ด่วน!เหลือเวลาอีก 1 วัน รีบจ่ายหนี้กยศ.ก่อนโดนปรับ 12-18% และฟ้องคดี

 

 

ห้ามพลาด ยังเหลือเวลาอีก 1 วัน 5 ก.ค.60 นี้เป็นวันสุดท้าย สำหรับการชำระหนี้คืน กยศ. หากล่าช้าเจอแน่ เบี้ยปรับ 12-18 % ต่อปี และอาจถูกฟ้องร้องคดี

ในวันที่ 5 กรกฎาคม 2560 นี้ จะเป็นวันสุดท้ายสำหรับการชำระหนี้คืนกองทุนกู้ยืมเพื่อการศึกษา หรือ กยศ.
โดยตัวเลขที่ทางกองทุนฯกยศ. เปิดเผย จะมีผู้ที่ครบกำหนดชำระหนี้คืน หลังจากสำเร็จการศึกษาหรือเลิกการศึกษา ประมาณ 3 ล้านราย ทั้งนี้ หาก ผู้กู้ผิดนัดชำระหนี้ จะต้องเสียเบี้ยปรับในอัตรา 12-18 % ต่อปี และ อาจจะถูกฟ้องร้องเพื่อดำเนินคดีตามกฎหมายอีกด้วย

เพิ่มช่องทางชำระเงิน

ในปัจจุบันกองทุน กยศ.ได้อำนวยความสะดวก ผู้กู้ยืมสามารถชำระเงินคืนกองทุนได้สะดวกมากขึ้นผ่านช่องทางที่ให้บริการรับชำระหนี้ ทั่วประเทศ ด้วยรหัสการชำระเงิน (Barcode) โดยมีขั้นตอน ดังนี้

1) เข้าตรวจสอบยอดหนี้ทางเว็บไซต์ กยศ. www.studentloan.or.th ณ วันที่ประสงค์ชำระเงิน
2) ดูรายละเอียดข้อมูลบัญชีผู้กู้
3) ดูยอดหนี้ที่จะต้องชำระรวมในงวด 5 ก.ค. 2560
4) พิมพ์รหัสการชำระเงิน (Barcode)
5) นำเงินไปจ่ายชำระที่ไปรษณีย์ไทย เคาน์เตอร์เซอร์วิส และธนาคารที่กองทุนกำหนด ได้แก่
บมจ. ธนาคารกรุงไทย
ธนาคารอิสลามแห่งประเทศไทย
ธนาคารแลนด์ แอนด์ เฮ้าส์
ธนาคารทหารไทย
ธนาคารไทยพาณิชย์
ธนาคารกรุงศรีอยุธยา จำกัด และ
ธนาคารเพื่อการเกษตรและสหกรณ์การเกษตร

สำหรับผู้ที่ผิดนัดชำระหนี้ ทางกองทุนฯ มีวิธีคิดดอกเบี้ยและค่าปรับตามรายละเอียดดังนี้
ดอกเบี้ย/ค่าปรับหรือค่าธรรมเนียมจัดการกรณีผิดนัดชำระหนี้

1 ดอกเบี้ยหรือประโยชน์อื่นใด
การคิดดอกเบี้ยหรือประโยชน์อื่นใด ให้คิดตั้งแต่วันที่ครบกำหนดชำระหนี้ของเงินต้นที่เหลือหลังจากชำระงวดแรกแล้วโดยสามารถคำนวณดอกเบี้ยหรือประโยชน์อื่นใด ได้ดังนี้

ดอกเบี้ยหรือประโยชน์อื่นใด = เงินต้นคงค้างทั้งหมด x อัตราดอกเบี้ยหรือประโยชน์อื่นใด x ระยะเวลา
2. ค่าปรับ หรือค่าธรรมเนียมจัดการกรณีผิดนัดชำระหนี้

หากผู้กู้ยืมเงินผิดนัดชำระหนี้ ผู้กู้ยืมเงินต้องชำระค่าปรับ หรือค่าธรรมเนียมจัดการกรณีผิดนัด ชำระหนี้ตามที่กองทุนกำหนด ดังนี้

(1) กรณีผ่อนชำระหนี้เป็นรายเดือน หากค้างชำระตั้งแต่ 1 เดือนขึ้นไปแต่ไม่เกิน 12 เดือน ชำระค่าปรับหรือค่าธรรมเนียมจัดการกรณีผิดนัดชำระหนี้ ร้อยละ 1 ต่อเดือนของเงินต้นงวดที่ค้างชำระ หากค้างชำระเกิน 12 เดือน ชำระค่าปรับหรือค่าธรรมเนียมจัดการกรณีผิดนัดชำระหนี้ ร้อยละ 1.5 ต่อเดือนของเงินต้นงวดที่ค้างชำระทั้งหมด
(2) กรณีผ่อนชำระหนี้เป็นรายปี หากค้างชำระไม่เกิน 1 งวดชำระค่าปรับ หรือค่าธรรมเนียมจัดการกรณีผิดนัดชำระหนี้ร้อยละ 1 ต่อเดือนของเงินต้นงวดที่ค้างชำระ กรณีผ่อนชำระหนี้เป็นรายปี หากค้างชำระตั้งแต่ 1 งวดขึ้นไปชำระค่าปรับ หรือค่าธรรมเนียมจัดการกรณีผิดนัดชำระหนี้ร้อยละ 1.5 ต่อเดือนของเงินต้นงวดที่ค้างชำระทั้งหมด โดยสามารถคำนวณค่าปรับหรือค่าธรรมเนียมจัดการกรณีผิดนัดชำระหนี้ ได้ดังนี้

ค่าปรับ หรือค่าธรรมเนียมจัดการ = เงินต้นงวดที่ค้างชำระ x อัตราค่าปรับ หรือค่าธรรมเนียมจัดการ x ระยะเวลาที่ค้างชำระของงวดนั้น

 

 

 

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