ប្រាក់កម្ចីផ្ទះ (prak-kamchei pteah / home loan) Calculator Cambodia

Market overview

Cambodia's mortgage market is highly dollarised — over 80% of housing loans are USD-denominated despite KHR being legal tender. ACLEDA Bank (the largest by branch network), Canadia Bank, ABA Bank (now Cambodia's largest by assets), and Vattanac Bank dominate, with Maybank, Hong Leong, and Cambodian Public Bank also active. The National Bank of Cambodia (NBC) holds its Liquidity-Providing Collateralised Operation rate near 1% on KHR and applies reserve requirements differentially — 7% on KHR vs 12.5% on USD — to nudge de-dollarisation. As of 2026, mortgage rates have eased slightly from 2023-2024 peaks alongside US Fed cuts, given USD pricing dominance.

Why 8% is the typical rate

8.0% reflects a USD-denominated 20-year mortgage from ABA or ACLEDA to a salaried Phnom Penh borrower at 70% LTV in early 2026, pricing roughly 350 bps above SOFR plus local credit spread.

Tax & regulatory notes

Cambodia charges a 4% property transfer tax (Stamp Duty on Transfer of Ownership) payable by the buyer, plus 0.1% annual immovable property tax on properties valued above KHR 100 million (~USD 25,000). Foreign nationals cannot own land or ground-floor units but may own freehold strata-titled condominium units from the first floor up under the 2010 Foreign Ownership Law, capped at 70% of a building's units. There is no broad first-time-buyer subsidy, but the National Housing Development Policy and NBC's 2017 prakas on bank housing-loan classification provide LTV and DTI guidance.