If your business or home is in a flood-declared zone (ปภ. announcement), GSB will offer a 3-month principal and interest holiday; interest during the period is waived, and the deferred principal is added to the final installment. Eligible businesses can apply for emergency loans up to 20,000 baht (0% for 3 months, then 0.60% flat per month), business recovery loans up to 300,000 baht guaranteed by SME Guarantee Corp (0.70% flat per month, about 15% effective), or SME flood-relief loans up to 5 million baht (0% for 6 months, then MLR-based). Check eligibility at GSB branches or call 1115; the bank will notify eligible customers by SMS or letter. Large-business loans are excluded.