Government Savings Bank Retail Debt Resolution Loan

MGR Online•Economy•21d ago

Reader Briefing

Government Savings Bank is offering retail debt resolution loans with a maximum limit of 200,000 Baht to help debtors consolidate debt and increase liquidity.

•Government Savings Bank offers the 'Government Savings Bank Loan for Retail Debt Resolution'.
•Applications are open at all Government Savings Bank branches from August 14, 2026 onwards.
•The loan provides a maximum credit limit of 200,000 Baht with a maximum repayment term of 5 years.
•Fixed interest rates start at 0.75% per month.

Overview

•Government Savings Bank allows for debt consolidation to reduce burdens and increase liquidity to help debtors clear debt faster.
•The Government Savings Bank Loan for Retail Debt Resolution is available for application at all Government Savings Bank branches starting August 14, 2026.
•The Government Savings Bank Loan for Retail Debt Resolution offers a maximum credit limit of 200,000 Baht.
•The Government Savings Bank Loan for Retail Debt Resolution has a maximum repayment period of 5 years.
•For cases using collateral, the Government Savings Bank Loan for Retail Debt Resolution offers a fixed rate not exceeding 0.75% per month, equivalent to an effective rate of 16.20% per year.
•For cases using personal guarantees, Thai Credit Guarantee Corporation, Clean Loan, or collateral combined with Thai Credit Guarantee Corporation, the fixed rate is not exceeding 0.95% per month, equivalent to an effective rate of 19.44% per year.
•For cases using Government Savings Bank Special Lottery, the effective rate is between 3.192-4.230% per year, and for Government Savings Bank savings books, it is between 2.250-5.670% per year.
•Government Savings Bank advises borrowing only as necessary and as much as can be repaid.

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Key Entities

Organization

Government Savings Bank(ออมสิน)

A bank offering retail debt resolution loans to help debtors consolidate debt and increase liquidity.

Thai Credit Guarantee Corporation(บรรษัทประกันสินเชื่อขนาดย่อม (บสย.))

An organization that can serve as a guarantor for the Government Savings Bank Loan for Retail Debt Resolution.

Policy

Government Savings Bank Loan for Retail Debt Resolution(สินเชื่อออมสินเพื่อแก้ไขหนี้รายย่อย)

A loan program with a maximum limit of 200,000 Baht and fixed interest rates starting at 0.75% per month.