Housing Loan

Buying a house is one of our dreams and it’s one of the most rewarding in lives.

Do you want to own or exchange the property in Urban Phnom Penh and Provinces in Kingdom of Cambodia? With Delta’s housing loan, your dream will be fulfilled.

You can also use our refinance service if you are an existing borrow and want to improve your housing condition.

Facilitate subscribers for home bills
Improve living standards and living conditions
Contribute to social development by providing credit to the people for proper living

Currency

USD

Interest Rate

14.4% p.a

Loan amount

Up to USD 50,000

Loan Term

Up to 15 Years

Collateral

Purchased House (Soft & Hard Title Deed)

Existing property (Soft & Hard Title Deed)

Loan Repayment

Monthly equal installment of Principal and Interest.

Application Form
Original Copy of National ID/Family Book and/or Residence Book of applicant;
Copy of Employment contract and Original reference from the employer, stamped and signed by the authorized person;
Salary certificate for the last 6 months stamped and signed by the authorized person;
Bank Statement (for the last 6 months), if any;
Internal Property Valuation Report – Appraised by the Delta.
Property Soft and Hard Title Deed.

Required Documents

Additional documents required for Individual Entrepreneur:

Memorandum and Article of Association of Company (if applicable)
Letter of registration from Ministry of Commerce (if applicable)
License (if applicable)
Patents, or Permits;
Income and costs actual data (for the last 6 – 12 month);
The list of fixed assets, working capital, inventories, and other assets related to the business, together with documents confirming the ownership or lease / rent agreements;
Other documents providing the information about the income and cash flow. (internal reports, work-books, lease / rent agreements, invoices)

Insurance Requirements

Annual Fire insurance required insured for the mortgaged house with insurance company approved by the Institution duly insured with Institution’s clause in favor of Delta Microfinance PLC.
This policy insures your house against fire and additional perils causing damage. For full details please refer the policy document.

Please visit and DELTA branches close to your office or location or talk to our lending specialist or contact our customer service or by www.delta-plc.com or call at 081 777 155 for more information.

What is Housing Loan?

A Housing loan is designed to help the buyers and owners want to own or exchange the property in Urban Phnom Penh and Provinces.

What is the Interest Rate?

1.2% p.a

What are the basic criteria to apply for Housing Loan?

The basic required documents to apply for the Housing Loan is:

- Original Copy of National ID/Family Book and/or Residence Book of applicant;
- Copy of Employment contract and Original reference from the employer, stamped and signed by the authorized person;
- Salary certificate for the last 6 months stamped and signed by the authorized person;
- Bank Statement (for the last 6 months), if any;
- Internal Property Valuation Report - Appraised by the Delta.
- Property Soft and Hard Title Deed.

Loan Products

Official Page