FEATURES & BENEFITS:

• Up to 80% of Property Value*
• Up to 25 years installment
• Promotion period will start 01 July till 31 December 2018
• 3rd party guarantee is acceptable
• No renewal fee
• Fast and hassle-free application
• Internet banking facility available
• M2U Application available
• Free Standing Instruction for loan Installment  

LOAN PURPOSE:

• Purchase property(.ies) for owner occupied or investment
• Property construction for residential or owner occupied
• Refinancing existing housing loan
• Re-mortgage existing property(.ies) for purchase another property for owner occupied or Investment

WHO CAN APPLY

• Individual (Cambodian nationality only)/ or foreigner whose spouse is Cambodian.
• Joint applicants up to maximum of 6 people who are direct family member.
• Borrower age must between 18 to 65 during loan period

REQUIREMENTS FOR APPLICATION ASSESSMENT:

Identity documents:
• National Identification Card (NID) or Passport
• Family Book, Residential Book, Marriage Certification, Birth Certificate or any valid document certified by local authority

Proof of loan purpose:
• Purchase property - Sale & purchase agreement of the property (if applicable).
• Refinancing - existing facility agreement and proof of repayment/installment
• Construction – construction plan or construction permission
• Copy of property ownership document
• Other document (as per required to support loan purpose)

Income evidences:
• Salary earner
  • Employment contract, employment confirmation or appointment letter
  • Last 3 to 6 months pay-slips, bank statement and/or other relevant documents

• Business owner
  • Proof of existing business >3 years
  • Valid business registration prior to loan release
  • Last 2 years Profit and Loss statement (please discuss with our BRE on requirement)
  • Banking statement or passbook (optional when applicable)
  • Other verification document (e.g. sales invoice, purchase invoice or any valid proof)

• Property rental
  • Proof of property ownership
  • Valid leasing contract or rental agreement
  • Pay-check (when applicable)

Conditions Applied Before Loan Release:
• Original Letter of Offer and Lending Agreement signed
• Submission of valid Property Valuation Report
• Purchase of Fire Insurance Policy
• Purchase of Personal Accident Policy (optional)
• Execution on charged of Security Property (Hard title deed only)

* Terms & Condition of Maybank (Cambodia) Plc. for Housing Loan apply