Micro Home Improvement Loan

Everyone looks forward to owning and renovating their dream home. It is now within your reach and buying that house is possible with a Micro Home Improvement Loan. You can use it to build a house, improve/ renovate your home, set up a sanitary system and purchase land/ home to match your desired living standard.

Eligibility Criteria:

  • Between 18 and 65 years old.
  • Cambodians who are Self-employed/Salary workers and living in Phillip Bank’s operating area
  • A profile with no criminal record
  • Running a legal, harmless business (not an environmentally or socially damaging business).

Tab 1 Content

Valid Identification documents:

•    NID/Passport
•    Staff ID
•    KYC documents

Business and Income Proof:
•    Certificate of business existence
•    Relevant financial documents
•    Bank account statement
•    Salary slip

Other Requirements:
•    Real estate property document (Soft or Hard Title)
•    A cash deposit (Savings Account/ Current Account/ Term Deposit Account within the Bank)

Tab 2 Content

Loan Amount

Rate (Monthly)

 Tenor (Month)

USD 100 - USD 5,000 or
KHR 100,000 - KHR 20 million

 1.4% - 1.5% 6 - 60

> USD 5,000 – USD 10,000 or
> KHR 20 million – KHR 40 million

 1.3% - 1.5% 6 - 66

> USD 10,000 – USD 20,000 or
> KHR 40 million – KHR 80 million

 1.25% - 1.5% 12 - 72

> USD 20,000 – USD 40,000 or
> KHR 80 million – KHR 160 million

 1.15% - 1.4% 12 - 84

> USD 40,000 – USD 70,000 or
> KHR 160 million – KHR 280 million

 1.05% - 1.3% 12 - 120

Principal Grace Period: Up to 06 Months
Repayment Method: Flexible Repayment Options

Conditions are subject to change, at the Bank’s sole discretion, without prior notice to customers.