您现在的位置: 首页 >关于我行 >特别关注
Measure for assisting the customers affected by COVID-19
 

ICBC (Thai) Group has implemented the following measure for assisting the customers affected by COVID-19

 
 Financial Assistance Measures Phase 1:
 For Individual and Corporate Customers
 • Grace period for Corporate, SME, and Retails customers for a period of maximum 12 months.
 • Increase credit line to assist business of the customers affected by COVID-19.
 • The company reserves the rights to consider on a case by case basis.
 
 For Commercial Customer with the total group credit line not more than Baht 100 million
 • Grace period of principal and interest for a period of 6 months, starting from April 2020 – September 2020.
 • Must register in Thailand.

 Remarks:

 1. The interest amount shall still be calculated and accrued during the grace period in complied with the existing credit agreement.
 2. After grace period, the principal and interest payment under the existing credit agreement shall be carried on. The customer may have the higher principal and/or interest amount later on.
 
 For Commercial Customer with the total group credit line not more than Baht 500 million
 • Providing new Soft Loan facility for working capital at the credit line amount up to 20% of the loan outstanding at the end of December 31, 2019 with the interest rate at 2% per annum. The customer does not need to pay the interest for the first 6 months.
 • Must register in Thailand
 • Not register in SET and MAI
 • Not NPL account at the end of December 31, 2019
 Remarks: The soft loan approval is subject to the consideration of the Bank according to the criteria.
 
 For Credit Cardholders
• The minimum payment adjustment to 0%untill 31 December 2021 (Suspend debt payment).
• The interest rate adjustment to Minimum Retail Rate (MRR) of the Bank.
• Subject to the consideration on case by case basis.
 
 For Hire Purchase Customers:
 For hire purchase loans size within THB 250,000
 • Provide grace period covering hire purchase principle and interest rate for 6 months.
 For hire purchase loans size more than THB 250,000
 • Provide grace period 3 – 6 months or
 • Reduce the installment payment and extend the payment term.
 
 The company reserves the rights to consider customers who are working in the following industry: travelling, transportation, airlines, hotel and resort and restaurant according to the company's policy on case by case.
 
 Financial Assistance Measures Phase 2:
 For Individual and Corporate Customers, Commercial Customer with the total group credit line not more than Baht 100 million, and, Commercial Customer with the total group credit line not more than Baht 500 million
 • The financial assistance measures phase 1 shall be applied.
 
 For Credit Cardholders
 • The financial assistance measures phase 1 shall be applied and extending the assistance period until 30 June 2021.
 
 For all Hire Purchase Customers
 • Reducing the installment amount and extending the loan period.
 
 For Housing Loan
 The customer can make the request for one of the following measures;
 • Grace period of the installment (principal plus interest) for 3 month period; or
 • Grace period of the principal repayment for 3 month period and consider to adjust the interest rate; or
 • Reducing the installment amount and extending the loan period.
 The consideration shall be subject upon the request and on case by case basis.
 
 Financial Assistance Measures Phase 3:
For Credit Cardholders
• The financial assistance measures phase 1 shall be applied and extending the assistance period until 31 December 2021.
 
For all Hire Purchase Customers
    For impacted customers due to COVID-19
• Lower the monthly repayment amount and extend the loan term*
    For highly impacted customers due to COVID-19
• Lower the monthly repayment amount and extend the loan term*
• Repayment grace period and extend the loan term*
• Consider to return the car*
*Subject to the consideration on case by case basis
 
For Housing Loan
• Grace period for principle and/or interest at maximum 10 months but no later than December 31, 2021, for impacted customers.
• Subject to the consideration on case by case basis.
 
Commercial Loan (Corporate and SME)
• Repayment grace period at maximum 12 months for impacted customers but not later than December 31, 2021.
• Decreasing the interest rate
• Increase credit line to support the working capital fund
• Subject to the consideration on case by case basis
 
Debt Moratorium Scheme (2 months Payment Relaxation)
Customer Qualification
• The customers shall be SME customer in accordance the Bank’s policy
• The customer’s business must be operated in the maximum control provinces or be suspended or stopped or closed by the government or government agency announcement.
• Not being NPL account at the requested date.
Scheme Criteria
• The customer must submit the request to the Bank between July 19, 2021 to August 15, 2021 together with the supporting evidence to confirm the impact from the government or government agency announcement.
• The relaxation period shall be 2 months.
• In the relaxation period, the interest payment shall be continuously calculated by the interest rate specified in the Credit Agreement and being suspended during relaxation period.
• After the relaxation period, the payment of the principal and interest shall be in accordance to the existing Credit Agreement as before the relaxation period or in accordance to the new agreement between the customer and the Bank.
• The customer may have the higher amount of principal and interest to pay after the relaxation period.
• This relaxation shall not be considered as defaults payment or breach on the agreement conditions and not being the debt restructuring.
 
Loan for Business Recovery
This loan is in purpose to support the customer on their liquidity to recover their business from the COVID-19 pandemic and remain the employment.
Customer Qualification
• Corporate and SME customers (Both Juristic and individual) registered in Thailand and operates their business in Thailand
• Being the existing customer of the Bank at the end of February 28, 2021 with the total single customer credit line not more than THB 500 million (excluded the Contingent Liability line) or Not being any Commercial Bank’s credit customer at the end of February 28, 2021.
• Not a public company in SET
• Not operates the financial service business
• Not being NPL at the end of December 31, 2019
 Credit Line Amount
• Not more than 30% of the total single credit line at the end of Dec 31, 2019 or Feb 28, 2021, whichever is higher, but not more than THB 150 million (including 2020 BOT’s soft-loan)
or
• Not more than THB 20 million for the customer with no credit line with any Commercial Bank at the end of Feb 28, 2021
 Interest Rate
• Interest rate at 2% p.a. for the first 2 years and waive for the first 6 months interest payment
• The average interest rate for 5 years will not be more than 5% p.a.
• For year 6th onwards (if any), the interest rate shall be under the Bank’s consideration.
 Loan Tenor
• Tenor 5 years (in case of more than 5 years, subject to the Bank’s consideration on case by case basis but not more than 10 years)
 Remarks
• Loan for business recovery must be guaranteed by the Thai Credit Guarantee Corporation (TCG) with the fee at 1.75% p.a.
• The loan approval and utilization shall be subject to the Bank’s and the Bank of Thailand’s terms and conditions
• The credit line approval shall be subject to the Bank’s term and conditions.
 
Asset Warehousing
This scheme is purposed to support the collateral transferring to repay the debt in order to lower the debt burden of the customer who has got the impact from COVID-19 pandemic and willing and intend to carry on their business.
 Customer Qualification
• Corporate and SME customers (Both Juristic and individual) registered in Thailand and operates their business in Thailand
• Not operates the financial service business
• Not being NPL at the end of December 31, 2019
 Scheme Details
• Transferred price is subject to the Bank’s consideration.
• The borrower or the asset owner has the first right to buy back the transferred asset in the period not less than 3 years but not over 5 years from the transferred date.
• The borrower or the asset owner has a right to rent the transferred asset to carry on their business with the agreed rental fee by sending the request to the Bank within 15 days from the transferred date.
• The buy-back value shall not be more than the transferred price plus the carrying cost at 1% p.a. of the transferred price and plus any expenses which the Bank pay for looking after the asset, deducted by (if any) the rental fee which the Bank receive form the Borrower or the asset owner.
 Remarks
• The tax and fee in relation to the asset transference shall be exempted.
• The approval shall be subject to the Bank’s term and conditions.
 
For more information, please kindly contact:
 ICBC (Thai) Bank
 • Contact our branches or ICBC (Thai) Call Center (0 2629 5588).
 • Website: www.icbcthai.com
 ICBC (Thai) Leasing
 • Telephone: 0 2876 7200 # 1 and 0 2626 8100
 • Website: www.icbcthaileasing.com


(2021-07-20)
【关闭窗口】