Last Updated: April 2026 ·
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· By MoneyKH Research Team
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Cambodia home loan guide 2026: Home loans in Cambodia are available from all major commercial banks with rates ranging from 8–12% per annum for well-collateralised borrowers — significantly below personal loan rates because the property itself serves as security. ABA Bank, ACLEDA Bank, and Canadia Bank are the three primary mortgage lenders for Cambodian nationals. Foreigners face a critical legal constraint: Cambodia’s constitution prohibits foreign land ownership, which means foreigners can only legally purchase strata-title condominium units — not land, boreys (gated housing developments), or shophouses. The nominee structure — putting Cambodian land in a local’s name on behalf of a foreigner — is illegal, carries severe legal risk, and MoneyKH explicitly advises against it. This guide covers every lender, every property type, the legal framework for foreigners, and the honest picture of what a property purchase in Cambodia actually costs end to end in 2026.
🇰🇭 Cambodia Home Loan · Mortgage · ABA · ACLEDA · Canadia · Foreigner Rules · Borey vs Condo · 2026
Cambodia Home Loan & Mortgage Guide 2026: Rates, Lenders & Foreign Buyer Rules
Buying property in Cambodia involves layers of legal, financial, and practical complexity that no single source has previously covered comprehensively in English. This guide covers every dimension: the foreign ownership rules that no real estate agent will explain clearly, the lender comparison, the true all-in cost of purchasing, and the property title distinctions that determine whether your bank will even lend against the property you are considering buying.
⭐ Best mortgage rate: ABA Bank — from 8% p.a. (property-secured)
⭐ Best for large loans: ACLEDA / Canadia / Maybank
⚠️ Foreigners: Condo (strata title) only — no land ownership
🚫 Nominee structure: Illegal. Do not do it.
⚡ Jump to Section:
8%
Starting mortgage rate p.a. at ABA Bank for property-secured home loans. Significantly below personal loan rates.
25 yrs
Maximum mortgage term available at some Cambodian lenders — making home ownership affordable on modest incomes.
❌
Foreign land ownership: prohibited under Cambodia’s constitution. Foreigners may only own strata-title condominiums.
70%
Maximum foreign ownership share of any single condominium building — 70% foreign, 30% minimum Cambodian.
4–6%
Total transaction costs as % of property price — transfer tax, stamp duty, registration fees. Budget this on top of the purchase price.
⚡ MoneyKH Quick Reference — Cambodia Home Loans 2026
- ABA Bank — From 8% p.a. · Up to 25 years · Up to 70% LTV · Best for salaried buyers
- ACLEDA Bank — From 9% p.a. · Up to 20 years · Best for provincial property and civil servants
- Canadia Bank — Competitive rates · Property-financing strength · FD-holders get best terms
- Maybank Cambodia — ASEAN property finance · Best for expat and foreign buyer condo loans
- Foreign ownership rules — What foreigners can and cannot own. The nominee structure is illegal.
- Hard title vs soft title — Banks will only lend against hard titles. This is non-negotiable.
- True purchase cost — Transfer tax, stamp duty, agent fees, legal fees — the full picture.
- All Cambodia Loans 2026 →
Foreign Property Ownership in Cambodia — The Legal Framework
This is the most important section of this guide for any non-Cambodian reader. The rules on foreign property ownership in Cambodia are established by the Constitution and the Land Law — not by practice, not by what real estate agents tell you, and not by what has worked for others in the past. MoneyKH states them plainly. For broader context on Cambodia’s regulatory and financial environment, see our Cambodia Fintech Landscape 2026 guide →
The Fundamental Rule: Foreigners Cannot Own Land in Cambodia
Article 44 of Cambodia’s Constitution states that only Cambodian citizens have the right to own land. This is not a technicality or a policy preference — it is a constitutional provision. Foreign nationals, foreign-owned companies, and foreign permanent residents cannot hold land title in Cambodia. Any transaction structured to give a foreigner effective control of land — regardless of how it is documented — risks being legally unenforceable.
✅ What Foreigners CAN Legally Own:
- Strata-title condominium units — legally purchasable by foreigners under the 2010 Foreign Ownership Law
- Maximum 70% foreign ownership per building
- Unit must be on or above the ground floor (ground floor foreign ownership not permitted)
- Long-term lease — up to 50 years with option to renew (leasehold, not freehold)
❌ What Foreigners CANNOT Legally Own:
- Land (any type — hard title, soft title, agricultural)
- Borey (gated community housing with land title)
- Shophouses with land title
- Village houses with land
- Any property where the title is a land certificate
The Nominee Structure — Why MoneyKH Advises Strongly Against It
The “nominee structure” — where a foreign buyer pays for land but puts the title in a Cambodian national’s name — is a common practice that MoneyKH explicitly advises against. Here is why:
Why the Nominee Structure Is Dangerous
- Legally invalid: The arrangement is designed to circumvent constitutional law. Cambodian courts will not enforce a nominee agreement that violates the Constitution
- Title risk: The Cambodian nominee is the legal owner. They can sell the property, mortgage it, leave it to heirs, or simply refuse to recognise the foreigner’s claim
- No legal recourse: If the nominee sells “your” property, you cannot sue to recover it under Cambodian law because you were never the legal owner
- Enforcement risk: Cambodian authorities have the power to void nominee structures if discovered
- Relationship risk: Nominees are often friends or family — disputes can destroy both
✅ Legal Alternatives for Foreigners
- Buy a strata-title condo — the cleanest legal pathway. Full foreign ownership rights. Financeable by Cambodian banks. Requires an ABA or Canadia account to qualify for bank finance.
- Long-term lease (50 years) — registered lease with option to renew. Legally sound. Some banks will finance against a long-term registered lease.
- Cambodian-majority company — a company with 51%+ Cambodian shareholding can own land. The foreign shareholder holds 49%. This is legal but has its own complexities and requires proper legal structuring.
- Marry a Cambodian citizen — jointly owned property with a Cambodian spouse is legally possible but has its own legal considerations on dissolution or death.
Property Types in Cambodia — What Each Means for Financing
Cambodia’s property market has multiple distinct property types — each with different ownership structures, title types, and implications for mortgage availability. Understanding this before approaching any lender is essential because banks will refuse to finance against certain property types regardless of the purchase price.
🏘️
Borey
Cambodians only · Mortgageable
Gated community developments with individual land titles (hard title) and attached houses. Cambodia’s fastest-growing residential sector. Banks readily mortgage boreys with hard title. Foreigners cannot own. Prices: $50,000–$500,000+.
🏢
Condominium
Foreigners ✅ · Strata title
Strata-title apartment units. Foreigners can own up to 70% of any building. Foreign quota varies per project — check availability before purchasing. Mortgageable by most banks for both Cambodians and foreigners. Prices: $40,000–$500,000+ in Phnom Penh.
🏪
Shophouse
Cambodians only · Land title
Multi-storey linked houses typically used as combined shop and residence. Has a hard land title — mortgageable for Cambodians. Foreigners cannot own. Common investment property. Prices vary significantly by location.
🌾
Land / Villa
Cambodians only · Hard title
Standalone land plots and villas. Hard title required for mortgage. Foreigners cannot own. Banks most willing to lend against hard-titled residential land in urban/peri-urban areas. Agricultural land attracts tighter lending criteria.
Hard Title vs Soft Title — The Most Critical Distinction for Mortgages
No major Cambodian commercial bank will issue a mortgage against a soft-title property. This is a non-negotiable position held by ABA Bank, ACLEDA Bank, Canadia Bank, and every other NBC-licensed commercial bank. If the property you are considering does not have a hard title — a cadastral certificate issued by the Ministry of Land Management — you cannot get a commercial bank mortgage against it. Period.
✅ Hard Title (Cadastral Certificate)
- Issued by the Ministry of Land Management, Urban Planning and Construction
- Also called: LMAP title, cadastral title, “blue title”
- Legally the strongest form of land ownership in Cambodia
- Accepted by all major commercial banks as mortgage collateral
- Can be transferred (sold), mortgaged, and inherited
- GPS-surveyed boundaries — disputes are rare
- Recognised by all Cambodian courts
❌ Soft Title (Possessory Title)
- Village chief letter, commune chief confirmation, or administrative title
- Not issued by national land ministry — local administrative recognition only
- NOT accepted by commercial banks as mortgage collateral
- Boundaries may be disputed — no GPS survey
- Can be converted to hard title — see below
- Only MFIs accept soft title as collateral, at higher rates and larger discounts — see our microfinance guide →
- Carries risk of title dispute if neighbouring claimants exist
Converting Soft Title to Hard Title — Timeline and Cost
If a property you want to buy has only a soft title, it can be converted to a hard title through the cadastral registration process. Cost: Approximately 1–5% of land value depending on province and plot size. Time: 6–18 months depending on province backlog and whether boundaries are disputed. Process: Apply at the district cadastral office; a surveyor will visit to measure boundaries; if no disputes arise, the hard title is issued. In many cases, buyers negotiate with sellers to complete the hard title conversion before purchase is finalised — or the price is reduced to account for the conversion cost the buyer will bear.
Cambodia Home Loan Lender Comparison 2026
| Lender | Rate (p.a.) | Max Term | Max LTV | Foreign Buyer? | Min. Income | Strength |
|---|---|---|---|---|---|---|
| 🏆 ABA Bank | 8–12% ⭐ | 25 years ⭐ | 70% | Condo only | Verified income | Best rate · Longest term · Digital process |
| ACLEDA Bank | 9–13% | 20 years | 70% | Limited | Verified income | Provincial property · Civil servants · 250+ branches |
| Canadia Bank | 9–13% | 20 years | 70% | Case-by-case | Verified income | FD-holders · Established real estate relationships |
| Maybank Cambodia | 9–14% | 20 years | 65% | ✅ Most accessible ⭐ | Higher threshold | Expat/foreign buyer · ASEAN property finance expertise |
| Hattha Bank | 9–14% | 20 years | 65% | Limited | Verified income | Former MFI · Mass market · Affordable housing focus |
| Sathapana Bank | 10–15% | 15 years | 60% | Limited | Verified income | Lower-income buyers · Affordable borey projects |
| Developer Finance ⚠️ | 10–18% | 5–10 years | 80–90% | Sometimes | Varies | Easier approval · Higher rate · Shorter term · Developer default risk |
LTV = Loan-to-Value ratio. Rates verified April 2026 via direct inquiry. Your individual rate depends on income verification, property valuation, and LTV. ⚠️ Developer finance carries additional risk if the developer fails — a bank loan gives you a clean title-backed mortgage regardless of developer status.
⚠️ Why MoneyKH Recommends Bank Finance Over Developer Finance
Developer finance — where the property developer provides instalment payment terms directly — is common in Cambodia’s off-plan and borey markets. It is easier to access (no bank credit check) but carries significant risks: higher interest rates (10–18%), shorter terms (5–10 years), and most critically — if the developer faces financial difficulties, your contractual rights over an off-plan property are harder to enforce than a bank mortgage against a hard-title completed property. MoneyKH’s default recommendation: use bank finance wherever possible. It costs less over the loan term and gives you cleaner legal protection. For the full lending landscape context, see our Best Personal Loans in Cambodia 2026 guide →
ABA Bank Home Loan 2026 — Cambodia’s Best Mortgage Rate
ABA Bank offers Cambodia’s most competitive home loan product for salaried buyers with verified income and a property with a hard title. The combination of the lowest starting rate (from 8% per annum), Cambodia’s longest available mortgage term (up to 25 years), and a digitally assisted application process makes ABA the first lender to approach for any urban property purchase. ABA’s high savings rates — detailed in our Cambodia savings rates guide — mean your down payment accumulates faster sitting in ABA than almost anywhere else while you prepare.
✅ ABA Bank Home Loan — Key Terms
- Rate: 8–12% p.a. (reducing balance) — lowest available
- Maximum term: 25 years — longest in Cambodia
- Maximum LTV: 70% of assessed value (30% down payment required)
- Currency: USD (primary), KHR available
- Processing fee: 0.5–1% of loan amount
- Valuation: Bank appoints surveyor — cost borne by borrower ($200–$500)
- Insurance: Property insurance required throughout loan term
- Early repayment: Penalty may apply — confirm before signing
- Application: ABA Mobile + branch for documentation
📊 ABA Home Loan — Monthly Payment Examples
| Loan Amount | Rate | Term | Monthly |
|---|---|---|---|
| $30,000 | 9% | 15 yr | ~$304 |
| $60,000 | 10% | 20 yr | ~$579 |
| $100,000 | 10% | 25 yr | ~$908 |
| $200,000 | 11% | 25 yr | ~$1,960 |
Figures approximate — reducing balance. Actual rate depends on your profile.
ACLEDA Bank Home Loan 2026
ACLEDA Bank’s mortgage product is the natural choice for provincial property purchases and for civil servants or government employees whose income comes from government payroll. ACLEDA’s 250+ branch presence means it has on-the-ground valuation relationships in provinces where ABA Bank’s presence is thinner — a practical advantage for rural land and provincial town property purchases.
✅ ACLEDA Mortgage — Key Strengths
- 250+ branches — provincial property expertise
- Civil servant and government salary advance products integrated
- Agricultural land mortgage available (hard title required)
- Rate from 9% p.a. — competitive for provincial borrowers
- 20-year maximum term
- Local valuer relationships in all provinces
- SME business owners: see also ACLEDA SME loan rates →
⚠️ ACLEDA Mortgage — Limitations
- Starting rate (9%) slightly above ABA (8%)
- Maximum term (20 years) shorter than ABA (25 years)
- Less developed digital mortgage application process than ABA
- Foreign buyer access limited
Canadia Bank Property Loan 2026
Canadia Bank has deep relationships with Cambodia’s real estate sector — built over its 30+ year history as one of Cambodia’s oldest private banks. Its property finance product is particularly well-suited for buyers who already hold fixed deposits at Canadia Bank, since pledging an existing FD alongside the property collateral unlocks better terms and sometimes higher LTV ratios than the standard mortgage product alone.
Canadia Bank: The FD-Secured Mortgage Strategy
If you hold a Canadia Bank fixed deposit: pledge it as additional collateral alongside the property title when applying for a Canadia mortgage. This dual-collateral approach gives the bank greater security, potentially unlocking a lower rate (closer to 9% vs the higher end of their range) and higher LTV. The FD continues earning interest during the mortgage term — effectively reducing your net borrowing cost further. Canadia’s fixed deposit rates (among Cambodia’s highest at 6–6.5% p.a. for 12–24 month terms) are detailed in our Cambodia savings rates guide → This strategy is unique to borrowers who already bank with Canadia and is a meaningful advantage over ABA or ACLEDA for those who do.
The True Cost of Buying Property in Cambodia — All Fees Itemised
The purchase price is never the total cost of buying property in Cambodia. Buyers who budget only for the listed price routinely find themselves short of cash at the transaction stage. The table below itemises every standard cost associated with a Cambodian property purchase.
| Cost Item | Rate / Amount | Who Pays | Notes |
|---|---|---|---|
| Transaction Taxes & Government Fees | |||
| Transfer tax | 4% of registered value | Buyer typically | Paid to GDT on registration of title transfer. Largest single transaction cost. |
| Stamp duty | 0.1% of contract value | Buyer | On the sale contract. Small but mandatory. |
| Title registration fee | $100–$500 | Buyer | Ministry of Land Management registration of new title in buyer’s name. |
| Bank Mortgage Costs | |||
| Mortgage processing fee | 0.5–1% of loan | Borrower | One-time upfront fee. On a $100,000 loan: $500–$1,000. |
| Property valuation fee | $200–$800 | Borrower | Bank appoints its own valuer. Higher for larger or unusual properties. |
| Property insurance (annual) | 0.1–0.3% of value/yr | Borrower | Required by bank throughout mortgage term. Annual premium, renewable. See our insurance guide → |
| Professional & Agent Fees | |||
| Real estate agent commission | 2–3% of price | Buyer or seller | Negotiable. Some transactions are direct without agent involvement. |
| Legal / notary fees | $500–$3,000 | Buyer | For complex or high-value transactions. Essential for foreigners buying condos. |
| TOTAL ADDITIONAL COSTS (est.) | 4–7% of price | Buyer | Budget 5% above the listed price as a minimum for all transaction costs. |
Real Example: Total Cost of a $100,000 Property Purchase
Listed price: $100,000. Down payment (30%): $30,000. Transfer tax (4%): $4,000. Stamp duty: $100. Title registration: $300. Mortgage processing fee (0.75%): $525. Property valuation: $400. Agent commission (2.5%): $2,500. Legal fees: $800. Property insurance (first year, 0.2%): $200. Total cash required at settlement: approximately $38,825 — not $30,000. The transaction costs add nearly $9,000 above the down payment. Budget accordingly. For maximising the return on your down payment savings while you accumulate, see our Cambodia savings rates guide →
Home Loan Application Guide — Step by Step
Phase 1: Before You Approach a Bank
- Verify the property title — confirm hard title exists. Ask the seller for the original certificate and verify at the district cadastral office.
- Check the property’s cadastral boundaries — ensure the hard title matches the physical plot. Boundary disputes are common.
- Get an independent valuation estimate — know what the bank’s valuer is likely to assess before you commit to a price.
- Calculate your maximum loan — 70% LTV of expected valuation = maximum loan. 30%+ must come from savings.
- Gather income documents — last 6 months payslips, bank statements, employment letter, and 12 months ABA/ACLEDA statements.
- Open a bank account if needed — see how to open a bank account in Cambodia →
- Run a CBC credit check — know your credit record before the bank does.
Phase 2: Bank Application Process
- Submit application with full document set — incomplete applications delay approval significantly.
- Bank appoints property valuer — you pay the valuation fee; the report is the bank’s, not yours.
- Credit committee review — 7–14 business days for standard home loans.
- Letter of offer issued — review all terms carefully, especially interest rate type, early repayment penalty, and insurance requirements.
- Sign loan agreement — at bank branch, with all parties present if joint purchase.
- Property mortgage registered — bank registers its lien against the title at MLMUPC. Title remains in your name but encumbered by the mortgage.
- Funds released to seller — typically directly from bank to seller’s account on the same day as title transfer.
Documents Required for a Home Loan
👤 Personal Documents
- National ID or passport
- Marriage certificate (if applicable)
- Household record (Cambodians)
- Work permit (foreigners)
- Proof of address
💼 Income Documents
- Last 6 months payslips
- Employment confirmation letter
- 12 months bank statements
- Business registration (if self-employed)
- 2 years financial statements (large loans)
🏠 Property Documents
- Original hard title certificate
- Sale & purchase agreement (draft)
- Property map/survey
- Strata title certificate (condos)
- Developer permits (new builds)
FAQ: Home Loans & Property in Cambodia 2026
Q: Can foreigners buy property in Cambodia?
Foreigners can legally own strata-title condominium units in Cambodia under the 2010 Foreign Ownership Law. They cannot own land, boreys (gated housing developments), shophouses, or any property with a land title. Up to 70 percent of any condominium building can be foreign-owned, with a minimum of 30 percent Cambodian ownership maintained. Foreigners can also hold long-term registered leases of up to 50 years with the option to renew. Any structure designed to circumvent the land ownership prohibition — such as putting land in a Cambodian national’s name on behalf of a foreigner — is legally invalid and carries significant risk of loss without legal recourse. To finance a condo purchase, foreigners will need a bank account — see our How to Open a Bank Account in Cambodia guide →
Q: What is the best home loan interest rate in Cambodia in 2026?
ABA Bank offers Cambodia’s lowest published home loan rate, starting from approximately 8 percent per annum for salaried borrowers with a hard-title property, verified income, and a loan-to-value ratio of 70 percent or below. The actual rate offered depends on the property type, the borrower’s income profile, the loan-to-value ratio, and the loan term. ACLEDA Bank and Canadia Bank start from approximately 9 percent per annum. Developer finance typically costs 10 to 18 percent per annum and is more expensive than bank mortgages at all equivalent terms.
Q: What is the difference between a hard title and soft title in Cambodia?
A hard title (cadastral certificate) is issued by Cambodia’s Ministry of Land Management, Urban Planning and Construction — it is the legally strongest form of land ownership, GPS-surveyed, nationally registered, and accepted by all commercial banks as mortgage collateral. A soft title (possessory title or village chief letter) is local administrative recognition of possession — it is not issued by the national land ministry, may have disputed boundaries, and is not accepted by commercial banks for mortgage purposes. All major Cambodian commercial banks — ABA Bank, ACLEDA Bank, Canadia Bank — require a hard title before they will provide a home loan. Soft-title properties may qualify for MFI lending — see our microfinance guide →
Q: What is the maximum home loan term in Cambodia?
ABA Bank offers the longest available home loan term in Cambodia at 25 years. ACLEDA Bank and Canadia Bank offer up to 20 years. Maybank Cambodia and Hattha Bank offer up to 20 years. A longer term significantly reduces monthly payments but increases total interest paid over the loan life. A $100,000 loan at 10 percent over 25 years costs approximately $908 per month and approximately $172,000 in total (loan plus interest). The same loan over 15 years costs approximately $1,075 per month but approximately $94,000 less in total interest.
Q: What is the minimum down payment for a home loan in Cambodia?
The standard maximum loan-to-value ratio at major Cambodian commercial banks is 70 percent, meaning a minimum 30 percent down payment is required based on the bank’s assessed value — not the purchase price. If the bank values the property at 90,000 USD but you paid 100,000 USD, the bank will lend 70 percent of 90,000 USD (63,000 USD), and you must fund the remaining 37,000 USD from your own savings. Always factor potential differences between purchase price and bank valuation into your cash planning. For maximising savings rate on your down payment while you accumulate, see our Cambodia savings rates guide →
Q: Can foreigners get a home loan in Cambodia?
Foreigners can get home loans in Cambodia for strata-title condominium units — the only property type they can legally own. Maybank Cambodia is the most accessible lender for foreign buyers due to its ASEAN-oriented property finance experience. ABA Bank will consider foreign buyer condo mortgages on a case-by-case basis. Requirements for foreigners typically include a valid work permit or long-term visa, verified employment and income in Cambodia, passport, and in some cases a Cambodian co-borrower or guarantor. Foreign buyers without Cambodian employment may have limited bank financing options and should consult with Maybank Cambodia directly. Opening a bank account is the first step — see our How to Open a Bank Account in Cambodia 2026 guide →
Q: What taxes do I pay when buying property in Cambodia?
The primary tax is the property transfer tax of 4 percent of the registered property value, paid to the General Department of Taxation on transfer of title. A stamp duty of 0.1 percent of the contract value also applies. In addition, buyers pay a title registration fee of approximately 100 to 500 USD at the Ministry of Land Management. Real estate agent commissions of 2 to 3 percent of the purchase price, bank mortgage processing fees of 0.5 to 1 percent of the loan amount, and property valuation fees of 200 to 800 USD add further to the total transaction cost. Budget approximately 5 to 7 percent above the listed property price to cover all transaction costs before moving in.
Q: What is a borey and can foreigners buy one?
A borey is a Cambodian gated community housing development — typically consisting of multiple linked houses or villas on individually titled plots within a walled compound with shared infrastructure. Boreys are Cambodia’s most popular residential property format among the Cambodian middle class and are sold with individual hard land titles, making them readily mortgageable at commercial banks. Foreigners cannot legally purchase borey units because they come with land titles, which foreign nationals cannot hold under Cambodia’s Constitution. For foreigners wanting standalone residential property in Cambodia, the legal options are strata-title condominiums (which can be purchased and mortgaged) or long-term registered leases.
Q: Is it safe to buy off-plan property in Cambodia?
Off-plan property — buying before or during construction — carries specific risks in Cambodia that are not present in completed property purchases. The primary risk is developer failure: if the developer encounters financial difficulty during construction, buyers may find their payments lost and the project incomplete. Cambodia lacks a comprehensive developer escrow or buyer protection framework equivalent to those in Singapore, Malaysia, or Thailand. MoneyKH’s position: if buying off-plan, prioritise developers with a completed project track record, avoid paying more than 20 percent of the purchase price before significant construction milestones are met, use bank finance rather than developer instalment plans wherever possible, and engage an independent lawyer before signing. The broader regulatory context for Cambodia’s financial sector is covered in our Cambodia Fintech Landscape 2026 guide →
Q: How long does home loan approval take in Cambodia?
ABA Bank typically processes home loan applications in 10 to 20 business days from complete document submission, including time for the bank’s property valuation. ACLEDA Bank and Canadia Bank take a similar timeframe. The property valuation step — where the bank appoints an independent surveyor to assess the property value — adds 5 to 10 business days to any timeline. Complex properties, disputed titles, or unusual locations can take significantly longer. Having all personal and property documents prepared before submission is the most effective way to avoid delays. The most common causes of delays are missing title documents, income verification gaps, and discrepancies between the purchase price and the bank’s valuation.
MoneyKH Summary — Cambodia Home Loans 2026
Hard title. Bank finance. Budget 5% for costs. Know the foreign ownership rules.
ABA Bank at 8% p.a. over 25 years is Cambodia’s best home loan for salaried buyers. ACLEDA Bank leads for provincial and civil servant buyers. Canadia Bank works best for existing FD holders. Foreigners: condo only, no land, no nominee structures. Hard title is non-negotiable for bank finance. Budget at minimum 5% above purchase price for all transaction costs. Developer finance costs more and carries more risk than bank mortgages — use banks where possible.
Lowest rate: ABA 8% ⭐ · Provincial: ACLEDA ⭐ · Foreign buyer: Maybank ⭐ · FD holders: Canadia ⭐
More MoneyKH: Cambodia Finance Guides
💳 Loans
- Best Personal Loans in Cambodia 2026 →
- SME Loans in Cambodia 2026 →
- Microfinance Loans in Cambodia 2026 →
🏦 Banking
- ABA Bank Review 2026 →
- Canadia Bank Review 2026 →
- ACLEDA Bank Review 2026 →
- Best Banks in Cambodia 2026 →
- Cambodia Savings Rates 2026 →
- How to Open a Bank Account in Cambodia →
🛡️ Insurance
Published by the MoneyKH Research Team. Last updated: April 2026. All mortgage rates and property law information verified April 2026. Property ownership rules referenced from Cambodia’s Constitution (Article 44) and the 2010 Law on Investment Amendment (foreign condo ownership). This guide does not constitute legal or financial advice — consult a qualified Cambodian lawyer before any property transaction. MoneyKH operates as an independent comparison platform with no affiliate partnerships — see our full 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.
