Housing Loan
Own Your Dream Home with Flexible, Affordable Financing
At Evergrowth (Cambodia) Specialized Bank Plc., we understand how important it is to have a home you can call your own. Our Housing Loan is designed for salaried individuals, small business owners, and farmers looking to build or purchase a home on their own land. With high loan amounts, long terms, and simple documentation, we help turn your dream into reality.
Product Features
| Feature | Details |
|---|---|
| Loan Amount | Up to USD 1,000,000 |
| Loan Term | 60 – 180 months (5 – 15 years) |
| Interest Rate | 0.60% – 1.00% per month |
| Repayment Type | Equal Monthly Installments (Principal + Interest) |
| Debt Service Ratio (DSR) | Maximum 60% of net monthly income |
| Processing Fee | 1% of approved loan amount (payable after disbursement) |
Collateral & Valuation
| Requirement | Details |
|---|---|
| Collateral | The house/property being purchased or constructed |
| Loan-to-Value (LTV) | Up to 70% of purchase price |
| Collateral Registration | At Khan/District or Cadastral Office |
| Fire Insurance | Required upon completion of construction (borrower pays insurance fee) |
Required Documents
Copy of ID card(s), family book, and Employee ID
Proof of income:
Salary: contract, payslip, bank statements
Business: income & expense report
Purchase-related documents:
Sales Purchase Agreement (SPA)
Receipt showing at least 30% of payment made
Any other supporting documents requested by the bank
Additional Conditions
Credit Bureau Check (CBC): Mandatory and paid by the borrower
Legal Process: Witnessing by credit officer and borrower’s relative; lawyer fees paid by borrower
Flexible Loan Use: Applicable for both construction and house purchase on owned land
Ideal Borrowers
Salaried employees earning a regular monthly income
Micro/small business owners or farmers with stable revenue
Individuals purchasing or building homes in suburban or rural areas
Ready to Grow with Evergrowth Bank?
Take the next step toward achieving your financial goals with our flexible business and personal loan solutions. Our team is here to guide you every step of the way.
