{"id":19,"date":"2024-06-10T08:34:22","date_gmt":"2024-06-10T08:34:22","guid":{"rendered":"http:\/\/xtratheme.comconstruction\/?page_id=13"},"modified":"2025-07-25T14:06:10","modified_gmt":"2025-07-25T07:06:10","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.jdbbank.com.la\/en\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"

\u0e84\u0eb3\u0e96\u0eb2\u0ea1\u0e97\u0eb5\u0ec8\u0e9e\u0ebb\u0e9a\u0ec0\u0ea5\u0eb7\u0ec9\u0ead\u0e8d\u0ec6<\/strong><\/span><\/h1>\n<\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>
<\/i>

\u0e9a\u0ecd\u0ea5\u0eb4\u0e81\u0eb2\u0e99\u0ec0\u0e87\u0eb4\u0e99\u0e81\u0eb9\u0ec9<\/span><\/h3>\n<\/div><\/div><\/div>
What are details on JDB loan?<\/div><\/span>
\n\t
\n\t\t
\n\t\t\t
    \n
  • Wedding loan<\/li>\n
  • Loan for small - large business<\/li>\n
  • Loan for employees-civil servants<\/li>\n
  • Loan for education<\/li>\n
  • Beauty loan<\/li>\n
  • And other loan details<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>
    What are required for loan documentation of each product?<\/div><\/span>
    \n\t
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    \n\t\t\t
      \n
    • \u0ec3\u0e9a\u0e84\u0eb3\u0eae\u0ec9\u0ead\u0e87\u0e81\u0eb2\u0e99\u0e81\u0eb9\u0ec9\u0ea2\u0eb7\u0ea1 (\u0ec1\u0e9a\u0e9a\u0e9f\u0ead\u0ea1\u0e97\u0eb0\u0e99\u0eb2\u0e84\u0eb2\u0e99)<\/li>\n
    • \u0eaa\u0eb3\u0ec0\u0e99\u0ebb\u0eb2 \u0e9a\u0eb1\u0e94\u0e9b\u0eb0\u0e88\u0eb3\u0e95\u0ebb\u0ea7 (\u0e9c\u0eb9\u0ec9\u0e81\u0eb9\u0ec9 \u0ec1\u0ea5\u0eb0 \u0e9c\u0eb9\u0ec9\u0e84\u0ec9\u0eb3)<\/li>\n
    • \u0eaa\u0eb3\u0ec0\u0e99\u0ebb\u0eb2 \u0eaa\u0eb3\u0ea1\u0eb0\u0ec2\u0e99\u0e84\u0ebb\u0ea7 (\u0e9c\u0eb9\u0ec9\u0e81\u0eb9\u0ec9 \u0ec1\u0ea5\u0eb0 \u0e9c\u0eb9\u0ec9\u0e84\u0ec9\u0eb3)<\/li>\n
    • \u0ec0\u0ead\u0e81\u0eb0\u0eaa\u0eb2\u0e99 \u0e8d\u0eb1\u0e87\u0ea2\u0eb7\u0e99\u0e97\u0eb5\u0ec8\u0ea2\u0eb9\u0ec8 (\u0e9c\u0eb9\u0ec9\u0e81\u0eb9\u0ec9 \u0ec1\u0ea5\u0eb0 \u0e9c\u0eb9\u0ec9\u0e84\u0ec9\u0eb3)<\/li>\n
    • \u0e8a\u0eb5\u0ea7\u0eb0\u0e9b\u0eb0\u0eab\u0ea7\u0eb1\u0e94\u0e9c\u0eb9\u0ec9\u0e81\u0eb9\u0ec9\u0ea2\u0eb7\u0ea1<\/li>\n
    • Copy of documents for business license<\/li>\n
    • Copy of documents for tax registration certificate<\/li>\n
    • Copy of business operation license<\/li>\n
    • Last 2-year financial statement<\/li>\n
    • Last 2-year balance sheet<\/li>\n
    • Last year transactions (bank statements)<\/li>\n
    • \u0e81\u0eb2\u0e99\u0ec0\u0e84\u0eb7\u0ec8\u0ead\u0e99\u0ec4\u0eab\u0ea7\u0e8a\u0eb3\u0ea5\u0eb0\u0ec0\u0e87\u0eb4\u0e99\u0e81\u0eb9\u0ec9 Loan Statements (\u0e96\u0ec9\u0eb2\u0ea1\u0eb5\u0edc\u0eb5\u0ec9)<\/li>\n
    • \u0eaa\u0eb1\u0e99\u0e8d\u0eb2\u0e95\u0ec8\u0eb2\u0e87\u0ec6 (\u0eaa\u0eb1\u0e99\u0e8d\u0eb2\u0e8a\u0eb7\u0ec9-\u0e82\u0eb2\u0e8d, \u0ec0\u0e8a\u0ebb\u0ec8\u0eb2, \u0eaa\u0eb3\u0e9b\u0eb0\u0e97\u0eb2\u0e99, \u0eaa\u0eb1\u0e99\u0e8d\u0eb2\u0e81\u0eb2\u0e99\u0ec0\u0e9b\u0eb1\u0e99\u0e95\u0ebb\u0ea7\u0ec1\u0e97\u0e99\u0e88\u0eb3\u0edc\u0ec8\u0eb2\u0e8d)<\/li>\n
    • \u0ec0\u0ead\u0e81\u0eb0\u0eaa\u0eb2\u0e99\u0e99\u0eb3\u0ec0\u0e82\u0ebb\u0ec9\u0eb2\u0eaa\u0eb4\u0e99\u0e84\u0ec9\u0eb2 \u0eab\u0ebc\u0eb7 \u0ec3\u0e9a\u0ec1\u0e88\u0ec9\u0e87\u0ea5\u0eb2\u0e84\u0eb2<\/li>\n
    • Documents for sale invoice<\/li>\n
    • Documents for transfer payment of goods<\/li>\n
    • Copy of collateral<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>
      At what JDB service units will loan transaction be performed<\/div><\/span>
      \n\t
      \n\t\t
      \n\t\t\t

      Customers are able to apply for a loan and submit it to service unit near you across the country where a JDB service unit is available.<\/p>\n

      Direct call to the relevant parties is 021 253 456 or 1499<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>

      <\/div><\/div><\/div><\/div>
      <\/div>
      <\/div><\/div><\/div><\/div><\/div>
      <\/i>

      \u0e9a\u0ecd\u0ea5\u0eb4\u0e81\u0eb2\u0e99\u0ec0\u0e87\u0eb4\u0e99\u0e9a\u0eb1\u0e94<\/span><\/h3>\n<\/div><\/div><\/div>
      What are details on fees for each category of cards?<\/div><\/span>
      \n\t
      \n\t\t
      \n\t\t\t
        \n
      •  ATM ALL IN ONE card + accident coverage is 5,000 LAK\/month and 20,000 LAK\/year for accident coverage cost.<\/li>\n
      •  The maintenance fee for UnionPay card is 5,000 LAK, 0,6 USD, 25 THB\/month\/card.<\/li>\n
      •  VISA Debit - Credit<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>
        What are registrations documents for using card services?<\/div><\/span>
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          \n
        • Family registration book or ID card or passport that is not expired.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>
          At what ATMs are ATM cards valid and how much does the fee coost<\/div><\/span>
          \n\t
          \n\t\t
          \n\t\t\t
            \n
          •  Joint Development Bank<\/li>\n
          •  Banque pour le Commerce Exterieur Lao Public (BCEL)<\/li>\n
          •  Lao Development Bank (LDB)<\/li>\n
          •  Lao-Viet Bank<\/li>\n
          •  Agricultural Promotion Bank (APB)<\/li>\n
          •  Maruhan Japan Bank Lao<\/li>\n
          • ICBC<\/li>\n
          • The fee of ATM costs 2,000 LAK\/transaction<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>
            Direct contact numbers can be made with the relevent parties<\/div><\/span>
            \n\t
            \n\t\t
            \n\t\t\t
              \n
            • 021 264 607 or 1499<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>
              <\/div><\/div><\/div><\/div>
              <\/div>
              <\/div><\/div><\/div><\/div><\/div>
              <\/i>

              \u0e9a\u0ecd\u0ea5\u0eb4\u0e81\u0eb2\u0e99\u0ec0\u0e87\u0eb5\u0e99\u0e9d\u0eb2\u0e81<\/span><\/h3>\n<\/div><\/div><\/div>
              What are the category of deposit accounts?<\/div><\/span>
              \n\t
              \n\t\t
              \n\t\t\t
                \n
              •  Saving account<\/li>\n
              • Fixed deposit account<\/li>\n
              • Current account<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>
                What documents are required to open a abnk account?<\/div><\/span>
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                \n\t\t
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                  \n
                • Family registration book or ID card or passport that is not expired.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>
                  What is the interest for a saving account and a fixed depost account (detail on interest is needed for customers)<\/div><\/span>
                  \n\t
                  \n\t\t
                  \n\t\t\t
                    \n
                  •  Interest for a saving account<\/li>\n
                  • Interest for a fixed deposit account<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>
                    What is the intial deposit to open an account (saving and fixed deposit account)<\/div><\/span>
                    \n\t
                    \n\t\t
                    \n\t\t\t
                      \n
                    •  The initial deposit for a saving account: 50,000 LAK, 500 THB, 20 USD.<\/li>\n
                    •  The initial deposit for a fixed deposit account: 2,000,000 LAK, 10,000 THB, 300 USD.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div>
                      what are the withdrawal regulations of fixed deposit account and what are its penalty?<\/div><\/span>
                      \n\t
                      \n\t\t
                      \n\t\t\t
                        \n
                      •  Withdrawal will be allowed upon the maturity<\/li>\n
                      •  In case that the maturity is not met, customers also perform their withdrawal, but there will be a penalty<\/li>\n
                      • Penalty of 100,000 LAK
                        \nPenalty of 500 THB
                        \nPenalty of 12 USD<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>
                        <\/div><\/div><\/div><\/div>
                        <\/div>
                        <\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"\u0e84\u0eb3\u0e96\u0eb2\u0ea1\u0e97\u0eb5\u0ec8\u0e9e\u0ebb\u0e9a\u0ec0\u0ea5\u0eb7\u0ec9\u0ead\u0e8d\u0ec6 \u0e9a\u0ecd\u0ea5\u0eb4\u0e81\u0eb2\u0e99\u0ec0\u0e87\u0eb4\u0e99\u0e81\u0eb9\u0ec9 \u0e82\u0ecd\u0ec9\u0ea1\u0eb9\u0e99\u0ec0\u0e87\u0eb4\u0e99\u0e81\u0eb9\u0ec9 \u0e82\u0ead\u0e87\u0e97\u0eb0\u0e99\u0eb2\u0e84\u0eb2\u0e99\u0eae\u0ec8\u0ea7\u0ea1\u0e9e\u0eb1\u0e94\u0e97\u0eb0\u0e99\u0eb2 \u0ea1\u0eb5\u0eab\u0e8d\u0eb1\u0e87\u0ec1\u0e94\u0ec8? \u0ec0\u0e87\u0eb4\u0e99\u0e81\u0eb9\u0ec9\u0e87\u0eb2\u0e99\u0ec1\u0e95\u0ec8\u0e87 \u0ec0\u0e87\u0eb4\u0e99\u0e81\u0eb9\u0ec9\u0e97\u0eb8\u0ea5\u0eb0\u0e81\u0eb4\u0e94\u0e82\u0eb0\u0edc\u0eb2\u0e94\u0e99\u0ec9\u0ead\u0e8d - \u0ec3\u0eab\u0e8d\u0ec8 \u0ec0\u0e87\u0eb4\u0e99\u0e81\u0eb9\u0ec9\u0e9e\u0eb0\u0e99\u0eb1\u0e81\u0e87\u0eb2\u0e99-\u0ea5\u0eb1\u0e94\u0e96\u0eb0\u0e81\u0ead\u0e99 \u0ec0\u0e87\u0eb4\u0e99\u0e81\u0eb9\u0ec9\u0ec0\u0e9e\u0eb7\u0ec8\u0ead\u0e81\u0eb2\u0e99\u0eaa\u0eb6\u0e81\u0eaa\u0eb2 \u0ec0\u0e87\u0eb4\u0e99\u0e81\u0eb9\u0ec9\u0ec0\u0e9e\u0eb7\u0ec8\u0ead\u0e84\u0ea7\u0eb2\u0ea1\u0e87\u0eb2\u0ea1 \u0ec1\u0ea5\u0eb0 \u0e82\u0ecd\u0ec9\u0ea1\u0eb9\u0e99\u0ec0\u0e87\u0eb4\u0e99\u0e81\u0eb9\u0ec9\u0ead\u0eb7\u0ec8\u0e99\u0ec6 \u0ec0\u0ead\u0e81\u0eb0\u0eaa\u0eb2\u0e99\u0e9b\u0eb0\u0e81\u0ead\u0e9a\u0ec3\u0e99\u0e81\u0eb2\u0e99\u0e81\u0eb9\u0ec9\u0ea2\u0eb7\u0ea1\u0ec0\u0e87\u0eb4\u0e99\u0e82\u0ead\u0e87\u0ec1\u0e95\u0ec8\u0ea5\u0eb0\u0e9c\u0eb0\u0ea5\u0eb4\u0e94\u0e95\u0eb0\u0e9e\u0eb1\u0e99\u0ea1\u0eb5\u0eab\u0e8d\u0eb1\u0e87\u0ec1\u0e94\u0ec8? \u0ec3\u0e9a\u0e84\u0eb3\u0eae\u0ec9\u0ead\u0e87\u0e81\u0eb2\u0e99\u0e81\u0eb9\u0ec9\u0ea2\u0eb7\u0ea1 (\u0ec1\u0e9a\u0e9a\u0e9f\u0ead\u0ea1\u0e97\u0eb0\u0e99\u0eb2\u0e84\u0eb2\u0e99) \u0eaa\u0eb3\u0ec0\u0e99\u0ebb\u0eb2 \u0e9a\u0eb1\u0e94\u0e9b\u0eb0\u0e88\u0eb3\u0e95\u0ebb\u0ea7 (\u0e9c\u0eb9\u0ec9\u0e81\u0eb9\u0ec9","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-19","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nFAQ - 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