How to Finance a Real Estate Purchase in Cambodia?

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According to a study by the Vietnamese government, Cambodia’s economy and businesses are growing daily, making it an attractive property investment option. Not just this, but investing in real estate also can provide long-term financial benefits, making their investment profitable in the short-period of time. 

One of the major problems facing investors is the need for access to traditional banking and financial services. This can make getting a loan or mortgage for a real estate purchase difficult, leaving investors to rely on their resources or seek alternative funding options. Another challenge is navigating Cambodia’s complex legal and regulatory landscape, which can be confusing and time-consuming.

So, if you want a reliable and easy solution for this, get in touch with IPS Cambodia today – a leading real estate company in Cambodia that will give you financing options for purchasing property in the country. Our team has a deep understanding of the local market and policies in the real estate industry. IPS Cambodia can provide financing solutions to meet your investing needs.

In this article, we’ll explore how you can acquire financial support for real estate purchases in Cambodia, with the necessary requirements and steps. Conducting thorough research and comparing the available options can improve your chances of qualifying for a bank loan or mortgage.

What are the Financing Options for Real Estate Purchases in Cambodia?

For people inside and outside Cambodia there are many reasons for investing in Cambodia real estate. So, if you are one, research and compare major financing options. Also, look for the one best fits your financial situation and property type. It depends on multiple factors like credit history and the type of property you’re interested in. Here is the list of the most financing options with their advantages and disadvantages for real estate purchases in Cambodia.

  • Bank Loans

Bank loans can offer a range of benefits, such as lower interest rates and longer repayment terms, but they require a good credit score, stable income, and a down payment to qualify. It’s important to weigh these factors before deciding on a financing option.

  • Mortgages

Mortgages can offer significant advantages over other financing options, such as lower interest rates, making them a popular choice for many buyers. But, to qualify for a mortgage, you’ll need to meet specific requirements, such as providing a down payment and having a good credit score and stable income.

  • Seller Financing

Here the property seller finances the purchase instead of a bank or other financial institution. The buyer pays directly to the seller, typically with interest, over a negotiated period. The seller may be willing to negotiate on your terms in case of a lower down payment, longer repayment period, or lower interest rate than traditional financial institutions. Unlike banks, the seller may not ask for a credit check. 

  • Private Lending

Here individuals or companies lend money to borrowers to buy real estate. These lenders have fewer requirements than banks or other financial institutions, making them a better option for some buyers. However, private lending may have higher interest rates and shorter repayment terms than other options.

Steps to Secure Financing for Real Estate Purchases in Cambodia

Securing financing for a real estate purchase in Cambodia can be daunting. Many people wonder, can foreigners buy property in Cambodia?

The answer is YES, they can. However, they would need to familiarize themselves with the Cambodian property laws and regulations and certain requirements. With the right preparation and knowledge, it’s possible to meet your financing needs and help you achieve your real estate goals. Let’s see how to move forward in securing finances for your needs. 

Determine Your Budget

Determining your budget is the first step in finding capital for a real estate purchase in Cambodia. Take into account your budget when purchasing a property as a first time investor. For this, check your income, expenses, and other financial expenses.

Research Lenders

Once you’ve determined your budget, the next step is to research lenders. Look for banks, mortgage brokers, and other financial institutions that offer financing options for real estate purchases in Cambodia. Compare interest rates, fees, and requirements to find a lender that meets your needs.

Gather Documentation

To apply for financing, you must provide documentation demonstrating your financial stability and creditworthiness. This may include tax returns, bank statements, employment verification, and other financial documents. Gather these documents in advance to streamline the application process.

Apply For Financing

Once you’ve found a lender and gathered your documentation, it’s time to apply for financing. Fill out the application and provide all required documentation. The lender will review your application and determine whether you qualify for financing.

Negotiate Terms

If you’re approved for financing, the lender will provide the loan terms, including the interest rate, repayment schedule, and fees. Review these terms carefully and negotiate if necessary to ensure they align with your needs and goals.

Close The Deal

Once you’ve agreed to the loan terms, closing the deal is time. This involves signing the loan documents and transferring the funds to the seller. Make sure to read all documents carefully and ask any questions before signing.

These steps will make it easy to secure financing for your real estate purchase in Cambodia that meets your needs and helps you achieve your real estate goals.

What are the Requirements for Obtaining Financing in Cambodia? 

There are many advantages of investing in real estate in Cambodia, it’s important to understand the requirements you’ll need to meet to qualify for a loan. Each lender may have their specific requirements, but here are some general requirements that are often necessary to obtain financing in Cambodia:


Most lenders in Cambodia require a down payment for real estate financing. The amount of the down payment varies, but it’s typically between 10% and 30% of the purchase price.

Credit History

You will be evaluated on the basis of your credit history by lenders. A good credit score and a history of on-time payments can increase your chances of being approved for financing.

Income and Employment

Lenders will require proof of income and employment to ensure you can repay the loan. This may include tax returns, employment verification, and pay stubs.

Property Appraisal

Lenders will require an appraisal of the property to ensure that the loan amount aligns with the property’s value.

To secure financing, you’ll need to provide legal documents, such as the property’s title and purchase agreement, to the lender.


Sometimes, lenders may require collateral to secure the loan. This may include other properties or assets that you own.

With all of these in hand, you are increasing your chances of obtaining financing for a real estate purchase in Cambodia. 


Financing a real estate purchase in Cambodia is absolutely a complex process, but it’s possible. By following the steps we’ve outlined and meeting the requirements, you can secure financing that meets your needs, and helps you achieve your real estate goals.

When it comes to real estate in Cambodia, IPS Cambodia is a trusted name in the industry. With a team of experienced professionals and a deep understanding of the local market, IPS Cambodia can help you navigate the real estate landscape and manage the property. No matter if you’re looking for a home, an investment property, or a commercial space, IPS Cambodia has the expertise and resources to help you achieve your goals. 

So why choose anyone else for your real estate needs in Cambodia? Contact IPS Cambodia today to learn how we can help you finance your real estate purchase and find your dream property in Cambodia.

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