Kashjoy easy

About Kashjoy easy

Online financial services on mobile phones from KBJ Capital Company Limited that allow for convenient financial transactions anywhere, anytime and can be assured with a standardized security system with our services.
feature
-Check credit limit, payment amount, payment due date Transaction history
-Activate the card, freeze the card, issue a new card
- Withdraw money without using a card at an ATM Transfer the amount to your bank account
-Pay with Barcod/QR Code/Mobile banking
-Follow interesting news and promotions
-Contact customer service, call 1258, Line: @kashjoyofficial
-Find a CashJoy service point
-Follow Kashjoy Website: http://www.kbjcapital.co.th and Facebook: KashjoyOfficial
-Personal loans You can choose to apply in 2 formats. Cash card loans (revolving loans) and multi-purpose loans (non-revolving loans)
-The maximum approval limit is not more than 5 times your income. or a maximum of not more than 1 million baht. Credit consideration. According to the conditions set by the company.
-Interest rate Maximum not exceeding 25% per year, with a reduction in interest and interest (equivalent to 2.08% per month).
-Stamp duty 1 baht for every 2,000 baht loan or fraction of the 2,000 baht loan.
-The cost of checking credit information does not exceed 12 baht (actually charged).
- Expenses for following up and collecting in the case of late payment, not more than 50 baht in the case of overdue payment of 1 installment and outstanding debt of 1,000 baht or more / not more than 100 baht in the case of overdue payment of more than 1 installment and outstanding debt of 1,000 baht or more.
-Revolving personal loan You can choose to pay in full or pay back a minimum of 3% of the outstanding principal amount. or not less than 300 baht, whichever is higher (choose to pay the higher amount)
-Multi-purpose loans in the form of a lump sum payment Pay back in installments. Choose from 12 - 60 months.

Example of a table showing debt burden
-Loan limit 30,000 baht
-Interest rate 15% per year
- Credit line usage fee rate is 10% per year.
-Effective interest rate 25% per year, reduce principal and interest.
-Number of installments 12 months
-Other expenses include stamp duty of 15 baht/credit information verification cost of 12 baht, collected together with the first installment.

1st installment payment per installment=2,852.00(+other expenses27=2,879), interest+fees=328.76 Principal = 2,523.24 Outstanding=27,476.76
2nd installment payment per installment=2,852.00, interest+fees=619.69, principal=2,232.31 Outstanding=25,244.45
3rd installment payment per installment = 2,852.00, interest + fees = 549.29, principal = 2,302.71 Outstanding=22,941.74
4th installment payment per installment=2,852.00, interest+fees=520.23, principal=2,331.77 Outstanding=20,609.97
5th installment payment per installment = 2,852.00, interest + fees = 471.14, principal = 2,380.86 Outstanding=18,229.11
6th installment payment per installment=2,852.00, interest+fees=378.94, principal=2,473.06 Outstanding=15,756.05
7th installment payment per installment=2,852.00, interest+fees=370.1, principal=2,481.9 Outstanding=13,274.15
8th installment payment per installment=2,852.00, interest+fees=306.74, principal=2,545.26 Outstanding=10,728.89
Installment number 9, payment per installment = 2,852.00, interest + fees = 264.4, principal = 2,587.6 Outstanding=8,141.29
10th installment payment per installment = 2,852.00, interest + fees = 202.73, principal = 2,649.27 Outstanding=5,492.02
11th installment payment per installment = 2,852.00, interest + fees = 154.71, principal = 2,697.29 Outstanding=2,794.73
12th installment payment per installment=2,931.14, interest+fees=136.41, principal=2,794.73 outstanding=0
Total payment = 34,303.14, interest + fees = 4,303.14, principal = 30,000.00

Calculation description
1. How to calculate interest Outstanding principal X Annual interest rate X Number of days in each accounting period ÷ 365 days
2. How to calculate the credit line usage fee Outstanding principal X Annual credit line usage fee rate
3. How to calculate the remaining principal in the next period (Outstanding principal + interest and fees etc. in each accounting period) – the amount paid by the customer
4. Method for calculating the principal repayment amount in each period. Amount paid by the customer – Other expenses – Interest and fees etc. in each accounting period

note:
-The amount of installment payments will be as per the table above. Only when the customer pays in full and on time as agreed.
-If paying per installment is less than the minimum payment amount A follow-up fee may be charged. and causing the principal amount to decrease less than shown in the table and the number of installments that must be paid may increase.

KB J Capital Company Limited
No. 89 AIA Capital Center Building, 3rd Floor, Ratchadaphisek Road, Din Daeng Subdistrict, Din Daeng District, Bangkok 10400