SME D Bank helps the debtor to suspend the principal payment for 6 months. No collateral required
Ms. Nart Naree Rattapat, Managing Director Small and Medium Enterprise Development Bank of Thailand (SME) or SME D Bank Revealed that from the situation of the new coronavirus outbreak in Thailand Affect the business operations of SME operators. Both direct and indirect, such as sales decline, slow down orders. The number of service users decreased, etc. SME D Bank as a state financial institution. Along with taking care of bank customers And SME operators Therefore issued a set of measures “Resting debt at ease Continue adding new money. ”The approach to help depends on the impact of each customer. The goal is to help sustain the business of SME entrepreneurs. Until the situation returns to normal
For measures “Resting debt at ease Continue adding new money, consisting of 1. Measures to suspend payment of principal Customers can request a suspension of the principal debt for 6 months up to December 31, 2021 by considering how to help them according to the impact of each customer
Since the middle of 2020, SME D Bank has sent SME D Bank branch officers to inquire and visit customer businesses nationwide. To explore the effects And introducing continuous assistance measures And a new wave of COVID-19 outbreaks have provided policies for officials to question and explore the impacts. To set up another way to help customers across the country, especially in the 28 provinces that are the most controlled areas In order to help customers promptly
2. New top up measures Aims to enhance liquidity Through a special credit program To be used as working capital, the highlight is “Extra Cash Small Loan” covering all businesses affected by COVID-19. Can borrow both natural person and juristic person. Maximum loan amount is 3 million baht per person. Interest rates starting at 3% per annum in the first 2 years, with a maximum of 5 years of repayment, no more than 12 months of principal repayment, no collateral required. In order to be used to enhance liquidity And / or reserve as expenses for operating the business Go through this crisis
In addition, there are loans such as “Community Economy” loan, corporate interest rate of 2.875% per year for the first 3 years, loan maximum 5 million baht and natural person 4.875% per year for the first 3 years, loan maximum 2 million baht, long repayment. Up to 7 years, “SME D Happy” liquidity loan, initial interest rate 4.25%, personal loan amount up to 5 million baht, corporate loan up to 15 million baht, and “SMART SMEs loan” open opportunities for refinance entrepreneurs from existing financial institutions. Help reduce business costs The interest rate is charged 5% per year in the first year, the maximum loan amount is 15 million baht, etc.
SME D Bank customers and general SMEs Able to notify their wishes to receive measures at SME D Bank branches nationwide, including for convenience And reduce the risk of travel Notify via online 24 hours via channels such as QR code scanning on invoice, “SME D Bank” application, download for both IOS and Android systems, LINE Official Account: SME Development Bank and website www. smebank.co.th For more information, please call Call Center 1357.
In addition, SME D Bank, together with the Office of Small and Medium Enterprises Promotion (OSMEP), lend loans through “SMEs One” at an interest rate of 1% per annum, pay up to 7 years without repayment of principal up to 1 year. Submit a personal loan of up to 5 hundred thousand baht, juristic person or natural person registered with value added tax (VAT) up to 3 million baht, open to request through 5 partner agencies, including 1. The Federation of Thai Industries 2. Council of the Thai Chamber of Commerce 3. Thai SME Confederation 4. Tourism Industry Council of Thailand and 5. National Farmers Council
Meanwhile, SME D Bank helps entrepreneurs grow sustainably. Able to adapt to the New Normal era by opening various services for free, such as opening a sales channel in the online flea market With the Facebook Group, “Store Free SME D Bank” and promote customers to bring products to expand the market through famous online shopping platforms such as Shopee, LAZADA, Thailandpostmart, Alibaba, LINE, JD Central, etc.
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