Corporate Loan for Large Business Clients

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Characteristics of the loan

This is a loan service provided to large business customers who operate legally according to the laws of the Lao PDR, by supporting loans both as working capital to improve short-term business liquidity and as term loans for investments in long-term fixed assets..

Loan Interest Rates

• LAK: Starting from 12.00% per annum
• USD: Starting from 10.50% per annum
• THB: Starting from 9.75% per annum

Interest rates may subject to periodic changes in accordance with the Bank’s official notifications

Supporting Documents

1. Loan application form (bank’s standard form)
2. Personal documents of the borrower / co-borrower / guarantor
   - Household registration book (copy)
   - ID card (copy)
   - Land passbook, Passport (copy)
   
3. Business operation documents
   - Business registration certificate (copy)
   - Business operating license (copy)
   - Tax registration certificate (copy)
   
4. Internal management documents
   - Company establishment charter
   - Internal regulations of the company
   - Shareholders’ acknowledgment agreement
   - Confirmation of capital contribution or shareholders in case of joint investment
   
5. Financial documents
   - Balance sheet
   - Profit & loss statement
   - Cash flow statement
   - Year-end financial statements
   - Bank deposit movement statements from all banks covering the last 2-3 years up to present
   - Economic analysis report (for new projects or business expansion)
   
6. Collateral documents
   - Deposit passbook
   - Land certificate (copy)
   - Power of attorney for land certificate usage from other individuals as collateral
   - Government bonds
   - Others...
   
7. Other documents as required by the bank depending on each case.

Post-Approval Service Fees

• 1% of the total approved loan amount (one-time charge)
• 0.25% collateral appraisal fee