The Deputy Government Spokesperson revealed that GH Bank is offering up to a one-year payment holiday and interest rate reductions on loans for home construction and repairs to improve quality of life through assistance measures that alleviate hardships for customers in the Thai-Cambodian border area.
On 3 Jan 2026 GMT+7, Ms. Airin Panrit, Deputy Spokesperson of the Prime Minister’s Office, stated that the current unrest in the Thai-Cambodian border area has severely affected residents’ livelihoods, occupations, homes, and properties. GH Bank has implemented relief measures for customers impacted by the border dispute, including up to a one-year debt payment holiday, 0% interest rates, and flexible installment arrangements. The bank also offers loans for building or repairing homes to help people restore their quality of life and ease financial burdens. These measures cover all customer groups, including:
Measure 1 applies to current customers who have been seriously injured or whose residences were damaged due to the border dispute. They will receive an interest rate reduction to 0.01% per year (from the current rate) for the first five years. From year six until the end of the contract, retail customers will be charged MRR minus 0.75% annually; welfare customers will pay MRR minus 1.00% per year; and for equipment purchases or debt payments, the rate is MRR. The current GH Bank MRR is 6.195% per year.
Measure 2 targets current customers whose homes were completely damaged and uninhabitable, or who are permanently disabled or deceased. They will receive an interest rate reduced to 0.01% per year (from the current rate) for the entire contract duration.
Measure 3 is for customers in affected areas who wish to borrow to construct new buildings replacing old ones. Interest rates are 0% per year for the first six months; 0.50% per year for months 7 to 12; 2.50% per year for years 2 to 3; 3.50% per year for years 4 to 5; and MRR minus 2.00% per year for years 6 to 10. From year 11 onward, retail customers pay MRR minus 0.75% annually, and welfare customers pay MRR minus 1.00% per year.
Measure 4 concerns customers classified as NPL (non-performing loan) status who are deceased, permanently disabled, or whose collateral was entirely damaged and uninhabitable. For months 1 to 12, they will pay 0% interest and have no installment payments. Afterwards, installments resume with an interest rate of only 0.01% per year for the remaining term.
Measure 5 is for NPL customers who were seriously injured or whose collateral was damaged. They may restructure their debt for up to 5 years. For months 1 to 12, the interest rate is 0% with no installment payments; months 13 to 60 carry an interest rate of 0.01% per year with installments not less than the monthly interest amount. Upon completing payments, customers will return to their original interest rates prior to this measure.
Measure 6 applies to NPL customers facing income loss. Debt restructuring is allowed for up to 1 year. For months 1 to 6, interest is 0% and monthly payments are 1,000 baht applied toward principal. For months 7 to 12, interest is 1.00% per year with installments at least equal to the monthly interest plus 100 baht. After completion, the original interest rates will resume.
Additionally, current customers wishing to extend or repair buildings or purchase damaged equipment can apply for Repair and Renovation Loans or Repair and Renovation Plus Loans with a maximum loan amount of 300,000 baht per borrower and a maximum loan term of 5 years. The first 100,000 baht carries a fixed interest rate of only 1% per year for 3 years. The next 200,000 baht will have an interest rate of 1.99% per year for years 1 to 3, and 3.50% per year for years 4 to 5. No additional mortgage registration at the land office is required.
For GH Bank customers affected by the situation who are interested in participating in these measures, loan applications are accepted starting today. For more information, contact the G H Bank Call Center at 0-2645-9000 or follow the bank’s news on all G H Bank social media channels at https://www.ghbank.co.th/news/detail/public-relations/press-30-12-2568