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ACLEDA Bank Lao Ltd.

 »  Products & Services  »  Credits  »  Motorbike Loan

Motorbike Loan

Motorbike Loan is provided to you who have a regular income to get a motorbike for your family or business.

Advantages

  • Owning your dreamed motorbike
  • Converting from a whole pay to amortization for the motorbike price
  • Promoting welfare of your family and the society

Features of Motorbike Loan

  • Motorbike Loan is provided in Lao Kip, Thai Baht or US Dollar.
  • This loan is designed for you to buy any types of brand-new motorbike or used motorbike from legal suppliers.
  • ACLEDA Bank Lao offers Motorbike Loan up to LAK20,000,000; THB80,000 or USD2,500.
  • Maximum of loan period is up to 3 years for:
    • Customers who are employees and will not exceed the retirement age.
    • Other customers will not be over 60 years of age.

Interest Rate

  • Loan period up to 12 months for loan size:
    • Up to LAK20 million, interest rate is 12.00% per annum.
    • Up to USD2,500, interest rate is 7.00% per annum.
    • Up to THB80,000, interest rate is 8.00% per annum.
  • Loan period up to 24 months for loan size:
    • Up to LAK20 million, interest rate is 13.00% per annum.
    • Up to USD2,500, interest rate is 7.50% per annum.
    • Up to THB80,000, interest rate is 9.00% per annum.
  • Loan period up to 36 months for loan size:
    • Up to LAK20 million, interest rate is 13.00% per annum.
    • Up to USD2,500, interest rate is 7.50% per annum.
    • Up to THB80,000, interest rate is 9.00% per annum.

Fee Charge

  • LAK:
    Up to LAK20 million, fee is 1% of loan size, and collateral evaluation fee is 3% of loan size.
  • USD:
    Up to USD2,500, fee is 2% of loan size, and collateral evaluation fee is 3% of loan size.
  • THB:
    Up to THB80,000, fee is 2% of loan size, and collateral evaluation fee is 3% of loan.

Requirements

  • Customers
    • A copy of family book, identity card, passport, or any valid documents
    • Driving License (if any)
    • Having financial statements for the last month
    • Savings passbook or a copy of bank statement for last three months (if any)
    • A copy of electricity and water supply bills for last three months (if any)
    • Assure all information and other documents are clear and correct when bank need
  • Employees
    • A copy of family book, identity card, passport, or any valid documents
    • Driving License (if any)
    • Having a certification of employment or employment contract, etc
    • A copy of payslip for last three months or certification of status, position, duration of work, and salary history (if any)
    • A copy of electricity and water supply bills as well as other bills for last three months
    • Savings passbook or a copy of bank statement for last three months (if any)
    • Having financial statements for last one month (if having any other business)
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