Home Equity Loan

Loan finance to customer who pledge their existing residential dwelling for the following purposes.


Features and Conditions
Currency USD Home Equity Loan KHR Home Equity Loan
Purpose Housing related purposes:
  • Improve/decorate residential home
  • Furniture Purchase
Type of collateral Hard title
Interest rate per annum
  • 9.00%p.a (Amount>$200,000)
  • 10.00%p.a (Amount <=$200,00)
Loan to value Up to 80%
Loan amount ≥ USD10,000 or KHR equivalent
Loan term
  • Up to 20 years
  • 20-25 years (required MRTA of SVL)
Bank service charge
  • 1% of loan drawdown or
  • 0.50% if purchase SVL-MRTA to cover full loan amount and loan tenor less than 5 years or Purchase SVL-Non-MRTA.
  • Free if purchase SVL-MRTA to cover full loan amount and loan tenor more than or equal 5 years.
Legal fee USD 150 or KHR Equivalent
Property evaluation Free
Fire insurance
  • Yes (Exclusive by Dara Insurance)
  • Free fire insurance for the 2nd year if customer have satisfied repayment record (no late) in the last 12 months, standard premium fee applies from third year.
Pre-payment charge
  • 3% on partial principal or paid-off balance in the first 3 years.
  • No charge thereafter if customer inform 1 month at least before pay off or partial principal payment.
  • Charge 1% thereafter if customer make partial payment or pay off without any inform before 1 month.
  • Requirements
    • Valid National ID card/passport
    • Family book/residential book
    • Sale and purchase agreement/booking agreement (or proof of booking)
    • Proof of income/employment certificate/payslips/bank statements, and/or other relevant documents
    • Sovannaphum life insurance will be applicable if required

    The above Interest Rate and Terms & Conditions are subject to change at the Bank's sole discretion without any prior notice to customer.
    For further information, please visit your nearest Canadia Bank branch or give us a call at (+855) 23 868 222 .

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    Home Equity Loan

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