Working capital needs;
Operational needs;
Other business needs.

Note:
The fund advanced under micro loan shall be used only for valid business propose. If the borrower needs funds for purchasing car, house or renovating/construction of house it should be submitted for CCHO approval as respective loan products such as Car Loan or Housing Loan.

Loan Amount

 500 – 5,000

 5,000 – 10,000

10,000 – 30,000

30,000 – 50,000

Strong Title Collateral

18.00% - 20.40%

15.60% - 18.00%

13.20% -  15.60%

12.60% -  13.20%

Soft Title Collateral

20.40% - 25.20%

18.00% - 20.40%

15.60% - 18.00%

N/A

500 – 1,000.00 USD – Up to 18 months;
1,000-5,000 USD – Up to 24 months;
5,000 – 30,000 USD – Up to 48 months;

 30,000 – 50,000 USD – Up to 60 months.

Real estate property with strong title or Soft Title (mandatory for all Micro loans);
Third party, corporate and bank guarantees;
Another type of collateral, negotiable with the Bank.
Note:
No loan shall be provided to walk in clients with soft title as collateral. Bank can consider only such clients with soft title as collateral, who were solicited by the bank officials based on the client’s reputation and credit worthiness.
 

Location

Phnom Penh, Provincial town or City

Province, Outskirt or Rural

Strong Title Deed

50%

40%

Soft Title Deed

40%

30%

Interest shall be paid monthly starting one month from the date of disbursement of Micro Loan.

Note:

The monthly / quarterly/ semiannually repayment of Micro Loan can be unequal in amount depending on the repayment capacity and income generation of the borrower. However, the final repayment amount must not be more than 20% of the total loan provided.

2% of the prepaid loan amount if the loan is repaid early within first year from the date of initial disbursement of loan;
1% of the prepaid loan amount if the loan is repaid early within second year from the date of initial disbursement of loan;
No prepayment charge if the loan is repaid after two year from the date of initial disbursement of loan.