Personal Loan
Simple and Secure Loans for Your Personal Financial Needs
Whether you’re managing family expenses, funding education, planning a special event, or dealing with an emergency, Evergrowth (Cambodia) Specialized Bank Plc. offers a Personal Loan tailored to your needs. With no collateral required, fixed monthly repayments, and a fast application process, our Personal Loan is a flexible solution for salaried individuals and small business owners.
Product Features
| Feature | Details |
|---|---|
| Loan Amount | Up to USD 30,000 or equivalent in KHR |
| Loan Term | 12 – 36 months |
| Interest Rate | 1.10% – 1.40% per month |
| Repayment Type | Equal Monthly Installments (Principal + Interest) |
| Processing Fee | 1% of approved loan amount (payable after disbursement) |
| Debt Service Ratio (DSR) | Maximum 50% of net monthly income |
| Collateral | Not required |
Who Can Apply?
Salaried employees earning USD 1,000 – 10,000/month
Small business owners with stable income
Farmers or freelancers with consistent monthly revenue
Required Documents
Copy of ID card(s), family book, and Employee ID
Proof of income:
Salary earners: employment contract, confirmation letter, payslip, bank statement
Business owners: income/expense records, business license (if applicable)
Any additional supporting documents as requested by the bank
Terms & Conditions
| Requirement | Details |
|---|---|
| Credit Bureau Check (CBC) | Mandatory and paid by borrower |
| Witnessing | Loan agreement must be witnessed by a credit officer and borrower’s relative |
Ideal For
Covering medical or family emergencies
Funding personal projects or special events
Consolidating small debts
Education-related expenses
Any personal financial needs without needing collateral
