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Loan Cambodia ២០២៦: Bank loan rates (12-16% p.a.) ទាបជាង MFI rates (18-26% p.a.) — ភាពខុសគ្នានេះ significant ។ Company registration ទទួលបាន bank rate ។ FD-backed loan ជា option ល្បបំផុត — net cost ~1% p.a. ។ Home loan: ABA Bank rate ល្ប ពី 8% p.a., term 25 years, hard title required ។ Personal loan: salary-backed 3-6 months salary maximum ។ MoneyKH advice: formal registration saves $1,800-$3,000 per $10,000 loan over 3 years ។
🇰🇭 Loan · ធនាគារ · MFI · Home Loan · SME · Personal · Cambodia · ២០២៦
មគ្គុទ្ទេសក៍ Loan Cambodia ២០២៦ — ធនាគារ vs MFI + ប្រភេទ Loan ទាំងអស់
Loan Cambodia — ប្រភេទ options ច្រើន ។ Guide នេះ compare rates, requirements, និង strategy ល្ប ។ MoneyKH Research Team VerifyLoan data ។
⭐ Home loan rate ល្ប: ABA Bank 8% p.a.
⭐ SME loan: 12-16% (registered company)
⚠️ MFI rate: 18-26% — expensive, avoid if possible
Loan ប្រភេទ — Rate ប្រៀបធៀប
| ប្រភេទ Loan | Rate p.a. | Collateral | Max Amount | ល្ប Lender |
|---|---|---|---|---|
| 🏆 FD-Backed Loan | ~1% net ⭐ | Your FD | 90% of FD | ABA · Canadia |
| Home Loan | 8-12% | Hard title | 70% LTV | ABA · ACLEDA |
| SME Business Loan | 12-16% | Property/FD | Varies | ABA · ACLEDA · Canadia |
| Personal Loan (salary) | 14-20% | Salary | 3-6x salary | ABA · ACLEDA |
| MFI Group Loan | 18-26% | Group guarantee | $500-5,000 | Prasac · AMK · LOLC |
| Credit Card Revolving | 24%+ | None | Credit limit | ABA · Various |
FD-Backed Loan — Option ល្បបំផុត Cambodia
💡 FD-Backed Loan ជាអ្វី?
Pledge fixed deposit របស់អ្នក ជា collateral ។ Bank lend ~90% of FD value ។ Net cost: loan rate minus FD interest = ~1% p.a. only ។
ឧទាហរណ៍:
FD $5,000 @ Canadia 3.70% p.a. → Earn: $185/year interest
Borrow $4,500 @ ~4.70% → Pay: $212/year interest
Net cost: $212 – $185 = ~$27/year only !
No hard title needed ។ No salary proof needed ។
SME Loan — ហេតុអ្វីចុះឈ្មោះ Company?
❌ MFI loan (informal)
18-26% p.a.
$10,000 × 3 years = $3,000-4,500+ interest
✅ Bank SME loan (registered)
12-16% p.a.
$10,000 × 3 years = $1,800-2,400 interest
MoneyKH Calculation
Company registration cost: $220-500 ។ Save on first $10,000 loan: $1,800-$3,000 ។ Registration pays for itself in first loan ។ Month 6+: apply SME loan ។
Home Loan — ABA Bank Rate ល្ប
| Lender | Rate | Max Term | LTV | Notes |
|---|---|---|---|---|
| 🏆 ABA Bank | ពី 8% | 25 years ⭐ | 70% | Rate ល្ប, Term ដែម |
| ACLEDA Bank | ពី 9% | 20 years | 70% | Provincial · SME |
| Canadia Bank | ពី 9% | 20 years | 70% | Real estate ខ្លាំង |
⚠️ Home Loan Requirements
Hard title required — bank ទាំងអស់ refuse soft title ។ Down payment minimum: 30% ។ Budget extra 5-7%: transfer tax 4%, bank fee, valuation ។
សំណួរ-ចម្លើយ (FAQ)
Loan Cambodia ដោយគ្មាន land title?
Option ល្ប: FD-backed loan (~1% net) ។ Personal salary loan: 3-6x salary ។ MFI group loan: 18-26% ។ Register company → SME loan 12-16% ។ FD-backed = cheapest option without land ។
SME loan apply — ត្រូវ wait ប៉ុន្មាន?
Bank require 3-6 months corporate bank statement history ។ Register company → open ABA Bank corporate account → route income through Day 1 → apply Month 6+ ។
MFI vs Bank — ជ្រើសណា?
Bank ល្ប ប្រសិន: registered company, hard title collateral, salary income ។ MFI ល្ប ប្រសិន: rural, no title, small amount $500-5,000, urgent ។ Difference $10,000 over 3 years: $1,800-3,000 ។
ជនបរទេស loan Cambodia?
Possible but harder ។ FD-backed loan: available (pledge your own FD) ░ Personal loan: limited ░ Home loan for foreigners: strata-title condo, Maybank Cambodia more foreigner-friendly ░ Business loan: registered company + 6 months statements ░
MoneyKH Summary — Loan Guide ២០២៦
FD-Backed ~1% · Home 8% ABA · SME 12-16% · Avoid MFI if possible
ការចុះឈ្មោះ company ផ្លូវការ → bank loan rate 12-16% → save $1,800-3,000 vs MFI ។ Registration cost $220-500 → recover ក្នុង loan ដំបូង ។
MoneyKH Research Team · មិថុនា ២០២៦ · Disclaimer →
The MoneyKH Research Team comprises independent financial researchers, market analysts, and editorial professionals with direct on-ground knowledge of Cambodia’s banking, fintech, and financial services sector. All rates, fees, and product data published on MoneyKH are verified directly with each institution before publication. MoneyKH operates as an editorially independent platform with no affiliate partnerships — see our editorial policy for full disclosure.
