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สหกรณ์ออมทรัพย์สถาบันบัณฑิตพัฒนบริหารศาตร์ จำกัด

National Institute of Development Administration Savings Cooperative Limited

สหกรณ์ออมทรัพย์

สถาบันบัณฑิตพัฒนบริหารศาตร์ จำกัด

National Institute of Development Administration Savings Cooperative Limited

บริการเงินกู้

บริการเงินกู้

loan

loan service The cooperative provides three types of loans to its members:

Emergency Loan (F.F)

Loan amount

Not more than 100,000 baht or double the monthly income of the borrower whichever is less

loan terms

  • Members with outstanding emergency loan debt If applying for a new loan, the original debt must be paid in full first.
  • Repayment of the remaining loan debt on the business day which is the end of the month. (date of salary) will not pay interest
  • Paying off the remaining loan debt on another day will pay interest on a daily basis

loan request process

Members wishing to borrow money for emergencies Write a loan request on the form of the cooperative and send it to the cooperative staff.

  • A loan application with remaining emergency loan debt and send it to the cooperative staff between the 6th and the end of the month The loan will be received on the first business day of the following month.
  • A loan request with no remaining emergency loan debt. and send it to the cooperative staff Between the 6th and the end of the month will receive a loan immediately
  • Loan request submitted to the cooperative officers outside of the said date will receive the loan within 1 business day from the date of submitting the loan application

Documents

  • Emergency loan application form (by specifying the amount requested for the loan Reason for requesting loan)

debt settlement

  • Remit the principal not more than 8 months, equally each with interest
    .

interest rate

  • At present, the interest rate is 5.00% per annum (change according to the cooperative’s announcement)

ordinary loan

Borrower

  • Be a member of the National Institute of Development Administration Savings Cooperative Limited for at least 6 consecutive months.
    Members who have returned at least 10 installments of ordinary loans, or members who have not yet returned their loans for emergencies, have the right to borrow. But when the loan is approved Must pay off the original debt first

Loan amount

Amount of ordinary loan to borrower Not more than 1,000,000 baht, payable in installments not exceeding 180 installments or not more than the time when the borrower is retired, whichever is less, as follows:

(1) The borrower has been a member for a period of 12 months but not more than 24 months, has the right to borrow 6 times of the monthly income plus two times the value of the shares
; Borrowing 9 times the monthly income plus twice the share value
(3) The borrower is a member for 36 months but not over 48 months is entitled to borrow 12 times the monthly income plus twice the share value
( 4) The borrower has been a member for 48 months but not over 60 months, has the right to borrow 15 times of the monthly income plus twice the share value.
(5) The borrower has been a member for more than 60 months has the right to borrow 20 times. of the monthly income plus double the value of the stock

In addition, cooperatives have rules and conditions for guarantees as follows:

1) A borrower with a loan limit of not more than the value of the existing shares plus 300,000 baht must provide a guarantor according to the cooperative regulations. without the need for group life insurance

2) Borrowers whose loan amount exceeds the value of the existing shares plus 300,000 baht must provide a guarantor according to the cooperative regulations. and must have group life insurance for the difference as specified by the cooperative

Interest rate 5.50% per annum (change according to the announcement of the cooperative)

Loan collateral

  • A loan that uses the borrower’s shares as collateral for the loan. No other collateral is required.
  • A loan that is secured by government securities or deposit documents in a bank pledged or used as a security deposit with a cooperative. No other collateral is required.
  • A loan with an amount that exceeds the value of the borrower’s share in the cooperative. Must have a guarantor

Guarantees

Persons entitled to guarantee ordinary loans

1) Members who are government officials and permanent employees
2) Members who are institutional employees Must have worked in the institution continuously for at least 6 months.
3) Members who are cooperative staff. Must have worked in a cooperative continuously for at least 6 months.
4) Members who are temporary employees from the state budget / income. and temporary employees from funds/funds of the faculty/bureau/special sector/project/education center of the institution or faculty/unit that is equivalent to the faculty or office with regulations or rules for hiring and having an employment contract By having to work in the institution continuously for at least 3 years
, a member can guarantee a loan within the amount of 15 times the salary. but must not exceed 1,000,000 baht

There is no right to guarantee ordinary loans.

1) a member who is the borrower’s spouse
2) a member who fails to pay monthly share payments in three consecutive installments or is in full six installments
; Either principal or interest for up to two consecutive months, or up to three defaults on the repayment of such repayment on a given loan
4) Spouse may not be a guarantor of the same debt
. ) a member who does not meet the conditions under 1) – 4), which the loan committee considers unsuitable for guarantees in the event that the member’s share value exceeds his or her monthly income for a total of 25 months, the loan does not exceed 90 percent of The remaining share value after being used as collateral for any other loans of the cooperative Can pay in installments up to 240 installments

recovery process

  • Request a loan request form at the cooperative
  • Members who are government officials holding positions below level 5 or permanent employees Must have the supervisor consider and give opinions. As for members who are government officials holding a position not lower than level 5, they are not required to allow the Accounting Forces to consider giving opinions.
  • Find a person who is a member to guarantee (In the case of giving a guarantee to a person)
  • Send a loan request to the cooperative In which each month will receive 2 ordinary loan applications. The first
    time, submit a loan request by the 3rd day of the month, the borrower will receive the loan on the 8th or 9th of that month.
    The 2nd time submit a loan request by the 25th day of the month. month. The borrower will receive the loan at the end of the month.
  • In the event that the borrower uses the share capital as collateral for the loan, 90% of the share capital Can apply for a loan every day by receiving the loan within 2 working days, except for the original debtor
  •  Make a loan letter/or loan agreement to the cooperative as specified

loan application documents

  • Ordinary loan request form
  • ordinary loan agreement
  • Guarantor letter
  • Cooperative’s receipt current version before requesting a loan
  • Salary statement of the current fiscal or parent agency before applying for a loan, both the borrower and the guarantor.
  • Members who are institutional employees must attach an institutional employee employment contract
    .

debt settlement

Pay the debt in equal monthly installments (except the last installment) with interest in the amount of not more than 180 installments or not more than the time of the borrower’s retirement. For members who have the term of employment under the employment contract of the institution, repayment can not be more than the remaining period of the employment contract. unless using a share capital as a collateral for payment of not more than 240 installments

special loan

the purpose of the loan

  • for housing purposes, i.e. construction, addition or improvement of buildings or buy a building or buy land and buildings and buy land for building construction
  • for the creation of family status, such as loans for investments in various businesses which will benefit the borrower and his family

right of loan

  • Be a member of the National Institute of Development Administration Savings Cooperative Limited for at least 6 consecutive months for housing loan and family rehabilitation.
  • Members who have returned a special loan for not less than one-third of the loan repayment period Unless approved by the special action committee or members with ordinary loan debt. Once the loan is approved, the original debt must be paid first
    .

Loan amount

  • Not more than 15,000,000 baht for housing loan or a loan to build a family’s status depending on the borrower’s monthly income and loan collateral

interest rate

  • 5.00% per annum (change according to the cooperative’s announcement)

debt settlement

  • -Not more than 360 installments or not more than the age of the borrower 70 years for housing loan and family building loan

Loan collateral

(1) the remaining borrower’s shares after being used as collateral for any other loans of the cooperative and/or government securities or bank deposit documents or documents deposited in the Savings Cooperative, National Institute of Development Administration Co., Ltd., pledged as collateral for such loan, provided that the loan amount must be within eighty percent of the value of such securities;
(2) immovable property free from other mortgage obligations; The mortgage is insured for the full amount of the loan. to be in accordance with the cooperative announcement
The borrower must be responsible for paying the mortgage or pledge itself.

stock valuation

  • Loan collateral for housing assistance and to establish the status of the family
  • Land using the price appraised by the Land Office in the area where the land to be mortgaged is located.
  • Building/House Appraisal and Securities Audit Committee of the Cooperative is the appraiser. The amount that the cooperative can lend is not more than 80 percent of the securities value. (land and or building/house)
  • Collateral for vehicle loan

loan cost

  • The borrower will have to pay for the mortgage or pledge itself.
  • The borrower will be responsible for all fees and expenses. in the registration of all transfers and – hire purchase (special loan for vehicles)
  • The borrower will have to pay the cost of evaluating securities according to the amount approved for the loan as follows:

    Approved loan amount
    less than 500,000 baht / costs 1,000 baht
    500,000 – 1,000,000 baht / cost 1,500 baht
    , more than 1,000,000 baht / cost 2,000 baht
  • Actual transportation and accommodation costs

recovery process

  • Request a loan request form at the cooperative
  • The cooperative staff made a letter requesting the appraisal price of the land.
  • The borrower leads the Securities Appraisal and Inspection Committee. Go to appraise and check securities
  • Submit a completed loan application to the cooperative staff with evidence
    .

land appraisal book

  • Building/House Appraisal Documents which was assessed by the Cooperative Securities Appraisal and Audit Committee
    .

Forms and items of construction or renovation of buildings

  • The Special Loan Subcommittee considers the loan application.
  • Cooperative officers prepare documents for mortgage land and buildings.
  • Cooperative officials made an appointment with the borrower to mortgage the land and buildings. (in order of loan approval)
  • Pay the loan according to the approved loan amount. after deducting the existing special loan debt (if available)

note :

1. In the event that the land is mortgaged with a bank or other financial institutions Must make an appointment with a bank or financial institution officer on the day of the mortgage land To redeem the mortgage and bring the mortgage to the cooperative
2. Cooperative officials will prepare a check for cash to redeem the land. which is mortgaged with a bank or a financial institution

loan application documents

  • special loan request form
  • Copy of all pages of the title deed
  • Cooperative’s receipt current version before requesting a loan
  • Salary statement of the last month’s finance department or agency, 1 month before the loan application.
  • Copy of the identity card of the borrower and spouse

Documents supporting the mortgage act

  • The original title deed on every page or a certificate of ownership of condominiums used as collateral
  • Identification card/government identification card of the owner of the title deed
  • House registration of the owner of the title deed
  • Spouse giving consent to do the juristic act

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