There is a common perception that home loans can only be obtained against the purchase of hard title properties. But, banks like Sathapana, ABA and ACLEDA offer rates to assist people in the purchase of soft title properties.

Not surprisingly, Sathapana’s conditions are somewhat stricter than hard titled properties, with loans of up to $100,000 available to borrowers at 11% P.A. over 10 years.

The following is an overview of Sathapana’s borrowing conditions:




Hard title deed

Soft title deed





Interest rates

8.5% P.A.

9% P.A.

11% P.A.


Up to 20 years

Up to 15 years

Up to 20 years

Processing fee 1& (one-time fee on approved loan limit)
Payment mode Flexible payment terms
Maximum loan Up to 70% of the property value
Collateral Hard title or soft title deed
  • Competitive interest rate
  • Easy access to our branch network nationwide
  • Flexible repayment terms
  • Cambodian citizens aged 18 to ​60 years
  • Permanently residing in the country
  • Living at a permanent address certified by local authorities
  • Employed with regular salary or business owner with stable income
  • Other relevant documents as requested.
  • National ID document (NID) / document issued by an official authority
  • Photocopy of Title Deed of property
  • Sales & Purchase Agreement (SPA)
  • Employer letter confirming salary and/or income for last 3 months
  • Photocopy of 6 months bank statements, fixed deposit receipts, saving passbook and other financial assets
  • Property Valuation report
  • Loan repayment records (optional)
  • Other relevant documents as requested.
How to apply
  • Visit any branch with required documents or complete an online form.
  • Contact the bank 24/7 hotlines: +855 (0) 23/81 999 010
  • Email for information

ACLEDA also offers loans for the purchase of soft title properties of up to $100,000 equal to 60% of the property value. Source 

ABA offers up to $30,000 towards the purchase of soft tile properties for around 1.3%/month according to the following criteria Source

  • Borrower 18-65 years old
  • Legal, harmless business (not an environmentally or socially damaging business) running for at least 6 months
  • Monthly loan repayment of not exceeding 70% of net disposable income from the business per period (Principal and Interest)
  • Property title (in own name or in third party name) as collateral for the loan. Positive information at Credit Bureau of Cambodia.


Frequently asked questions