhya** (No maximum limit)	THB 15	THB 30
Krungthai Bank** (No maximum limit)	THB 25	THB 40
Siam City Bank** (No maximum limit)	THB 10	THB 20
Thanachart Bank** (No maximum limit)	THB 10	THB 20
3.3 National Credit Bureau (NCB) check Fee	Actual cost
4. Expenses paid for Bank's Operating Costs
4.1 Statement Request Fee (2nd copy of statement onwards)	THB 100/time
4.2 Collection Fee	THB 100/time
4.3 Collection Fee **********
- a loan customer fails to pay the due balance for 1 cycle	THB 250 per time
- a loan customer fails to pay the due balance for 2 cycle	THB 250 per time
- a loan customer fails to pay the due balance for >= 3 cycle	THB 350 per time

Remark

*		MLR is a floating adjustable interest rate, and currently is 8.25% (as of April 16, 2009) which subject to change as per Bank announcement.
**		For upcountry payment of over 100,000 baht, 0.1% of exceeding amount will be charged with maximum of 1,000 baht
***		LH Bank will accept the cheque of same clearing zone only.
****		Effective from June 2009
*****		Effective from 23 July 2010
******		Effective from 16 Aug 2010
*******		Effective from 15 Nov 2010
********		Effective from 15 Dec 2010
*********		Effective from 1 Oct 2011
**********		Effective from 1 Apr 2012

		HSBC has announced this information on 6 February 2012

Table of Interest Rates, Service Fees and other charges for Personal Installment Loan

Effective date 1 October 2011

Interest rate and Fees
1. Interest rates,fines and other service charges	Maximum 28% per year
1.1 Interest rates	Salaried customers	Self-Employed customers
Loan amount THB 20,000 - 80,000	MLR + 18.75% per year	MLR + 18.75% per year
Loan amount THB 80,001 - 200,000	MLR + 16.75% per year	MLR + 17.75% per year
Loan amount THB 200,001 and above	MLR + 14.75% per year	MLR + 16.75% per year
1.2 Fines
Overdue Interest	Adjust to 27 % per year for over due principal
1.3 Fees
Arrangement Fee	0.5 % of loan amount
Prepayment Fee for settlement of full loan amount within the first 12 months if approved before 16Aug10 ******	28 % per year
Prepayment Fee for settlement of full loan amount within the first 18 months if approved after 16Aug10 ******	28 % per year
Loan Disbursement Fee********	THB 50
2. Expenses paid to Government Entities
2.1 Stamp Duty	0.05 % of loan amount
2.2 Actual Tax Expenses	As specified by law
3. Expenses paid to External Entities of Others
3.1 Payment Fee	Bangkok and Greater Bangkok area	Upcountry area
Automated Deposit *****	Free	-
HSBC Bank Counter*****	Free	-
Counter Service (Maximum THB 30,000)	THB 15	THB 20
TOT Customer Service Center (Maximum THB 30,000)	THB 15
mPAY STATION (Maximum THB 100,000)	THB 15
Jay Mart PayPoint (No maximum limit)	THB 15
TESCO Lotus Express (Cash only, Maximum THB 49,000 per transaction)*******	THB 10
True Partner (Maximum THB 30,000)	THB 15	THB 20
Bank of Ayudhya** (No maximum limit) Counter/Electronic	THB 20	THB 35
KASIKORNBANK (No maximum limit) Counter/Electronic	THB 20/15	THB 30/20
Siam Commercial Bank** (No maximum limit) Counter/Electronic	THB 20/15	THB 35/15
Government Housing Bank (No maximum limit)	THB 10	THB 20
LH Bank (No maximum limit)	THB 15	THB 25
3.2 Direct Debit Payment Fee	Bangkok and Greater Bangkok area	Upcountry area
Siam Commercial Bank** (No maximum limit)	THB 15	THB 30
Bank of Ayudhya** (No maximum limit)	THB 15	THB 30
Krungthai Bank** (No maximum limit)	THB 25	THB 40
Siam City Bank** (No maximum limit)	THB 10	THB 20
Thanachart Bank** (No maximum limit)	THB 10	THB 20
3.3 National Credit Bureau (NCB) check Fee	Actual cost
4. Expenses paid for Bank's Operating Costs
4.1 Statement Request Fee (2nd copy of statement onwards)	THB 100/time
4.2 Collection Fee	THB 100/time
4.3 Transaction Investigation Fee	THB 250 each time a loan customer fails to pay the due balance****

Remark

*		MLR is a floating adjustable interest rate, and currently is 8.25% (as of April 16, 2009) which subject to change as per Bank announcement.
**		For upcountry payment of over 100,000 baht, 0.1% of exceeding amount will be charged with maximum of 1,000 baht
***		LH Bank will accept the cheque of same clearing zone only.
****		Effective from June 2009
*****		Effective from 23 July 2010
******		Effective from 16 Aug 2010
*******		Effective from 15 Nov 2010
********		Effective from 15 Dec 2010
*********		Effective from 1 Oct 2011

		HSBC has announced this information on 29 September 2011