Personal > Loans > Happy Cash Personal Loan

Happy Cash Personal Loan

 
Happy Cash Personal Loan
 
        Life is going on smoothly...with more freedom and various lifestyles can come true, for example, personal expenses, trips, auto repairmen, house renovation and so on. Payments can be made in equal installments on a monthly basis without a guarantor or security.
Nature of Service and Highlight
 
  • Maximum credit limit of 5 times the income or up to Baht 1.5 million*

  • Happy interest rate with special options

  • Easy approval Get money fast

  • Effective Interest Rate

  • No guarantor or collateral required.

 
Installment
 
  • Maximum installment of 60 months
 
Channels of payments
 
  • Pay directly at all branches of Land and Houses Bank

  • Pay at Counter Payment of other banks : all branches of SCB, KTB and KBank

  • Pay through ATS of the bank

  • Pay through Mobile Banking Application “LH Bank M Choice” of the bank

  • Pay through Counter Service at all branches of 7-Eleven

 
Loan Fee
 
Type of Fees Fee Charge
 Duty stamp  Charge 0.05% of credit limit
 Collection Fee
  • Charge 50 Baht per Billing Cycle for one overdue payment

  • Charge 100 Baht per Billing Cycle for more than one overdue payment

  • If there are outstanding debts or debts due for accumulated repayments that do not exceed 1,000 baht, no debt collection costs will be charged.

  Prepayment account closing before 1 year  2% of Outstanding balance 
 Effective date 1 January 2024

สินเชื่อบุคคล-Happy-Cash2.jpg


Note : Terms and conditions are subject to the bank’s announcements and rules.

 
Document
 

Sales Sheet สินเชื่อส่วนบุคคล Happy Cash

Announcement on 01 December 2021

Required Documents
 

Personal

  • A copy of identification card
  • A copy of first page of passbook of savings account
  • A copy of name-surname change certificate (if any)



Income

- Fixed Income/Fixed Allowance 

  • 1 Latest salary slip (Original Carbon Slip/Copy Carbon Slip/Printed E-Slip) or Latest salary confirmation
  • A copy of 6 months bank statement which must be the same month as salary slip
- Non Fixed Income/Non Fixed Allowance
  • 6 Latest salary slip (Original Carbon Slip/Copy Carbon Slip/Printed E-Slip)
  • A copy of 6 months bank statement which must be the same month as salary slip
 
Eligibility
 
  • Individual with Thai Nationality and Living in Thailand 
  • Aged 21 to 59 years old (Maximum 60 years old upon maturity of loan tenure)
  • Minimum monthly gross income 30,000 Baht
  • Salary based
  • In employment no less than 6 months and passed probationary period
 
baht
baht
Payment Term
ผลการคำนวณ-en
วงเงินที่ต้องการ-en
Baht
ค่างวดสำหรับอัตราดอกเบี้ยปกติ : เดือน - en
Baht
ระยะเวลาการผ่อนชำระ - en
Months
อัตราดอกเบี้ย - en
per Year
ผลการคำนวณข้างต้นเป็นเพียงการคำนวณเบื้องต้นเท่านั้น อาจมีการเปลี่ยนแปลงได้ ภายใต้หลักเกณฑ์และเงื่อนไขของธนาคาร - en
Related articles