Loans & Advances
Your personal and business financing needs are satisfied by our refined products with high service quality. These main products are tabulated as below:
Loan Types |
Terms and Conditions |
Loan Size |
Loan Terms |
Payment Mode |
MA / LTV |
Interest Rate |
Rescheduling |
MSME |
$2K-$100K |
Max. 15 years |
Installment |
Max. 60% |
Reasonable |
Yes |
Housing Loan |
On Demand |
Max. 20 years |
Installment |
Max. 70% |
Reasonable |
No |
Term Loan |
On Demand |
Max. 15 years |
Installment / Bullet |
Max. 60% |
Reasonable |
Yes |
Overdraft |
On Demand |
1 years |
Bullet (Used Balance) |
Max. 60% |
Reasonable |
Yes |
Revolving Credit |
On Demand |
Max. 6 months |
Bullet (Used Balance) |
Max. 60% |
Reasonable |
Yes |
Individual |
Company |
Individual |
- Khmer Identity Card/ Passport of Borrower and / or Guarantor
- Copies of Family / Residential Book
- Employment contract, if any
- Last 6 months of salary slips, if any
- Employer’s Reference Letter on monthly salary / income, if any
- Statement of Income and Expense (Last 12 months)
- Loan account and agreement, if any
- Bank account statement for the past 12 months (Saving and / or Current) if any
- Photostat of tittle deeds of property(ies) to be mortgaged
- Sale and Purchase Agreement of the property(ies) if any
- Valuation Report of the property(ies), if any
- Biography of borrowers, If any
- List of property(ies) owned together with tittle deed or Letter of ownership
- List of property(ies) rental together with lease agreement, if any
- Others, if any
|
Company |
- Memorandum and Articles of Association
- Certification of Incorporation, Business License, Patent Tax License (of relevant year).
- Certificate of Identification of the Representative (Chairman of Board of Directors) (ID Card, Copy of Passport, etc.)
- Certificate of Identification of the Applicant (ID Card, Copy of Passport, etc.)
- Financial Statement for the period of last three(3) years;
- Current situation of the business and business plan;
- Certificate of Required Fund (sales contract, etc.
- Documents evidencing the income; and other necessary documents.
- Loan account and agreement, if any
- Bank account statement for the past 12 months (Saving and / or Current) if any
- Photostat of tittle deeds of property(ies) to be mortgaged
- Valuation Report of the property(ies),if any
- List of property(ies) owned together with tittle deed or Letter of ownership
|