SAM has partnered with SENA to enable SAM debtors who demonstrate disciplined repayment habits to become homeowners through SENA’s "LivNex: Rent-to-Own" program, offering special terms.

Ms. Natnaree Rattapat, Managing Director of Sukhumvit Asset Management Co., Ltd. (SAM), stated that SAM’s debt resolution goal—operating as a "Social AMC" (Social Asset Management Company)—extends beyond merely alleviating debt burdens. The company also focuses on encouraging customers to regain financial discipline and build creditworthiness, paving the way for new financial opportunities. This collaboration with SENA marks a transition from "debt resolution" to "opportunity creation." It offers hundreds of thousands of SAM’s retail customers—who are currently rehabilitating their financial status and maintaining good payment records—the chance to prepare for homeownership, which serves as the foundation for family stability, safety, and warmth.

SAM believes that rehabilitating a single customer impacts more than just one individual; it benefits entire families, enabling them to become driving forces in the economy and society, thereby contributing to the nation's overall economic stability and growth.

Asst. Prof. Dr. Kessara Thanyalakpark, Managing Director of Sena Development Public Company Limited, said, "This collaboration with SAM bridges debt management with the opportunity for homeownership. For those committed to resolving their debt and aspiring to own a home, there is no need to wait until they qualify for a traditional loan. SENA’s 'LivNex: Rent-to-Own' program allows them to move in and start the rent-to-own process immediately." Monthly "Rent-to-Own" payments accumulate as a discount toward the home purchase, while the property price is locked in advance. This provides time for preparation before applying for a loan and transferring ownership when ready. Over the past three years, we have witnessed customers transition from the rent-to-own scheme to actual homeownership. We therefore wish to extend this opportunity to participants of the "Fast Debt Settlement" (*Pid Nee Wai Pai Tor Dai*) and "Debt Clinic by SAM" programs. This initiative expands access to adequate, safe, and affordable housing—aligning with Sustainable Development Goal 11, a priority SENA has consistently upheld.

Eligibility criteria for the "Fast Debt Settlement" program are as follows: participants must be individual retail debtors classified as having Non-Performing Loans (NPLs)—based on National Credit Bureau (NCB) data—with a total outstanding debt across all loan categories not exceeding 100,000 Baht per person. The debts managed by SAM include unsecured obligations such as credit card debt, personal loans, and "residual debt" (the outstanding balance remaining after the sale of secured assets). Debtors must have principal or interest payments overdue by more than 90 days as of September 30, 2025, and must not be bankrupt or listed on the Anti-Money Laundering Office (AMLO) sanctions list. Two assistance measures are available, with debt obligations calculated based on the principal amount only (interest-free). Measure 1, "Pay-Close-Finish," offers an immediate 50% reduction in the principal amount with no interest charged, provided payment is made by December 31, 2026; however, for those unable to make a lump-sum payment... You can choose Option 2, "Installment Repayment," which offers an immediate 30% reduction in the principal amount, 0% interest, and a repayment period extending until June 30, 2029.

The public can check eligibility and register for the "Close Debt Fast, Move Forward" (Pid Nee Wai Pai Tor Dai) program via four channels: 1) the SAM Plus application (convenient, reliable, secure, and easy to use); 2) Line Official Account (add @samsocialamc); 3) the SAM website (www.sam.or.th); and 4) the SAM Contact Center at 1443 (press 6)—ideal for those who prefer not to use online systems or wish to consult with staff. Additionally, updates and news from SAM can be followed via the "Sukhumvit Asset Management" (SAM) Facebook page.

Regarding the "Debt Clinic by SAM" program, the eligibility criteria for participants are as follows: individuals must have an income, be no older than 70 years of age, and hold credit card debt. This program covers unsecured cash cards and personal loans classified as Non-Performing Loans (NPLs) with arrears exceeding 120 days (specifically, 121–150 days or more according to the current month's credit bureau report), provided the total outstanding debt does not exceed 2 million baht. Relief measures include a concessional interest rate of just 3–5% per annum and a repayment period of up to 10 years. Customers can apply through various channels: the website www.คลินิกแก้หนี้.com, the LINE account @debtclinicbysam, or by visiting the "Debt Clinic by SAM" office in person. The office is located on the 4th floor of The Avenue Ratchayothin Shopping Center (Glass Elevator Zone), Phahonyothin Road, Chatuchak District, Bangkok (near BTS Ratchayothin Station) and is open daily from 9:00 AM to 7:00 PM.

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