สัญญาเงินกู้

You can enter required information such as Lender's name, borrower's name, amount, etc.
After that, the system will automatically create a loan contract for you.
You just need to download, print and sign your name.

When thinking about borrowing money from any lending source. We must first check the accuracy of the loan contract or loan form. What details are specified in the loan contract? Even if it is an online loan There must be an online loan contract form as well. Incidentally, the loan contract is considered an important document that is indispensable in urgent loan transactions. Because if we borrow money from a company that does not have a loan contract or loan contract We may be taken advantage of or cheated by borrowing money. However, it is best that the loan contract should have two copies. It is the version that is with the lender. And another version is kept for ourselves. And there should be an intermediary witness who is aware of the loan contract between the lender and the borrower.

What details should a loan contract contain?
loan contract Whether it is a loan contract without collateral is good. Or a loan contract with collateral should contain details of various information, including the date of the loan contract, the full name of the lender and borrower, the amount of the loan, the period of repayment, the rate. Annual interest, borrower and lender signatures



1. Personal loans
- Maximum credit limit 1,000,000 baht
- Interest rate equivalent to 0.83%-2.08% per month (9.99%-25% per year) APR Minimum 9.99% - APR maximum 25% per year
- Monthly payments divided into equal installments, minimum installment period 12 months - maximum 60 months.


2. Nano Finance Loans
- Maximum credit limit 100,000 baht
- Interest equivalent to 0.83%-2.75% per month (9.99%-33% per year) APR Minimum 0.83% - APR maximum 33% per year
- Monthly payments divided into equal installments, minimum installment period 12 months - maximum 60 months.



Example:
Example of calculating interest and fees for a cash loan (Nano Finance Loan Type)
The customer enters into a contract of 10,000 baht and receives the money on January 1, 2022 by choosing the number of 12 installment payments.

- Credit limit 10,000 baht, one-time payment format
- The amount you will receive is 10,000 baht, no fees.
- Interest 33% per year
- Installment period 12 months
- Payment is due on the 28th of the month.



so

- 28 Jan. 2022 Payment amount = 987.00 baht (Principal = 742.89 baht, accumulated interest for 28 days = 10,000.00*33% *28/365 = 244.11 baht) Remaining principal outstanding = 9257.11 baht.
- 28 Feb. 2022 payment amount=987.00 baht (principal=727.55 baht, accumulated interest for 31 days=9257.11*33%*31/365=259.45 baht) remaining outstanding principal=8529.56 baht.
- 28 March 2022 Payment amount = 987.00 baht (Principal = 771.07 baht, accumulated interest for 28 days = 8529.56*33% * 28/365 = 215.93 baht) remaining principal amount = 7758.49 baht.
- 28 Apr. 2022 Payment amount = 987.00 baht (Principal = 769.55 baht, accumulated interest for 31 days = 7758.49*33% *31/365 = 217.45 baht) Remaining principal outstanding = 6988.94 baht.
- 28 May 2022 payment amount = 987.00 baht (principal = 797.44 baht, accumulated interest for 30 days = 6988.94*33%*30/365 = 189.56 baht) remaining principal amount = 6191.50 baht.
- 28 June 2022 Payment amount = 987.00 baht (Principal = 813.47 baht, accumulated interest for 31 days = 6191.50*33% *31/365 = 173.53 baht) remaining principal amount = 5378.03 baht.
- 28 July 2022 Payment amount = 987.00 baht (Principal = 841.13 baht, accumulated interest for 30 days = 5378.03*33% *30/365 = 145.87 baht) remaining principal amount = 4536.90 baht.
- 28 Aug. 2022 Payment amount = 987.00 baht (Principal = 859.84 baht, accumulated interest for 31 days = 4536.90*33% * 31/365 = 127.16 baht) Remaining principal outstanding = 3677.06 baht.
- 28 Sep. 2022 payment amount=987.00 baht (principal=883.94 baht, accumulated interest for 31 days=3677.06*33%*31/365=103.06 baht) remaining outstanding principal=2793.12 baht
- 28 Oct. '22 payment amount=987.00 baht (principal=911.24 baht, accumulated interest for 30 days=2793.12*33%*30/365=75.76 baht) remaining principal remaining=1881.88 baht.
- 28 Nov. 2022 payment amount=987.00 baht (principal=934.26 baht, accumulated interest for 31 days=1881.88*33%*31/365=52.74 baht) remaining principal remaining=947.62 baht.
- 28 Dec. 2022 Payment amount=973.32 baht (Principal=947.62 baht, accumulated interest for 30 days=947.62*33%*30/365=25.7 baht) Remaining principal outstanding=0 baht.



Therefore, the total payment amount of 11,830.32 baht is interest of 1,830.32 baht from the principal of 10,000 baht with an interest rate (APR) of 33% per year*


Contact address
No. 10 Sukhumvit Road, Khlong Toei Subdistrict, Khlong Toei District, Bangkok 10110. icon tel contact head office. 0-2111-111