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ចូលគណនីចុះឈ្មោះបញ្ចូលអចលនទ្រព្យថ្មី

THE RIGHT HOME LOAN FOR YOU

in just simple 5 steps
  • 1What Loan are you looking for?
  • 2In what location are you looking to buy?
  • 3How much are you looking to spend?
  • 4How much are you looking to borrow?
  • 5Tell us a bit about yourself
  • =We’ll take care of the rest for you!
Realestate.com.kh
Realestate.com.kh

Find the best financing partner with Realestate.com.kh

Whether you are looking to buy your first Home or vehicle, for most people these investments are some of the most significant in your lifetime. Take the next step in your life journey by finding a finance partner that can support you in your investments, now and into the future.

Choose the loan type that best suits you

Home Loan

We are here to equip you with accurate and useful information to help you make better objective decisions. We have access to a network of lenders who can work with you to get that perfect loan.

Business Loan

Whether it’s the addition of another bedroom for your growing family, getting that dream swimming pool you’ve always wanted or simply an updated kitchen, its important that you are well aware of your total costs and budget accordingly.

Personal Loan

We’ll help you by sending the details of your situation to various lenders and collect vital information from them so that you can compare home loans from a range of available products by Cambodia’s leading lenders and lending institutions.

Car & Moto Loan

Looking for a new car or moto, but short of cash? Maybe you are upgrading your current car to accommodate a growing family? Or maybe it is time to buy that dream car or moto? Our lenders can help make your vehicle dreams come true.

Home Loan Refinancing

A pipe may have burst and needs repair, an urgent matter may have forced you to travel out of town, or maybe you’re expecting a beautiful baby soon.

Credit Card

A pipe may have burst and needs repair, an urgent matter may have forced you to travel out of town, or maybe you’re expecting a beautiful baby soon.

Looking for a different loan type?

Not a problem, we’re here to help you finding the right loan type and partner for you. Simply click on the button below to submit your requirements and we’ll do our best to assist you.

Frequently asked questions

Home Loan
Can I get a mortgage where I pay less than I’m paying now?
There are numerous lenders in Cambodia who are able to offer flexible refinancing terms. We can serve as a bridge between you and our partners so that they can explain your options, depending on your current interest rate, loan type, and desired loan features.
Can my debts be consolidated into a home loan?
Yes, they can. And what that does is allow you to pay lower mortgage interest compared to other forms of debt like credit cards and personal loans. However, maintaining your repayments is vital should you wish to avoid shelling out more cash for a longer duration. Contact us today and let us know what you need. We’ll make sure to point you to the right direction and connect you with the right people.
How much money can I borrow?
Depending on your financial status and capabilities, different lenders will be able to provide you with different loan packages. Use any of our tools to get an idea of what different loan types will work best for you. Once you’re satisfied, get in touch with us so we can quickly connect you to our partners who can help with calculating the costs and offering great loan terms.
Which loan is right for me?
We have a wide range of people in our network who offer various loans. You can contact us and we’ll get you in touch with various lenders with loan packages customized for your needs. You can then use our tools to narrow down which ones will work for you.
Do I make home loan repayments monthly, weekly, or fortnightly?
Repayments made weekly or fortnightly will allow you to make more payments in a year. This will reduce the amount and time you have to pay for your loan. Most lenders will be able to offer repayment terms that line up to your desired pay cycle.
How much is it going to cost to switch mortgages?
One of the first things you need to pay off is a penalty fee, if applicable to your current mortgage. But repayment savings may be offset if you’re looking to refinance and switch to another mortgage. We’ll be able to connect you to a lender who can walk you through your options when you switch
Personal Loan
How much is my borrowing limit?
Depending on how much you earn and your ability to finance your dream home through a loan, borrowing limits can vary per person. Before applying for a loan though, you can use one of our tools to check how much you need to prepare first. Or we can also connect you to our network of lenders who are more than willing to personalize a loan package for you.
How do I choose the loan that’s right for me?
Visit our loan classifications guide to get more information on what types of loans are available in Cambodia. There are literally hundreds to choose from. If that doesn’t cover your concerns, we’re more than happy to help you get in touch with the right lenders to give you a detailed explanation.
How much do I need for a deposit?
In Cambodia, you normally have to pay a 10% deposit after you’ve done your due diligence. Get a hold of us now and we’ll make sure to connect you with someone who can discuss the process and prices, along with your borrowing options!
Regular repayments cost how much?
Variations in loan terms and rates affect how much repayments you make. Reach out to us today and we’ll quickly connect you to a range of partner lenders offering customized repayment packages, depending on your needs.
How often are home loan repayments usually made?
Lenders can be flexible regarding the frequency of repayment. But it’s advisable to take a loan that allows for a fortnightly or weekly payment because this reduces the time you have to pay back the loan and the amount you have to pay back.
Is there a special loan for first home buyers?
Unfortunately, Cambodia currently does not offer any special grants or loans for first home buyers. However, there is a wide range of loans available that our partner lenders can customize for your personal needs. Just drop us a message and we’ll connect you to the best lenders in the country.
What fees are associated with my purchase?

There are a number of fees involved when buying a property. To avoid any surprises, the list below sets out all of the usual costs:

  • Transfer Tax — Levied at 4% on the property’s assessed value. This is usually based on factors such as the land dimension, the land location, and the purpose of use.
  • Legal fees — Legal fees are usually at 0.20% to 0.50% of the total sales price. These usually include legal advice, property checks, and legal processing.
  • Property Tax — This tax is applicable for immovable properties which are priced $25,000 and above. It is collected yearly at 0.1% of the property.
  • Title Verification — Checking for potential liens or encumbrances under a title will cost you around $12.50, according to Prakas 995 which is dated December 28th, 2012.
  • Loan Processing Fee — Lenders will charge appropriate fees to cover the charges incurred for valuation and processing of the loan.
  • Application For Registration — Done at the District Land Office of the Ministry of Land Management, Urban Planning & Construction, you must pay a cadastral transfer fee of KHR 600,000 in order to insert the name of the new owner on the legal documents.
  • Property Insurance — Although not required, getting additional insurance for the property will help you safeguard your investment towards the property just in case calamity strikes or something suddenly goes wrong.
  • Ongoing costs — This includes maintenance fees, repair costs, and bills such as internet, electricity, and water. Also prepare for any future renovations you may want if you’re going to purchase the property.
Home Loan Refinancing
Can I get a mortgage where I pay less than I’m paying now?
There are numerous lenders in Cambodia who are able to offer flexible refinancing terms. We can serve as a bridge between you and our partners so that they can explain your options, depending on your current interest rate, loan type, and desired loan features.
Can my debts be consolidated into a home loan?
Yes, they can. And what that does is allow you to pay lower mortgage interest compared to other forms of debt like credit cards and personal loans. However, maintaining your repayments is vital should you wish to avoid shelling out more cash for a longer duration. Contact us today and let us know what you need. We’ll make sure to point you to the right direction and connect you with the right people.
How much money can I borrow?
Depending on your financial status and capabilities, different lenders will be able to provide you with different loan packages. Use any of our tools to get an idea of what different loan types will work best for you. Once you’re satisfied, get in touch with us so we can quickly connect you to our partners who can help with calculating the costs and offering great loan terms.
Which loan is right for me?
We have a wide range of people in our network who offer various loans. You can contact us and we’ll get you in touch with various lenders with loan packages customized for your needs. You can then use our tools to narrow down which ones will work for you.
Do I make home loan repayments monthly, weekly, or fortnightly?
Repayments made weekly or fortnightly will allow you to make more payments in a year. This will reduce the amount and time you have to pay for your loan. Most lenders will be able to offer repayment terms that line up to your desired pay cycle.
How much is it going to cost to switch mortgages?
One of the first things you need to pay off is a penalty fee, if applicable to your current mortgage. But repayment savings may be offset if you’re looking to refinance and switch to another mortgage. We’ll be able to connect you to a lender who can walk you through your options when you switch.