The Social Security Office is advancing the Labor Minister's policy by pushing forward the "Social Investment Project" for National Labor Day to assist insured persons and support businesses in overcoming the cost-of-living crisis.
On 1 May 2026, Ms. Kanchana Phoolkaew, Secretary-General of the Social Security Office, revealed that under the policy of Mr. Chulaphan Amornwiwat, Minister of Labor, aimed at alleviating impacts from the global economic crisis which has increased the financial burden on insured persons, the Social Security Office is accelerating the implementation of the "Social Investment Project" to provide tangible support to both insured individuals and businesses.
To enhance liquidity in the business sector, the Social Security Office has partnered with seven affiliated banks: Bank for Agriculture and Agricultural Cooperatives, Bangkok Bank Public Company Limited, Export-Import Bank of Thailand, Krungthai Bank Public Company Limited, United Overseas Bank (Thai) Public Company Limited, Thai Credit Retail Bank Public Company Limited, and TMBThanachart Bank Public Company Limited, allocating a total of 30 billion baht to support loans for businesses to maintain liquidity and employment levels.
Loan amounts range from up to 15 million baht to 50 million baht depending on business size. The fixed interest rate for the first 3 years is no higher than 2.35% per year with collateral, and no more than 4.75% per year without collateral. From the 4th year onward, interest rates will be set by each bank. Participating businesses must have paid social security contributions continuously for at least 12 months and maintain employment at no less than 80%. Loan applications are accepted from 3 July 2025 to 30 December 2026 or until the loan fund is fully allocated, whichever comes first, via obtaining a business status certificate from the Social Security Office website.www.sso.go.thBefore contacting a participating bank, which will approve loans based on its criteria. Currently, 1,071 businesses have received loan approval, preserving employment for 137,986 workers, with a total loan amount of 11.34752 billion baht.
Meanwhile, the Social Security Office has partnered with the Government Housing Bank to implement measures assisting insured persons affected by flooding in nine southern provinces, with a total fund not exceeding 4 billion baht. This is for insured persons under Sections 33, 39, and 40 to repair or build new housing. Repair loans are up to 500,000 baht and new construction up to 2 million baht, at a special interest rate of 1.59% per year for the first 5 years, MRR minus 2% per year for years 6 to 8, and MRR minus 0.5% per year from year 9 onward.
To participate, insured persons must meet criteria, be homeowners in affected areas, and if under Section 40, have paid contributions for at least 6 of the last 12 months before exercising the right. Applications are accepted from 29 January 2026 to 31 July 2026 or until funds are exhausted, whichever occurs first. Applicants must obtain an insured status certificate from any Social Security Office nationwide before submitting to the Government Housing Bank, which will approve loans according to its criteria.
Ms. Kanchana emphasized that the Social Security Office is committed to continuously advancing the Social Investment Project to ease the cost-of-living burden for insured persons, while strengthening businesses to maintain employment and support sustainable economic growth. Interested parties can inquire further at the 24-hour hotline 1506.