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Lending fees


No Descriptions Services fees
1Approval fee

For Lao Kip, 1% of the approval limit.

For foreign currencies, less than 1% of the approval limit.

2Collateral/Land Apprasial fees
2.1 Retail customers (below LAK 50 million)LAK 300.000/case
2.2 SMEs and Corporate customersFor one land title deed, charge of 0,25% of the approval limit, min of LAK 1.000.000, max of LAK 5 million
More than one land title deed, charge LAK 500.000/title
3Fees on Loan Restructuring and Contract Amendment1% of the approval limit, min of LAK 2 million, USD 250, THB 8.000; max of LAK 50 million, USD 6.000 and THB 200.000
4Loan approval fee secured by deposits (Applied to PSVB fixed deposit only)1% of the approval limit, min of USD 30, THB 1.000;
5Fee on early closing loan : 3%

Revolving credit limit: in case the customer utilizes the credit for 3/4 within the contract period, the pre-mature closing fee is waived.

Fixed term loan limit: in case the customer utilizes the credit over half of the contract period and prepaid more than 50% of the approval limit, he pre-mature closing fee is waived.

6Fee on Review of Revolving Loan

The approval limit below USD 1 million or equivalent to 0,5% of the approval limit.

The approval limit above USD 1 million or equivalent to 0,25% of the approval limit.

7Risk fee calculated from the 14th day of overdue date for late payment (charged after every semi-annual review)

The approval limit above LAK 8 billion or equivalent, USD 100, THB 3.500, or LAK 850.000 per every over-14-days late payment.

The approval limit above LAK 50 million or equivalent, USD 50, THB 1.750, or LAK 425.000 per every over-14-days late payment.

The approval limit below LAK 50 million or equivalent, USD 25, THB 900, or LAK 220.000 per every over-14-days late payment.

8Credit risk fee (charged after closing of loan account on whichever maximum of the late payment day)

Over due payment from 14-30 days, charge 0,5% of the approval limit.

Over due payment from 31-60 days, charge 1% of the approval limit.

Over due payment from 61-90 days, charge 1,5% of the approval limit.

Over due payment from 90 days, charge 2% of the approval limit.

9Penalty Rate150% p.a. of the standard interest rate
10Issuing a Letter of Facility SupportLAK 250.000, USD 30, THB 1.000/time
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