The large-scale flooding situation in the south is worsening continuously. Most recently, the Smart Water Operation Center (SWOC) of the Royal Irrigation Department reported that many provinces in Surat Thani, Trang, Phatthalung, and Satun still face flooding caused by river overflows and heavy accumulated rainfall. Meanwhile, in Narathiwat, Pattani, and Yala, severe flooding is due to flash floods. In Nakhon Si Thammarat, over 127,000 households have been affected.
The province most widely shared on social media is Songkhla, a crucial economic zone, which is now in a critical state with some areas flooded up to 2.5 meters following the heaviest rainfall in 300 years.
This major flood disaster is widespread and unlikely to end soon, so damages are expected to be substantial. Thairath Money consulted Dr. Phot Aramwattananon, Chairman of the Thai Chamber of Commerce and the Board of the Thai Chamber of Commerce, who said it is still difficult to estimate the total damage, but it could exceed 10 billion baht compared to previous flooding in Hat Yai, as the current damage affects a wider area than just one district.
With the damage being widespread, various agencies including banks have stepped in to address potential financial difficulties by quickly implementing relief measures. Thairath Money has compiled all the support programs here (as of 25 Nov 2025 GMT+7).
1. Bank for Agriculture and Agricultural Cooperatives (BAAC) has launched two financial support programs for victims:
- Emergency Expense Loan Program: This program supports farmers’ liquidity for general expenses such as essential living costs. The interest rate is 0% for the first 6 months; from month 7 onward, the rate is MRR (currently 6.625% per annum). The loan limit is up to 50,000 baht per borrower.
- Rehabilitation and Quality of Life Development Loan Program: Provides investment funds for repairing houses and assets, repairing damaged agricultural tools and equipment, and investing in new agricultural cycles. The loan limit is up to 500,000 baht per borrower at an interest rate of MRR minus 2% per annum.
2. Krungthai Bank has introduced two measures to assist both new and existing customers:
2.1 Measures for existing loan customers are divided into three parts:
- Home loans and SME business loans (Term Loan): Installments are reduced by 75% of the current amount for one year, with 0% fixed interest for 3 months, then 2.5% fixed interest per year for 33 months.
- Personal loans (Term Loan): Installments reduced by 75% for one year, with 4.5% fixed interest per year for 3 years.
- SME business loans: Customers can discuss with the bank for various forms of assistance, such as interest rate reductions, installment reductions, principal payment deferrals, paying only interest, partial deferral of principal and interest, contract term extensions, or rescheduling payments, depending on the bank's assessment.
2.2 Measures for both existing and new customers include loans for home repairs and business rehabilitation: These include
- Home loan top-ups, home equity loans, and SME business loans (Term Loan): 0% fixed interest for 3 months, then 2.5% fixed interest per year for 33 months (total 3 years of special interest rate). For home loans, appraisal and mortgage registration fees are waived.
- Personal loans (Term Loan): Fixed interest rate of 4.5% per year for 3 years.
- SME business loans (Term Loan): Maximum term up to 7 years with starting interest of 4% per year, then MLR minus 1%.
3. Small and Medium Enterprise Development Bank of Thailand (SME D Bank) has announced three relief measures for victims:
- Debt principal and interest moratorium: Moratorium on principal and interest payments for term loans up to 12 months. For revolving credit such as promissory notes (P/N) and factoring loans, the payment period can be extended up to 180 days, with possible interest payment deferrals.
- Emergency capital injection for business repair and rehabilitation: For businesses in disaster areas, emergency loans amounting to 10% of the original loan, with a minimum of 30,000 baht and a maximum of 200,000 baht (100,000 baht max for individuals, 200,000 baht max for juristic persons) at MLR interest rate per year, with a 3-year term, 12 months principal holiday, no collateral required except fees, and simplified documentation for urgent assistance.
Loans to supplement capital, improve liquidity, invest, and upgrade businesses after flood recovery: Special fixed interest rate of 3% per year for the first 3 years, repayment up to 10 years, principal holiday up to 12 months, loan limit up to 15 million baht (additional conditions may apply by customer group).
4. Government Housing Bank (GHB) has introduced seven relief and rehabilitation measures classified by customer status as follows:
4.1 For existing customers
- Reduce monthly installments by 50% from current amounts.
- Moratorium on payments for 3 months with 0% interest during the first 3 months, then 2.00% interest per year from months 4 to 12.
- Home repair and renovation loans with a maximum loan of 300,000 baht per person, repayment up to 5 years. The first 100,000 baht has a fixed interest rate of 1% per year for 3 years, and the next 200,000 baht has a 1.99% interest rate per year without requiring additional mortgage registration at the land office.
4.2 For current and new customers taking new or additional loans for repair or reconstruction: Loans up to 2 million baht per person per collateral. Highlights include 0% interest for the first 3 months, principal holiday, then 2.00% interest per year for months 4 to 24, 3rd year at MRR minus 3.30% (2.945%), 4th year at MRR minus 2.40% (3.845%), and from year 5 onward, for retail customers MRR minus 0.50%, welfare customers MRR minus 1.00%.
4.3 For customers with non-performing loans (NPL) overdue more than 90 days whose collateral has been damaged: 0% interest and no installment payments for months 1 to 6, then 1.00% interest per year for months 7 to 18 with minimum monthly payments covering interest. After the restructuring period, customers return to their original interest rates.
4.4 For NPL customers affected by income loss: 0% interest and installment payments of only 1,000 baht per month (all principal waived) for months 1 to 6; 1.00% interest per year for months 7 to 12 with payments covering interest plus 100 baht. After the program, customers return to original interest rates.
4.5 For customers with normal or NPL accounts who are deceased or permanently disabled: Repayments are at 0.01% interest per year for the remaining term (case-by-case assessment).
4.6 For customers with normal or NPL accounts whose residences are completely damaged and cannot be repaired: Debt on the building price is waived; only the remaining land portion is payable (case-by-case assessment).
4.7 Fast track insurance claims for customers with fire insurance policies covering natural disasters arranged by the bank: Rapid payout for all affected clients, with claims filed via photos, up to 20,000 baht based on actual damage. For policies effective from 1 Nov 2019, additional natural disaster coverage up to 30,000 baht per year applies (details per policy terms).
5. Export-Import Bank of Thailand (EXIM BANK) has announced two relief measures:
5.1 For short-term loans:
- Extend promissory note maturity up to 180 days.
- Increase temporary revolving credit up to 20% of the original limit, capped at 2 million baht with the existing interest rate.
- Convert short-term debt to long-term debt with up to 3 years repayment.
5.2 For long-term loans:
- Extend loan maturity up to 7 years.
- Reduce the first-year interest rate by 0.50% or pay only 50% interest in the first 6 months.
- Principal payment moratorium up to 1 year.
6. Siam Commercial Bank (SCB) has introduced four loan relief and rehabilitation measures for victims:
6.1 Housing loans:
- Home loans and My Home My Cash loans: principal moratorium up to 3 months, paying interest only.
- Additional home repair loans at 0% interest for 3 months, with free collateral appraisal fees for detached houses, twin houses, townhouses, townhomes, condominiums, and commercial buildings.
6.2 Auto loans:
Moratorium on payments up to 3 months and extension of repayment term up to 3 months (borrower age limit 65 years).
6.3 Business loans for entrepreneurs (SSME), and specialized business loans:
Existing business loan customers can defer principal payments up to 3 months, paying interest only.
7. Bangkok Bank announced two relief measures for customers affected by southern floods:
7.1 For business loan customers:
- Flexible debt repayment conditions tailored to customer situations, including installment reductions, extended repayment terms, and principal payment moratoriums up to 12 months.
- Additional large business loans to enhance short-term liquidity for repair and business recovery.
- SME business loans up to 5 years, with a fixed interest rate starting at 3.5% per year for 2 years, then no less than MLR minus 1% per year.
7.2 For retail loan customers:
The bank offers various debt repayment relief options based on the severity of impact; customers can contact the bank directly for assistance.
8. Government Savings Bank (GSB) has announced relief measures for customers affected by southern floods:
- Automatic moratorium on principal and interest payments for 3 months for debtors with residence, domicile, or business in disaster areas as declared by the Department of Disaster Prevention and Mitigation (DDPM). Interest during the moratorium is waived. The deferred principal over 3 installments will be added to the final payment. If unable to close the account, debt restructuring and extended repayment terms are available without credit history penalties.
Eligible debtors will receive SMS notifications from the bank about their participation rights. Before the moratorium ends, the bank will send an SMS one month in advance reminding customers to resume payments as per original agreements.
Additionally, the bank relaxes promissory note (P/N) conditions for non-NPL business customers in disaster areas with notes maturing between 19 Nov and 30 Dec 2025. Payments can be extended by 90 days (interest payable as usual). The bank will contact customers individually to explain terms and benefits.
9. Bank of Ayudhya (Krungsri) has introduced relief measures for four customer groups:
9.1 Personal loan, home loan, and small SME loan customers: Installment reductions covering monthly interest payments for up to 6 months or principal moratorium (interest-only payments) for up to 3 months. Customers can contact the bank until 30 Dec 2025 (case-by-case).
9.2 SME business loan customers: Installment reductions covering monthly interest payments for up to 6 months or principal moratorium (interest-only payments) for up to 6 months. Contact the bank by 30 Dec 2025.
9.3 Krungsri Auto loan customers: Moratorium on installment payments for 3 months. Contact by 31 Dec 2025.
9.4 Credit card and personal loan customers in the Krungsri Consumer segment: Moratorium on debt payments for up to 2 billing cycles for customers with normal accounts in flood-affected areas, between Nov 2025 and Jan 2026. Interest accrues at normal reducing balance rates. Contact by 31 Jan 2026 (case-by-case).
10. Kiatnakin Phatra Bank has announced relief measures for customers affected by flooding:
10.1 Business and SME loans: Installment reductions or extended repayment terms.
10.2 Home loans, personal loans, and cash cards: Principal moratorium for up to 3 installments or installment reductions for the first 6 months.
10.3 Auto loans: Installment deferral for up to 3 months or installment reduction for the first 6 months.
Interested customers can contact the bank and register for assistance from now until 31 Dec 2025. Terms and conditions depend on the bank's criteria.
11. Kasikornbank has launched assistance measures for flood-affected customers:
11.1 For individual customers:
- Kasikornbank home loans: principal moratorium paying interest only for up to 3 months.
- Additional home repair loans at 0% interest for 3 months with free collateral appraisal fees.
- Kasikornbank credit cards, Xpress Loan, and Xpress Cash cards: principal moratorium paying interest only for up to 3 months.
- Auto hire purchase loans: reduce monthly payments by up to 50% for 3 months and extend repayment terms by 3 months.
11.2 For business customers:
- Existing credit lines: principal moratorium paying interest only for up to 3 months.
- Business repair loans: up to 5 years with 3.5% interest for the first 2 years, principal moratorium paying interest only for up to 3 months.
12. Thai Credit Retail Bank has announced relief measures for customers affected by flooding, including SME, MSME, Retail, Nano & Micro Finance, and general customers:
- Principal and interest moratorium for up to 2 months.
- Principal moratorium, installment reduction, term extension, or interest rate reduction for up to 12 months.
Thai Credit customers affected can request assistance from 25 Nov 2025 to 31 Dec 2025.
Each bank may have different details and conditions. Customers should contact their respective banks to inquire about applicable programs.
13. TISCO Group has announced relief measures for flood-affected customers:
13.1 Individual customers with home loans, title deed loans, car registration loans, and credit line increases:
- Principal moratorium for up to 3 months.
- Installment reductions and/or extended repayment terms.
13.2 Auto hire purchase loans:
- Installment moratorium for up to 3 months.
- Installment reductions and/or extended repayment terms.
13.3 Business and SME customers:
- Installment reductions and/or extended repayment terms (based on repayment ability).
Customers can register for these measures from now until 31 Dec 2025 under terms set by the bank.
14. TMBThanachart Bank has introduced relief measures for customers affected by flooding:
14.1 The “Settle Down” program Registration is open from 18 Nov 2025 to 31 Jan 2026.
- For TMB and TTB home loan customers whose homes were damaged and covered by home insurance, and who face expenses, the program is available.
- For all home loan customers with severe damage and expenses, registration is open with proof of damage.
Support includes a 3-month loan moratorium or additional loan funds for home repairs via cash cards and home equity loans at 0% interest for 2 months. Existing home equity loan holders also get 0% interest for 2 months.
14.2 Auto loan customers can register for a 3-month installment moratorium. 14.3 Personal loan and credit card customers can register for a 3-billing-cycle moratorium.
14.4 Business and SME customers affected can check coverage and apply for the “Settle Down” program, which offers: - Long-term loans: principal moratorium up to 6 months.
- Revolving credit: repayment term extensions up to 6 months. - Business hire purchase loans: extended repayment or installment reductions up to 70% of current payments for 6 months.
SME and business customers should contact their relationship managers for assistance details.
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