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

Applicants can visit our bank or call our bank experts to receive the consultation and kindly submit us below documents:

Individual Company
Individual
  1. Khmer Identity Card/ Passport of Borrower and / or Guarantor
  2. Copies of Family / Residential Book
  3. Employment contract, if any
  4. Last 6 months of salary slips, if any
  5. Employer’s Reference Letter on monthly salary / income, if any
  6. Statement of Income and Expense (Last 12 months)
  7. Loan account and agreement, if any
  8. Bank account statement for the past 12 months (Saving and / or Current) if any
  9. Photostat of tittle deeds of property(ies) to be mortgaged
  10. Sale and Purchase Agreement of the property(ies) if any
  11. Valuation Report of the property(ies), if any
  12. Biography of borrowers, If any
  13. List of property(ies) owned together with tittle deed or Letter of ownership
  14. List of property(ies) rental together with lease agreement, if any
  15. Others, if any
 Company
  1. Memorandum and Articles of Association
  2. Certification of Incorporation, Business License, Patent Tax License (of relevant year).
  3. Certificate of Identification of the Representative (Chairman of Board of Directors) (ID Card, Copy of Passport, etc.)
  4. Certificate of Identification of the Applicant (ID Card, Copy of Passport, etc.)
  5. Financial Statement for the period of last three(3) years;
  6. Current situation of the business and business plan;
  7. Certificate of Required Fund (sales contract, etc.
  8. Documents evidencing the income; and other necessary documents.
  9. Loan account and agreement, if any
  10. Bank account statement for the past 12 months (Saving and / or Current) if any
  11. Photostat of tittle deeds of property(ies) to be mortgaged
  12. Valuation Report of the property(ies),if any
  13. List of property(ies) owned together with tittle deed or Letter of ownership