A Micro Consumption Loan is a loan granted to persons to spend on consumption and purchase consumer items without generating income, emergency expenditures, purchase various belongings for personal or family use. You can use our Micro Consumption Loan to enhance your lifestyle.
| 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 | 1.35% - 1.5% | 6 - 66 |
| > USD 10,000 – USD 20,000 or > KHR 40 million – KHR 80 million | 1.2% - 1.4% | 12 - 72 |
| > USD 20,000 – USD 40,000 or > KHR 80 million – KHR 160 million | 1.1% - 1.3% | 12 - 84 |
| > USD 40,000 – USD 70,000 or > KHR 160 million – KHR 280 million | 1.0% - 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.
Calculator
Result:
| Annual Interest Rate | Total Net Earned Interest | Total Deposit Amount | Total Amount at Maturity Date |
|---|---|---|---|
| 4.75% | 286.25 | 11,757.79 | 12,044.04 |
Payment schedule:
| No. | Earned Interest | Tax | Net Earned Interest | Monthly Deposit |
|---|---|---|---|---|
| 1 | 4.75% | 4.75% | 4.75% | 4.75% |
- Between 18 and 65 years old.
- Cambodians who are Self-employed/Salary workers and living in Phillip Bank’s operating areas
- A profile with no criminal record
- Running a legal, harmless business (not an environmentally or socially damaging business).
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)
