• 
• 

Published on March 11, 2008

Most people are familiar with home-delivery services for food. Some may order pizza frequently to make their lives easier and more convenient when busy or feeling lazy. But besides food, other operators, including financial institutions, are providing consumers with greater convenience through deliveries of goods and services.

Since many consumers tend to be choosy, businesses must develop their delivery services to persuade customers to using their goods or services. In particular, they must provide convenience and speed. Financial services are like any other consumer product in this competitive era.

Customers wanting to take out a bank loan usually have to go to a bank branch and ask for details from staff there, carry their personal documents along with them and then wait for an answer to their application. The process takes about a week or two. But now, staying at home or anywhere else, you can call for loan-delivery service. Consumer-loan products, such as home and auto loans, can now be readily served with only a phone call.

If you plan to buy a new home or other residence and are looking for a mortgage loan, but you have a busy schedule and do not have time to go to a bank, then Kasikornbank's K-Home Loan Delivery may be for you.

From anywhere, you can access this convenient service by calling the bank's contact centre at (02) 888 8888 ext 55.

Under the service concept, home-buyers simply pick up their phone, and the bank loan will be delivered to their doorstep. The bank's staff will go out to meet you anywhere you require and in little time, depending on the distance.

Normally, the bank has direct agents offering the service to mortgage-loan applicants. The team is available in the capital, but upcountry a branch's staff will provide the service. With the K-Home Loan Delivery, a full range of home-loan services is now available 24 hours throughout the Kingdom. There is no charge for the service.

For greater convenience and faster loan-signing, customers should prepare their personal documents, such as copies of IDs and house registrations. Financial-status documents are also required, which may be bank statements for the past six months, monthly payslips or an income-certification letter.

For car-owners, GE Money has its Car4Cash service. If you have a car and need cash, the product will respond to your demand. Under the Car4Cash concept, car-owners can use their motor vehicles as collateral for cash loans. For greater convenience in applying for the product, GE Money offers a delivery service that is fast, efficient and timesaving.

Just dial (02) 740 7400 and the company's experienced staff will offer you a home visit providing a complete auto-refinancing service. They are ready to serve you in both car appraisals and loan contracts at home or anywhere else in the country, as you like.

Sometimes car-owners seek cash through refinancing. But if they must spend a lot of time driving to auto-loan providers, only to find that some have limited space in their parking lot, little hassles like this can turn them off of a loan product.

Borrowers must prepare their car-registration booklet to apply for a loan under the Car4Cash delivery service. The refinanced-loan product offers car-owners a credit line of 100 per cent of a car's appraised value. And the non-bank company also offers a maximum loan-instalment period of five years.

Customers wanting this service must pay a fee. However, if their loan application is approved, they will not be charged. So customers should carefully study the product's details and loan conditions before requesting the service.

Somruedi Banchongduang

The Nation