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Questions & Answers for Credits

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Credits

  1. What is the ACLEDA Bank's interest rate for business loan?
    ACLEDA Bank charges the interest on loan size and currency.
  2. What are customer's qualifications for receiving loan from ACLEDA Bank?
    • Having a house, land, or other assets substituted for collateral
    • Having a permanent address located in ACLEDA Bank's operation area of responsibility branch that certified by local authority
    • Willing not to change address to any other outside ACLEDA Bank's operation area that you owe a debt until the loan is paid off and approved by local authority as a witness
    • Having a business or any sufficient income that warrant the ability to pay back
    • Be majority and having proper qualifications as mentioned above
  3. What are requirements for receiving loan from ACLEDA Bank?
    • Having an identification card
    • Family book
    • Collateral
    • Title deed
    • Property deed
    • Guarantee document
    • Guarantor

Personal Loan

  1. What is a personal / retail loan?
    Personal / retail loan is a loan that provided to any customer refers to the contract between ACLEDA Bank and customer in order to use in family or personal – buying furniture, change or repair a house – not to use for business.
  2. What is the ACLEDA Bank's interest rate for personal loan?
    ACLEDA Bank charges the interest on loan size and currency.
  3. What are customer's qualifications for personal loan?
    • Any Cambodian who is majority
    • Having a good background, reputation, attitude, and willing to pay back
    • Having a sustainable work in private or public organisations, national or international agencies, or projects (working contract should be longer than loan period) that certified by immediate supervisor
    • Having a permanent address located in ACLEDA Bank's operation area of responsibility branch that certified by local authority
    • Willing not to change address to any other outside ACLEDA Bank's operation area that you owe a debt until the loan is paid off and approved by local authority as a witness
    • Having own 10% to 20% cash of total price of things you need to buy

Housing Loan

  1. What is Housing Loan?
    Housing Loan is a long-term loan provided for those who want to buy or build their homes on their own land.
  2. In what currencies does ACLEDA Bank offer?
    ACLEDA Bank offers you in US Dollar only for this loan.
  3. What is the loan period of ACLEDA Bank's housing loan?
    Maximum of loan period is 10 years for:
    • Customers who are currently employed by public organizations, national or international agencies, and will not exceed the retirement age.
    • Other customers who have a good health and will not be over 60 years of age (start from receiving loan until the end of loan period).
  4. What is the loan size of ACLEDA Bank's housing loan?
    ACLEDA Bank provides housing loan of up to US$300,000 but not more than 70% of the house price.
  5. What are the payment methods of housing loan?
    • Payment is calculated by straight line depreciation on actual balance and interest method.
    • Payment is calculated by depreciation on actual balance and fixed interest method.
  6. What are customer's qualifications for housing loan?
    • Any Cambodian who is majority;
    • Customer who is currently employed by public organizations and national or international agencies;
    • Customer who has a good health and his/her age does not exceed the retirement age (start from receiving loan until the end of loan period);
    • Having a proper work, salary, or any sufficient income that warrant the ability to pay back;
    • Having a good background, reputation, attitude, and willing to pay back;
    • Having a permanent address certified by local authority;
    • Ensuring to provide sufficient and timely information;
    • The buying house must be located in ACLEDA Bank's operation areas and certified by local authority;
    • Never been involved in any violation of law;
    • Not involve in debt until the loan is paid off.
  7. What are requirements for receiving housing loan?
    • For business person
      • Providing financial statements for a year before last year and last year;
      • Providing photos of business location, if any;
      • Savings passbook or a copy of bank's statements within the last three months, if any;
      • A copy of current rental contract and other related documents if having any rental for one year at least, if any;
      • A copy of utilities bills within the last three months;
      • A copy of official company documents such as: patent, business registration certificate, company's memorandum, letter of business registration, logo, trademark, product inspection certificate, etc.
    • For employee
      Customer who is currently employed by private or public sector, local or international organizations or projects:
      • Certified by immediate supervisor;
      • Having a sustainable work;
      • Having salary and any other income that warrant the ability to pay back regularly after family expenses and reserves;
      • A copy of salary voucher within the last three months or letter that's certified by employer about your position, working duration, and salary history;
      • A copy of employment contract;
      • A copy of family book, identification card, or other substitute documents;
      • Savings passbook or a copy of bank's statements within the last three months, if any;
      • A copy of current rental contract and other related documents with at least one year, if you have any property being let.

Overdraft Facility for Depositors

  1. What is Overdraft Facility for Depositors?
    Overdraft Facility for Depositors allows customers to make withdrawals over the debit balance in their account up to a specific amount without prior notice, according to the agreement with ACLEDA Bank.
  2. What are requirements for receiving an Overdraft Facility for Depositors?
    • Having an account with ACLEDA Bank that is active for at least 3 months
    • For employee of any company/institution, you only need a certified letter from your employer
    • For businessman, you can prove your legal business, proper income, and its potential
    • Having a permanent residential address
  3. What is the loan size of Overdraft Facility for Depositors?
    The maximum loan size is 50% of last month salary for customers who are using payroll service with ACLEDA Bank, or 50% of average balance customers had in their account for the last consequential three months and up to USD500 or equivalent to KHR or THB.
  4. How much does the bank charge for Overdraft Facility for Depositors?
    ACLEDA Bank charges US$10 for arrangement fee.
  5. Does ACLEDA Bank require any collateral for Overdraft Facility for Depositors?
    ACLEDA Bank does not require any collateral for Overdraft Facility for Depositors.
  6. If I have a joint account, can I receive Overdraft Facility for Depositors?
    Yes, you can, but the member(s) has/have to agree and sign the loan contract with ACLEDA Bank and consent to pay back when you cannot pay a debt in the contract and follow the account's terms and conditions.

Car Loan

  1. What are the customer's qualifications for car loan?
    • Being a majority
    • Having a permanent address
    • Having a good reputation, attitude, and willing to pay back
    • Having a proper work, salary, or sufficient income that ensure your ability to pay back
  2. What are the requirements for receiving car loan?
    • Having a family book, identity card, passport, or other documents
    • Having a driving license
    • Having a savings passbook or a copy of bank's statement for the last three months (if any)
    • Providing timely information, and sufficient legal documents if requested
  3. What is the loan size, and how long?
    • You can get the loan up to:
      • 60% of your car price, if using the buying car as collateral
      • 80% of your car price, if using a house or land property as collateral and up to 60% of the property's value
    • Loan size is up to US$100,000
    • You can enjoy loan period up to 6 years
  4. What are the payment methods of car loan?
    You can choose to pay by one of the options below:
    • Equal principal repayments plus interest every month
    • Equal repayments of principal and interest every month
  5. How much fee should I pay for receiving the car loan?
    • Loan fee is 1% of loan size
    • Buy insurance policy to protect car lost or damaged (optional for customers who use land or house as collateral)
    • Pay for registering number plate, and vehicle ownership identification
    • Fee for filing office
  6. What types of car can I buy?
    You can buy a brand-new car or used car which is 10 years old or less from its manufactured year.

Home Improvement Loan

  1. What is Home Improvement Loan?
    Home Improvement Loan is provided for those who want to renovate their homes to live comfortably in prosperity.
  2. How can I be qualified for Home Improvement Loan?
    • Any Cambodian who is a majority
    • Having a proper work, salary, or any sufficient income that warrants the ability to pay back
    • Having a permanent address which is certified by local authority
    • Having good background, reputation, and attitude.
  3. What are the requirements for Home Improvement Loan?
    • Identification card, family book, or other substitute documents
    • Having a savings passbook or a copy of bank statement for the last 03 months (if any)
    • Having a copy of electricity and water supply bills fot the last 03 months (if any)
    • Having document presenting your fixed assets to deposit as collateral.
  4. In what currencies does ACLEDA Bank offer?
    ACLEDA Bank offers in Khmer Riel and US Dollar.
  5. What is the loan size? And how long?
    ACLEDA Bank provides Home Improvement Loan up to US$150,000 or equivalent to Khmer Riel and loan period is up to 6 years.
  6. How much does the bank charge for the loan?
    ACLEDA Bank charges 1% (one percent) on loan size from US$10,000 or equivalent.
  7. How do I pay back for Home Improvement Loan?
    • Monthly installments on fixed actual balance and interest method
    • Monthly installments on actual balance and fixed interest method (for US dollar only)

Motorbike Loan

  1. What is the loan size of Motorbike Loan and how long?
    • You can get the loan up to US$10,000, but not over 80% of the motorbike price (if using the buying motorbike as collateral) and up to 100% of that (if using land or house as collateral)
    • Loan period is up to 5 years, but not later than retirement age for employees or at the age of 60 for the general public.
  2. What types of motorbike can I buy?
    You can buy any types of brand-new motorbike or used motorbike from legal suppliers.
  3. In what currencies does ACLEDA Bank offer?
    ACLEDA Bank offers you in US Dollar only for this loan.
  4. What are requirements for the loan?
    • For Customers
      • A copy of family book, identity card, passport, or any valid documents
      • Savings passbook or a copy of bank statement for last three months (if any)
      • A copy of electricity and water supply bills for last three months (if any)
    • For Employees
      • A copy of family book, identity card, passport, or any valid documents
      • Having a certification of employment or employment contract, etc.
      • A copy of payslip for last three months or certification of status, position, duration of work, and salary history
      • A copy of electricity and water supply bills as well as other bills for last three months
      • Having financial statements for last one year (if having any other business)
  5. How do I pay back for the loan?
    Equal repayments of principal and interest every month and you may choose the first date of your payment as needed.

Student Loan

  1. What is a student loan?
    Student Loan is offered parents or guardians who need cash to pay for study fee of their children to continue studying at institute or university (a minimum of 02 years study period) after high school graduated (Bac II).
  2. How many types of student loan?
    There are two types of student loan:
    • Receiving money one time based on the receipt of the institute or university;
    • Receiving money many times based on the receipt of the institute or university in semester or year.
  3. In what currency does ACLEDA Bank offer?
    ACLEDA Bank offers student loan to customers in US dollar only.
  4. What is the loan size, and how long?
    • Loan size up to US$30,000; but not over than a total of study fee.
    • Loan period is based on the total period of the whole course plus a maximum of 12 months.
  5. What are requirements for the loan?
    • Having a permanent address which is certified by local authority;
    • Ensuring to provide student confirmation letter from the institute or university and student transcript as required;
    • Having a proper work, salary, or sufficient income (students' parents or guardians);
    • Giving receipt or letter confirmation of school fee from the institute or university to the bank when receiving money;
    • Having any collateral for assuring the lending money.

Informal Sector Loan

  1. What is an Informal Sector Loan?
    Informal Sector Loan is a type of micro loan ACLEDA Bank offers to a customer who has a small scale business such as selling baskets in a market, along a pavement, or in front of his house in order to expand his business and to buy some material for his business.
  2. What are available currencies of Informal Sector Loan?
    This loan is offered in KHR, USD and THB.
  3. What is a loan size and loan period of Informal Sector Loan?
    Loan size up to a maximum of KHR3,000,000, USD700, or THB30,000. Loan period up to 12 months.
  4. What are required documents?
    The requirement documents are:
    • Family book, ID card, Residential book, or a copy of other valid documents that are thumb printed by a customer and certified by local authority.
    • Residential document certified by local authority if a borrower has no permanent address in an operations area.
    • Can be required an agreement of rental store or certified document for permission of selling.
  5. What are the payment methods of Informal Sector Loan?
    The payment methods are:
    • Equal repayments of principal plus interest
    • Equal repayments of principal and interest
    • Repayments interest and principal as agreed
  6. Does the bank require any collateral for applying the loan?
    The bank is not require any collateral for applying Informal Sector Loan, but needs a witness (who is not a relative of a borrower) or may require the guarantor.

Note: ACLEDA Bank may change its services' price without prior notice. For our services requirements and more information, please contact our Call Center.


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ACLEDA Bank Plc. Headquarters
Registration No. 00003077
#61, Preah Monivong Blvd., Sangkat Srah Chork,
Khan Daun Penh, Phnom Penh, Cambodia.
P.O. Box: 1149
Tel: +855 (0)23 998 777 / 430 999
Fax: +855 (0)23 430 555
E-mail: acledabank@acledabank.com.kh
SWIFT Code: ACLBKHPP
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© 2017 ACLEDA Bank Plc.

Site Map
Form Center
Application Forms
User Manuals
Financial Calculator
Newsletter
Security Tips
Legal Notice
Code of Banking Practice (PDF)
Online Visitors: 21     Today: 2,255     Yesterday: 22,554
Online Visitors: 21
Today​ Visitors: 2,255
Yesterday Visitors: 22,554


Find us on Facebook
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© 2017 ACLEDA Bank Plc.

Site Map     Form Center     Application Forms     User Manuals     Financial Calculator     Newsletter     Security Tips     Legal Notice     Code of Banking Practice (PDF)
Online Visitors: 21     Today: 2,255     Yesterday: 22,554
Online Visitors: 21
Today​ Visitors: 2,255
Yesterday Visitors: 22,554
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