So please, think first very carefully on what you really need for the
upcoming years, with a baby coming, with the need for a home, for a car
etc. That can be more than 50000 baht or less. So please give us
(financial) inside in how you and Joon together can guarantee that you
can pay-back just as you go to the bank for a loan they will ask the
same. If you do above you can get a loan and a gift of 20000 baht.