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