Understanding Housing Loans in Cambodia
Buying a home is one of the most important financial decisions you will make. At Evergrowth (Cambodia) Specialized Bank PLC, our Housing Loan is designed to make the process as straightforward as possible for salary earners, entrepreneurs, and farmers across Cambodia.
Who Is Eligible?
Our Housing Loan is available to salary earners, micro and small entrepreneurs, and farmers with a regular income between USD 1,000 and USD 20,000 per month. It is designed to help you buy or build a new home on land you already own.
Loan Terms at a Glance
- Maximum loan amount: USD 1,000,000
- Maximum loan term: 180 months (15 years)
- Monthly interest rate: 0.60% – 1.00%
- DSR: 60% of net income
- LTV: 70% of purchasing price
- Processing fee: 1% of approved loan
Step-by-Step Process
- Prepare your documents — ID card, family book, proof of income, purchase documents, receipt of 30% payment
- Visit our office at No. 2596, Star City Building B, Federal Russian Blvd, Khan Sen Sok, Phnom Penh
- Meet a credit officer for consultation and credit assessment
- Property valuation by our credit team
- Mandatory CBC (Credit Bureau of Cambodia) check
- Loan approval and disbursement to seller
Submit your enquiry today and our lending team will guide you through the full process.