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.

Loan AmountRate (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 area
  • 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)