| Who is target customer? |
Producer, farming owner, agricultural cooperative, SMEs, who need capital for expanding business in 4 main sectors as below:
– vegetable and fruit producing
– animal raising (chicken, duck, pig, cow, etc.,
– aquaculture (fish farming, frog, eel, lobsters, etc.,)
– agro-industry processing and food. |
| Loan size and term |
- Working capital from 5,000 – 200,000 USD, term: up to 2 years
- For Investment from 5,000 – 300,000 USD, term: up to 7 years
|
| Interest rate |
- Working capital loan: 5% per year
- Investment loan: 5.5% per year
|
| Requirements |
- Have existing business
- Have collateral
- Have payment capability
- Be target customers as mentioned above
|
| Payment method |
- Monthly interest payment and
- Principal can be paid monthly or quarterly or semester based upon customer’s cash flow
|
| Collateral |
- hard title or soft title which recognized by law, or certificate of deposit, etc.
|
| Benefits |
- Can make principal payment before maturity date without penalty
- Can get grace period for 1st year payment of principal for investment loan
- Can get loan up to 80% of collateral
|
| Required documents |
- Khmer ID and family book or residence book (copy)
- Land title as collateral
- Business permission certificate (copy)
- Income-Expense information and business plan
In case entity, there are additional required documents as below:
- Effective patent and incorporate certificate (copy)
- Business/company statues (copy)
- Minute of general meeting of shareholder or that of executive management on decision authorization borrowing from the bank
|
ភាសាខ្មែរ
