Credit officers in this region add up what already leaves your account. The debt review does that addition with you first, including store cards and the family loan that is not on a bureau report but still goes out every month. You take home one column, written in numbers you have checked.
Arrangement
One meeting and a one-page column
The Rueso office
7,200 baht to start
Who it is for
Households with more than one installment, a shop that mixes household and business payments, or a guarantor obligation for a relative.
What you leave with
A single column of repeating payments, a note of balances you still owe, and a monthly remainder before any housing installment is imagined.
Included in the sitting
- Two hours in the office
- A one-page column of active credit lines and family payments you tell us about
- A short comment on which lines a bank is likely to see and which are informal
Handled with other professionals
- We do not call your creditors or renegotiate a rate
- A housing loan decision remains with the institution you approach
- The full deposit-and-transfer picture is the readiness review
How it unfolds
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01
Bring every booklet
Car, motorcycle, cash card, store installment, and any written family loan. If a payment has no booklet, bring three months of statements and mark the line.
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02
Build the column
We write the monthly amount, the balance, and the months remaining. Lines beyond four active credits add time and a further fee, which we state before we continue.
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03
Read the remainder
The bottom of the page is what is left of a typical month after those payments and ordinary living costs you have described. That remainder is the room a housing installment would have to occupy.
What to bring
- Loan booklets and latest statements
- Card balances
- A note of informal payments that leave the account on a schedule
Fee and limits
7,200 baht to start, paid by bank transfer before the meeting. Additional lines are quoted in the room and can be declined; we then stop the column at the lines already covered.
The starting fee covers up to four active credit lines. Each further line is 1,200 baht, quoted before we add it. Informal debts appear only if you describe them.