“City submerged underwater” became a common headline after continuous rain on Friday, 25 Sep 2026, caused widespread waterlogging awaiting drainage in many areas such as New Phetchaburi Road, Rama 9, Ladprao, Don Mueang, and others. This affected inner Bangkok, its surroundings, and neighboring provinces like Nonthaburi and Samut Prakan comprehensively.
Additionally, vehicles and homes impacted by flooding have disrupted people's work and income sources. During such times, "debt" continues unabated. Therefore, commercial banks have launched relief measures for customers affected by this massive flood. Thairath Money has compiled these measures here.
Bangkok Bank
Customers affected by flooding can express interest in participating by 30 December 2026 at branches, business offices, and credit card centers. More details are available at www.bangkokbank.com or by calling Bangkok Bank's call center at 1333 or 0 2645 5555.
Bangkok Bank has introduced measures to assist different customer groups as follows:
1. Business Loan Customers
- Flexible debt repayment terms adapted to customers’ situations, such as reduced installments, extended repayment periods, or temporary principal payment deferral for up to 12 months.
- Additional support for large business loans to enhance short-term liquidity, repair facilities, and restore operations.
- Support for SME business loans with up to 5-year terms, fixed interest starting at 3.5% per annum for 2 years*, thereafter no less than MLR-1% per annum*, under the GSB Soft Loan project to revive Thai businesses, valid until 30 September 2026.
2. Retail Loan Customers: Assistance will be considered based on the severity of impact.
Credit Cards, for example,
- Reduced minimum payment rates from the usual rate by 3% for a maximum of 6-12 months.
- Interest reduction on overdue balances up to 75% for no more than 3 billing cycles or up to 90 days.
- Principal and interest payment deferral for 3 months with a 5% annual interest rate.
- Debt restructuring.
Regulated personal loans, such as
- Bualuang Sukjai Loan: Interest rate reduced by 1% or principal payment deferred for 3-6 months maximum.
- Bualuang Unjai Revolving Loan: Interest rate reduced by 1% for up to 3-6 months.
Home loans or housing-secured loans and personal loans, for example,
- Monthly installment reductions of up to 40% (interest paid in full and partial principal payment) for up to 6-12 months.
- Maintain original payment terms with a 0.5% interest rate reduction for up to 3-6 months.
- Principal payment deferral while continuing full interest payment for up to 3-6 months.
- Principal payment deferral while paying at least 70% interest for up to 3 months or at least 50% interest for up to 6 months, with the remaining interest suspended.
For new customers, the bank offers the Bualuang Poonpol loan (housing-secured loan) with a maximum 5-year term, special interest rates, and waived collateral survey and appraisal fees under bank conditions.
SCB was the first commercial bank to launch urgent assistance measures in this round. Customers can apply through branch officers, business relationship officers, or the SCB Business Call Center at 02-722-2222 from 26 September 2026 to 31 December 2026.
Debt suspension measures for current bank customers
Individuals and business loans for SSME entrepreneurs
- Housing loans: Customers with home loans and My Home My Cash loans receive principal payment deferral for up to 3 months (only paying interest).
- Auto loans: The bank offers deferral for up to 3 months, extending the repayment term accordingly (borrowers must be no older than 65 at contract end).
- Business loans for entrepreneurs: Principal payment deferral for up to 3 months (only paying interest).
SME business customers
- Principal payment deferral for up to 6 months.
- Principal and interest payment deferral for no more than 3 months.
- Temporary revolving credit increases up to 20% of existing limits, not exceeding 10 million baht.
Additional home loans for repairs for new customers
Additional home loans for customers with existing home loans (Home Loan Top Up) or My Home My Cash Top Up.
Free collateral appraisal fees for detached houses, twin houses, townhouses, townhomes, condominiums, and commercial buildings (collateral appraisal must be done by 31 December 2026 and loan disbursement within 10 business days thereafter).
SME business customers
Loans for repair, restoration, or replacement of damaged business assets with a maximum limit of 20% of the original loan or 10 million baht, whichever is lower. Repayment term up to 7 years, interest rate 4.0% per annum for the first 2 years, thereafter interest as per original loan.
The bank has relief measures available from now until 31 December 2026.
Retail customers (contact K-Contact Center 02-8888888) include:
1. Kasikorn Home Loans: Principal payment deferral, interest-only payments for up to 3 months.
2. Home loan top-ups for repairs with 0% interest for 3 months and waived collateral appraisal fees.
3. Kasikorn credit cards, Xpress Loan, and Xpress Cash: Principal payment deferral, interest-only payments for up to 3 months.
4. Auto hire-purchase loans: Monthly installment reductions up to 50% for 6 months and repayment term extension of 3 months (contact KLeasing Call Center 02-6969999).
Business customers (contact customer relationship managers or K-BIZ Contact Center 02-8888822).
- Existing loan principal payment deferral, interest-only payments for up to 3 months.
Customers can seek assistance from now until 31 December 2026.
Car and property insurance customers who purchased policies through Kasikorn Bank, insured by Muang Thai Insurance Public Company Limited, and affected by floods can claim insurance via three channels:
1. Line Official Account: @mtifriend
2. Email: EMC_Motor@muangthaiinsurance.com
3. Call center: 1484
Or submit claims online at: https://bit.ly/4hqM2UK
Compensation conditions follow the terms specified in the insurance policy.
Krungthai Bank offers continuous relief measures. Customers must express interest from 24 Sep 2026 to 31 Dec 2026 and register within three months from the incident date (contact 0-2111-1111).
Measures to ease current loan customers' burdens
Home loans and SSME business loans (Term Loan)
- Reduce installments by 75% of current payments for 1 year; reduce interest to 0% per annum for 3 months, then fixed 2.5% per annum for 33 months (total 3 years of special interest).
Personal loans (Term Loan)
- Reduce installments by 75% for 1 year and fixed interest at 4.5% per annum for 3 years.
SME business loans
- Assistance includes interest rate reductions, installment reductions, principal payment deferrals, interest-only payments, partial interest deferrals, contract term extensions, and revised repayment schedules.
Each customer's conditions and criteria will be considered appropriately to reduce financial burdens and reflect the economic and income recovery prospects.
Measures for business recovery and home repair loans
Home loan top-ups, cash-out home loans, and SSME business loans (Term Loan)
- Fixed 0% interest for 3 months, then fixed 2.5% per annum for 33 months (total 3 years special interest). For home loans, appraisal and mortgage registration fees are waived.
Personal loans (Term Loan)
- Fixed interest at 4.5% per annum for 3 years.
SME business loans (Term Loan)
- Up to 7 years term, special interest starting at 3.5% per annum for first 2 years, thereafter MLR-1% per annum.
Krungsri Bank and its affiliates have launched urgent assistance measures for flood-affected customers, including:
Personal loan, home loan, and small SME loan customers
- Installment reductions covering monthly interest payments for up to 6 months or
- Principal payment deferral (interest-only payments) for up to 3 months.
Customers can request assistance at any Krungsri branch nationwide or Krungsri Call Center 1572 from now until 31 December 2026. Approval criteria depend on bank policies.
SME business loan customers
- Installment reductions covering monthly interest payments for up to 6 months or
- Principal payment deferral (interest-only payments) for up to 6 months.
Requests can be made via relationship managers or by calling 02-296-6262 or 02-626-2626 from now until 31 December 2026.
Krungsri Auto customers
- Installment deferral for 3 months.
Requests and inquiries can be made at Krungsri Auto by calling 02-740-7400, press 3, from now until 30 November 2026.
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Krungsri Consumer credit card and personal loan customers have the following details:
Measure 1: Debt suspension for up to 3 billing cycles for customers with normal account status in flood-affected areas. Interest accrues at the normal declining balance rate during the suspension period from October to December 2026.
Customers wishing to apply can register by 31 October 2026 through the credit card and loan service center, available 24/7, or via Helpline 02-714-5155 during business hours (Mon-Fri 8:30–17:30). Consideration is case-by-case per company policies.
Measure 2: Monthly installment reduction by extending repayment terms for all affected customer groups (excluding those already receiving maximum assistance under other measures). Interested customers may register similarly and will be considered case-by-case.
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TTB has launched the "Tang Luk" relief program for flood victims among various customer groups:
Home loan customers
- Principal payment deferral for 3 months (interest-only payments), or additional loan via home equity cash card with 0% interest for the first 2 months.
Auto loan and car-for-cash customers
- Installment deferral for up to 3 months.
Personal loan and credit card customers
- Debt suspension for 3 billing cycles (interest charged normally).
Business and SME customers
- Long-term loans may defer principal payments for up to 6 months.
- Revolving loans may extend principal repayment for up to 6 months.
- Business hire-purchase loans may extend repayment terms or reduce installments by up to 70% for 6 months.
Affected customers can register for the "Tang Luk" program at https://www.ttbbank.com/tang-luk from now until 31 December 2026. Business and SME customers may contact business relationship officers or TTB business customer service directly.
Thai Credit Bank has introduced urgent assistance to alleviate difficulties for customers affected by flooding in Bangkok, its vicinity, and flood zones nationwide. Eligible debtors include SME, MSME, Retail, Consumer, and Nano & Micro Finance groups.
The assistance includes principal and interest payment deferral for up to 2 months. More details are available at 02 697 5454.
Application periods:
- Bangkok and vicinity: 24 September 2026 to 7 November 2026.
- Other areas: within 45 days from the date of impact.
CIMB Thai has relief measures for flood-affected retail customers in two categories:
- Home loans (Home Loan): Principal and interest payment deferral for 3 months.
- Personal loans: Principal and interest payment deferral for 3 months.
Basic qualifications include customers who have not previously joined relief measures or are currently receiving assistance but wish to switch to this program. Customers must not be non-performing loans (NPL) at application and must provide evidence of flood impact, such as housing damage proof.
Applications are accepted from 27 September 2026 to 31 October 2026.
Finally, flood-affected commercial bank customers who wish to join relief programs are advised to contact their banks directly to register and verify required documents. Customers should prepare ID copies, photos or evidence of flood damage, loan information for the program, and check payment schedules.
Customers who have already contacted banks should confirm approval timeframes and whether these align with their payment deadlines to avoid gaps causing late interest charges.
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