Mr. Archom Termpittayapaisit Minister of Finance disclosed that government agencies and state enterprises under the Ministry of Finance. And related agencies Has prepared New Year gifts for 2021 for the general public, entrepreneurs and financial institution customers. With details
1. Government Savings Bank’s New Year Gift Project
1) Give 500 baht to customers with good debt repayment history for at least 3 years without debt restructuring history or owed NPLs.
2) Added a special prize of the GSB Digital Lottery “Celebrating New Year 2021”, totaling 20 prizes, 1 million baht per prize, totaling 20 million baht for the draw in January – February 2021.
2. Bank for Agriculture and Agricultural Cooperatives New Year Gift Project
1) Paydee Me Back Project For loan debt classified as normal By transferring the loan interest to the deposit account to (1) farmers and individual customers at the rate of 20% of the interest received.
Actual payment not more than 5,000 baht per person and (2) Individual customers, agricultural groups, cooperatives, juristic persons, village and urban funds At the rate of 10 percent of the actual interest paid
Not more than 50,000 baht per person.
2) Debt Reduction Program For NPLs loan debt or interest accrued more than 15 months by returning interest to (1) Farmers and Individual customers at the rate of 20% of
Actual paid interest and (2) Individual customers, agricultural groups, cooperatives, juristic persons, village and urban funds At the rate of 10 percent of the actual interest paid
The project duration from 1 December 2020 – 31 March 2021.
3. New Year gift project of the Government Housing Bank (GHB)
1) Group 1 is entitled to a New Year gift. An amount of 1,000 baht for those who have a loan of up to 1 million baht, have a good history of payment, 48 months, and pay installments through the application.
GHB ALL in September – December 2020
2) Group 2 was given the right of New Year’s gift. The amount of 500 baht is not more than 100,000 for customers who are not eligible for group 1 who have applied for the GHB ALL application and linked the deposit account in August – September 2020 and pay the installment via GHB ALL application from September – December 2020.
The Bank will transfer money from December 8, 2020 – January 4, 2021.
4. New Year Gift Project of the Small and Medium Enterprise Development Bank of Thailand (SME)
1) Enhance liquidity for Thai SMEs by reducing front-end fees in accordance with the Bank’s criteria for 3 credit projects: (1) Local Economy Loan Program (2) Smart Loan Program SMEs and (3) SME D Happy liquidity loan program for SMEs entrepreneurs who apply for loans from January 1, 2021 – February 28, 2021.
2) Paydee Mee Replen Project for existing customers with term loan and good repayment history until 31 December 2020, the Bank will add funds to add additional liquidity up to The original credit limit, when combined with the existing credit limit, must not exceed the maximum amount of 15 million baht.
5. New Year’s gift program of the Thai Credit Guarantee Corporation
1) help allocate installments For the compensation insurance receivable, requesting approval for reconciliation for the first time The interest rate is 4% by paying more than 20% of monthly interest in the 1st – 2nd year and 50% of the monthly interest.
2) reduces interest rates For potential compensation insurance receivables At an interest rate of 0 percent, with an installment payment of not less than 50 percent of the normal premium (within 5 years)
3) Help reduce installment payments For claims of insurance compensation before and after filing The interest rate is 7.5% by paying more than 20% of the monthly interest payment for the 1st – 2nd year and the 3rd – 5th year more than 50% of the monthly interest.
The duration of the project is from 1 January 2021 – 31 December 2021.
6. New Year’s gift project of the Export-Import Bank of Thailand
1) Credit for entrepreneurs starting export business Able to apply for a loan at an interest rate of 2% per year for 3 months with a maximum credit limit of 1 million baht per person.
And for SMEs entrepreneurs can apply for a loan at the lowest interest rate of 4 percent per annum for the first year, a maximum credit limit of 8 million baht per person.
2) Export guarantee For the first 100 new insurers will receive free buyer data analysis fee. Buyer Bank And 1 buyer of the product and for the insured
Existing customers will receive a discount on the analysis of buyer data. Buyer Bank And 2 buyers remaining 50 percent
The duration of the project is from 1 December 2020 – 28 February 2021.
7.The Islamic Bank of Thailand New Year Gift Project (Bank of Thailand)
For customers applying for personal consumer loan services Will receive free legal contract fees and collateral assessment fees And for general customers, the Bank will provide profit margins.
Special during January 2021, the project period from 15 December 2020 – 31 January 2021
8. Half person projects, Phase 2
The government sector will pay 50% of the cost of food, beverages and general merchandise but not more than 150 baht per person per day, the same as for half the program With each half of the project, Phase 2 is divided into groups
Users of the rights are 2 groups, consisting of
1) Each half of the original licensee, not more than 10 million people, will receive an additional 500 baht of state support for each person on January 1, 2021, which, when combined with the existing rights amount of 3,000 baht, is equal to Total amount of 3,500 baht, can be used until 31 March 2021.
2) Not more than 5 million new registrants will receive a state support limit of 3,500 baht per person for spending from January 1 to March 31, 2021.
9. The Project to Increase Purchasing Power for Persons with the State Welfare Card Phase 2
The government provides funds for the purchase of essential consumer products from low-cost blue flag stores to develop the local economy for those who have state welfare cards in the amount of 500 baht per person per month for a period of 3 months from January to March 2021.
10. Extending the tax measure to support the organization of domestic seminars for companies or juristic partnerships to deduct expenses that have been paid to seminar room, room, transport or other expenses related to domestic seminars at the company. Or a juristic partnership held for employees Or expenditures paid to tourism business operators under the law on tourism businesses and guides For training seminars in the country From January 1 – September 30, 2021 is twice the amount actually paid.
11. New Year Group Insurance Policy Project 10 baht, New Normal Plus of the Office of Insurance Commission and Promotion (OIC), OIC, in collaboration with the insurance business Preparing a New Year insurance policy for 10 baht New Normal Plus Which provides coverage for both accidents and COVID-19 at the same time The coverage period is 30 days, the premium rate is 10 baht / person (entrepreneurs can buy to provide protection to employees And their customers And for the general public, can gather in groups of 10 or more) to cover death. Loss of organs Or total permanent disability up to 100,000 baht and coverage for COVID-19 disease with a “meet-pay-finish” type 3,000 baht. Policy can be purchased directly with the participating insurance company. From 1 December 2020 – 31 January 2021
12. Measures to help ease the financial burden To be a New Year gift from the Student Loan Fund
Education Loan Fund has measures to help alleviate the financial burden. To be a New Year gift to borrowers, student loan funds. Effective from 1 January – 30 June 2021 as follows: (1) 100% penalty reduction measure for all groups of borrowers who pay off their accounts (2) 80% penalty reduction measures for previous group borrowers. File a lawsuit that comes to pay all outstanding debts to have a normal status. (Not overdue) (3) measures to reduce the penalty rate from the original 7.5 percent per year to 0.5 percent per annum for borrowers who have not been prosecuted and unable to pay the debt as scheduled; and (4) Increase the principal reduction rate from 3% to 5% in case of paying off the account at one time. In the case of a borrower who has never defaulted on debt repayment to pay back the Student Loan Fund
13. New Year Gift Project of the Securities and Exchange Commission
Establish a Start to Grow microsite (www.sec.or.th/starttogrow) to be a source of information and knowledge needed to raise funds for entrepreneurs, small and medium-sized enterprises (SMEs), new entrepreneurs ( Start-Up) and interested public This includes how to explore the availability and funding style that is right for their business. Procedures and channels to contact all relevant agencies for fundraising Knowledge activities And a free consultation channel through fundraising clinics by activating the microsite from December 16, 2020.
