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Government Savings Bank Retail Debt Resolution Loan

Government Savings Bank Retail Debt Resolution Loan

MGR Online•Economy•15d 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.