Compare mortgage rates from 21 commercial banks in Cambodia.
Headline rate, down payment, tenure and processing fee, side by side. Independently verified each month. Select the banks you want quotes from and request callbacks in one form.
Mortgages in Cambodia: how to read this table
Mortgage rates in Cambodia look simple, just a single percentage, but the headline number rarely tells the full story. Most banks advertise a promotional first-year rate that reverts to a higher floating rate from year 2 onwards. Down payment requirements range from 10% to 50% depending on the bank, your residency status, and whether the property has hard title (ប្លង់រឹង) or soft title. Processing fees are typically 0.5% to 1.0% of the loan amount and can be waived during promotions.
The table below shows the four data points that actually matter when comparing offers: headline rate, down payment required, maximum tenure, and processing fee. Sort by any column, tick the banks you want to talk to, and we'll route your callback request to each bank's mortgage team, usually a one-business-day response via Telegram.
Mortgage rates from 21 commercial banks
Click any column header to re-sort · Rates verified May 2026
| Bank | Mortgage rate▲ | Down payment↕ | Max tenure↕ | Processing fee↕ | Actions | |
|---|---|---|---|---|---|---|
6.50% loans > $100k · 7.00% below | 20% | 25 yrs | Waived (promo) | |||
7.25% 1st year · with MRTA insurance then 8.50% | 20% | 20-25 yrs | 1.0% (waivable) | |||
5.50% 1st year then ~8.00% | 20% | 25 yrs | No approval fee | |||
5.75% 1st 5 yrs · loans > $500k then 6.75% | 20% | 25 yrs | — | |||
5.80% 1st year then ~8.00% | — | 20 yrs | Up to 0% (promo) | |||
6.20% new purchase · 5.80% refinance promo | — | 20 yrs | — | |||
6.25% from rate | 10% from | 25 yrs | 1.0% | |||
6.29% | — | 25 yrs | — | |||
6.39% 1st 3 years then 7.00-7.50% | 20% | 30 yrs | — | |||
6.50% negotiable rate | 30% | 20 yrs | — | |||
6.50% floating rate | — | 20 yrs | 1.0% | |||
6.88% promo · til 31 May | 20% from | 25 yrs | — | |||
6.99% 20% prepay free / year | — | — | — | |||
6.99% | 30% from | 25 yrs | — | |||
7.08% | — | 20 yrs | — | |||
7.79% from rate | 20% from | 25 yrs | Waived | |||
8.00% from rate · max $300k loan | 30% from | 15 yrs | — | |||
8.50% yrs 0-5 · steps up then 8.75% / 8.95% | — | 20 yrs | — | |||
| Not published | — | — | — | |||
| Not published | — | — | — | |||
| Not published | — | — | — |
Will you qualify? Quick eligibility check
Most Cambodian banks apply similar baseline criteria before approving a mortgage. Before you call, check that you fit these typical requirements. Specific numbers vary by bank, so use these as a guide rather than a guarantee.
Borrower age & nationality
Most banks lend to borrowers aged 18 to 65 at loan maturity, with some requiring you to be no older than 50 at application. Foreigner eligibility varies significantly: most major Cambodian banks restrict their published mortgage products to Cambodian citizens only, but a smaller number openly accept both Cambodian citizens and qualifying foreign residents. If you're a foreigner, check the eligibility section on each bank's website or ask via the callback form.
Employment & income
Salaried applicants typically need 2+ years total work experience and at least 6 months at current employer, with confirmed (non-probationary) status. Salary should be paid through a bank account so it's verifiable. Self-employed and business owners qualify through business documentation. Banks check a debt-to-service ratio of around 1.5x or higher: your free cash flow needs to be at least 1.5 times your total monthly loan repayments.
Property type & title
Hard title (ប្លង់រឹង) is mandatory for almost all bank mortgages. The property must also be marketable and well-located: banks reserve discretion to decline properties in poor locations, even with valid title. Soft-title properties may be accepted by a small number of banks at lower LTV (around 50-60%) and higher rates, but expect significant friction.
Documents you'll need
Most banks ask for: a valid ID or passport, family book (សៀវភៅគ្រួសារ), marriage certificate or single status certificate, employment certificate, 6 months of salary verification through a bank account, the sale and purchase agreement, the property's title deed, and proof of your down payment. Banks may also require lawyer attestation for larger loans (typically USD 300,000+) or older borrowers.
What type of loan do you need?
Most banks classify mortgages by purpose: purchase of a completed residential property (the most common), refinancing an existing mortgage from another bank, or equity loan for fitting out, furnishing, or renovating a property you already own. Eligibility, LTV, and rate may differ across these three. Make sure you mention which one you need when you call.
Account & relationship
Most Cambodian banks require you to open a current or savings account with them before loan disbursement, since monthly repayments are typically debited automatically. If you already bank with one of the lenders on this page, mention it when you call: existing customers occasionally get preferential rates or faster approval.
Beyond the headline rate
A mortgage costs more than its interest rate. Before you sign, make sure you understand these costs and conditions. They can swing the total amount you pay by several thousand dollars over the life of the loan.
Processing fee
Charged on approval, typically 0.5% to 1.0% of the loan amount. Sometimes capped at a fixed maximum or waived during promotions. Always ask whether it's included in the loan or paid upfront.
Property valuation fee
Banks require an independent valuation of the property before lending. Usually USD 100 to 300, paid directly to the appraiser. Non-refundable even if the loan is declined.
Title transfer fee
The big one: a 4% stamp duty (property transfer tax) on the declared property value, plus a small cadastral processing fee. By Cambodian convention this is usually paid by the seller, but check who pays in your sale and purchase agreement. If it isn't specified, raise it before signing.
Legal fees
Lawyer or notary fees for reviewing the sale and purchase agreement, conducting title due diligence, and handling registration of the bank's mortgage interest with the cadastral office. Typically USD 300 to 800 for residential purchases.
Fire & life insurance
Both are typically compulsory for the duration of the loan. Fire insurance covers the property; life insurance covers your outstanding balance if something happens to you. Combined cost is usually 0.2% to 0.4% of property value per year, paid annually.
Early repayment penalty
Typically 1% to 3% of the outstanding balance if you pay off the loan during a lock-in period (often years 1-3 or 1-5). Some banks add a notice-period requirement on top. Important if you might refinance or sell early.
Rate after promo period
Most "from X%" rates are first-year or first-3-year promotional rates that revert to a higher floating rate afterwards. Ask the bank: "What's the standard rate after the promo ends?" The jump is typically 1% to 3%.
Developer-partnered rates
The rates above are the standard retail rates. Many boreys and condos have special partnership rates with specific banks that are lower than what walk-in borrowers get. If you're buying from a named development, always ask the developer's sales team which banks they partner with and what rate they can secure for you. The difference can be 0.5% to 1.5% off the retail rate.
Frequently asked questions
Common questions about getting a mortgage in Cambodia. For specific eligibility and current rates, contact the bank directly through the callback form above.
Want your bank listed or featured here?
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