5 Tips to Strengthen Your Loan Application
1. Understand Your Debt Service Ratio (DSR)
Most loans require monthly repayments not to exceed 50–60% of your net income. If your net income is USD 2,000/month, maximum monthly repayment is around USD 1,000–1,200.
2. Keep Your CBC Record Clean
A Credit Bureau of Cambodia (CBC) check is mandatory for all applications. Ensure no outstanding bad debts before applying.
3. Prepare Complete Documentation
Incomplete documents are the most common cause of delays. Have ID, income proof, and property title deed ready.
4. Choose the Right Product
Select the loan product that matches your purpose. Visit our Products page to compare all six loan options.
5. Have a Clear Repayment Plan
Be clear about income sources and how you will sustain repayments. A stable employment history or business record helps significantly.