Cambodian Home Loan for Foreigners

Are you looking to purchase a foreign home in Cambodia? Whether you’re a foreigner looking to invest in property or want to set down roots in this beautiful country, it’s important to understand the process of applying for a home loan. This article helps you know how to get a loan for a new or existing home in Cambodia. So whether you’re an experienced investor or a first-time buyer, read on for valuable tips and advice to make your process as smooth and stress-free as possible.


What is a Foreigner's Home Loan?

It is a loan a person or a couple takes to buy a house. The home is collateral for the loan, and the borrower is responsible for paying back the loan over some time, usually 15–30 years. Banks and other financial institutions typically they offer either fixed-rate or adjustable-rate. In Cambodia, home loans are available to both locals and foreigners. Foreigners may be able to get it through special programs, like the Foreigner’s Home Loan program from the Cambodia Development Bank. This program offers preferential interest rates and terms to foreigners purchasing property in Cambodia. Whether you’re a local or a foreigner, if you’re looking to buy a home in Cambodia, it can help make your dream a reality.

foreigner home loan

How can a foreigner get a mortgage?

When buying a home in Cambodia, a foreigner must get a home loan from a Cambodian bank. Getting it in Cambodia is relatively straightforward and can be completed in as little as two weeks. To qualify, foreigners will need to meet the following requirements: 

  • have a valid passport and visa 
  • have proof of employment 
  • have a minimum down payment of 20-30%.

Interest rates on home loans in Cambodia are typically between 4 and 6%. Loan terms can range from 1-30 years, depending on the borrower’s needs. Anyone looking to get a home loan in Cambodia should first speak to a few different banks to compare interest rates and terms. With some research, finding the best home loan for your needs is easy.


Foreigners' Home Loan Options

There are several different home loan options available to foreigners in Cambodia. While these loans’ exact terms and conditions may vary, they all share one common goal: to help you finance your home purchase.

One popular option for foreigners is a fixed-rate mortgage. With this type of loan, you know exactly how much you’ll have to pay each month because the interest rate stays the same for the whole loan. It can make budgeting for your new home much more accessible. Additionally, a fixed-rate mortgage usually has a lower interest rate than other types of loans, which helps those looking to save money.

Another option available to foreigners is the adjustable-rate mortgage. This type of loan has an interest rate that can fluctuate over time based on economic conditions. While this means that your monthly payments could go up or down, it also means that you may be able to get low-interest rates if they fall during the life of your loan.

No matter which type of home loan you choose, you should do your research and look at what different lenders offer before making a decision. By shopping around, you’re more likely to find the best loan for your needs and save money in the long run.


Is a Credit History Required for a Foreigner's Home Loan?

One of the most important questions for foreigners who want to buy a home in Cambodia is whether or not they need a credit history to get a home loan. When it comes to homeownership, there are a few things that are important to consider.

First, it’s important to consider what kind of home loan you want. If you want to borrow money for a house from a Cambodian bank, you will need to have a good credit history. However, you can get a home loan without a credit history if you are willing to work with a foreign bank or financial institution. Foreign banks and lenders are often more willing to take on more risk regarding home loans.

The loan amount is another factor to consider. You can get a foreigner’s home loan without a credit history for a small loan. However, if you are hoping to borrow a large sum of money, you will need a good credit history to be approved for a loan.

Lastly, it is also important to consider your employment status when getting a home loan in Cambodia. If you are employed and have a steady income, it is likely easier to get approved for a home loan than someone who is unemployed or has an unstable income. It is because lenders want to see that you can repay the loan.

So, do you need a credit history to obtain a home loan in Cambodia? It depends on a variety of factors. However, if you are willing to work with a foreign bank or lender and can show that you can repay the loan, it is possible to get a home loan without a credit history.


Kinds of Properties Eligible with a Foreigner's Home Loan

Regarding home loans in Cambodia, there are a few different options available to foreigners. The standard home loan is the most common choice when purchasing any property. However, home loans are an option for condo units and investment properties. A foreign home loan can be a great option for those looking to buy a condo. These loans typically have lower interest rates and offer more flexible repayment terms. 

Whatever your property purchase goals, a home loan option is available to help you reach them. Home loans made just for investment properties can give investors access to money they wouldn’t have otherwise. These loans often come with higher interest rates and stricter repayment terms. Still, they can be a valuable tool for those looking to build a portfolio of investment properties in Cambodia. You can make your property dreams a reality in Cambodia with the right home loan.


Things a Foreigner Should Know Before Buying Property in Cambodia

Cambodia is an increasingly popular destination for foreign home buyers, and for good reason. There are many lovely places to live in the country, from beachfront villas to apartments in the city, and the prices are usually reasonable. However, there are a few things potential home buyers should remember before applying for a home loan in Cambodia.

First and foremost, it’s important to be aware of the different loan options available. Both local and foreign home loans are available in Cambodia, each with its own terms and conditions. It’s important to compare the different loan options to find the one that fits your needs and budget the best.

Second, you should know the risks of borrowing money from a foreign institution. Foreign currency fluctuations can cause the value of your loan to change, making it more challenging to repay. Make sure you understand the risks involved before signing any loan agreement.

Thirdly, research the Cambodian property market before buying any property. The market is still relatively new, and prices can fluctuate rapidly. It’s important to get an experienced real estate agent who knows the market well and can help you find the best property at the right price.

Remember, you can make buying a property with a foreign home loan in Cambodia much smoother and less stressful.



Cambodia is a great place to get a home loan. If you want to get it for your home, we can help connect you with the best lenders in the country. Our team of experts knows a lot about the Cambodian housing market and can help you with every step to get a property with the best interest rate on your loan. Contact us today to learn more and get started on your journey to homeownership.

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One thought on “Cambodian Home Loan for Foreigners”


    I need loan to start do business real estate in Phnom Penh city of cambodia and trading binary income monthly


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