EN KH

Credit Products

Amret's Credit Product:
  1. Solidarity Credit
  2. Individual Credit
  3. 2.1 Business Loan
    2.2 Home Improvement Loan
    2.3 Consumption Loan
    2.4 Bio-digester Loan
    2.5 Agriculture Loan
    2.6 SME (Small-Medium Enterprise) Loan
    2.7 Housing Loans

    For more detail go to each tag below:

Solidarity Credit

Solidarity Credit is for small groups of people who come together to borrow money and between them guarantee timely repayment of the loan. The members of Solidarity Group are usually from the same village, and the local village association oversees the group’s activities.

Credit

Interest Rates

Solidarity Credit
Loan Size by currency Interest rate Duration
Up to 2,500,000 Riel 1.5% 6-12 Months
Up to 20,000 Baht


Business Loan

Business

Business Loans are for individuals who wish to start up a new business or expand an existing enterprise in order to improve household's economy.

Interest Rates
Micro Business loan
Loan Size by currency Interest rate Duration
Up to 80,000,000 Riel 1.2% - 1.5% 3 - 48 Months
Up to 20,000 Dollar
Up to 640,000 Baht


Credit Credit

Advantages
‣  Currency options - Riel, Dollar, and Baht.
‣  Reasonable interest rate calculated based on outstanding balance.
‣  Reasonable upfront fee based on loan size and by currency
‣  Flexible principal payment plans to suit your business needs.
‣  Available to ask for more loan accounts and also refinancing loan with other financial institution.

Amret make it easy
Talk to our staff in your village or at the nearest Amret branch.
‣  Talk to Amret's staff in your village or at the nearest Amret branch.
‣  Provide information and documents to credit officer for applicant preparation.
‣  Accept both hard and/OR soft title, and also the complementary collateral from third party.
‣  The disbursement can be at the nearest Amret branch or through Credit Officer.
‣  The repayment can be through Amret staff or AMRET nearest branches or other channel such as TRUE MONEY, WING agencies.

Credit Credit Credit Credit

Agriculture Loan

Agrifin Agrifin

Agriculture loans are provided for a variety purposes including investing in cropping, animal rearing, animal breeding, equipment and agricultural land, and agri-business. These loans are an ideal way for smallholder farmers to access working capital to start up a new business or expand an existing enterprise.

Micro Agriculture loan
Loan Size by currency Interest rate Duration
Up to 80,000,000 Riel 1.2% - 1.5% 3 - 48 Months
Up to 20,000 Dollar
Up to 640,000 Baht


Agrifin Agrifin

Advantages
‣  Currency options - Riel, Dollar, and Baht.
‣  Reasonable interest rate calculated based on outstanding balance.
‣  Reasonable upfront fee based on loan size and by currency
‣  Flexible principal payment plans to suit your business needs.
‣  Available to ask for more loan accounts and also refinancing loan with other financial institution.

Amret make it easy
To apply for Amret Agriculture loan, you have to follow as below steps:
‣  Talk to our staff in your village or at the nearest Amret branch.
‣  Provide information and documents to credit officer for applicant preparation.
‣  Accept both hard and/OR soft title, and also the complementary collateral from third party.
‣  The disbursement can be at the nearest Amret branch or through Credit Officer.
‣  The repayment can be through Amret staff or AMRET nearest branches or other channel such as TRUE MONEY, WING agencies.

Credit Credit Credit Credit

Home Improvement Loan

improve improve

​ Home Improvement Loan is a micro personal loan for individuals intending to renovate or extend their house. Clients usually use these loans to put up a fence, replace a roof, install a toilet and running water, add a living room, bathroom or kitchen, or add an extra floor.

Interest Rates

Home Improvement Loan
Loan Size by currency Interest rate Duration
Up to 40,000,000 Riel 1.3% - 1.5% 3 - 48 Months
Up to 10,000 Dollar
Up to 400,000 Baht
Advantages


‣  Currency options - Riel, Dollar, and Baht.
‣  Reasonable interest rate calculated based on outstanding balance.
‣  Reasonable upfront fee based on loan size and by currency
‣  Flexible principal payment plans to suit your business needs.
‣  Available to ask for more loan accounts and also refinancing loan with other financial institution.

Amret make it easy

To apply for an Amret Home Improvement Loan, you'll need to follow these simple steps:
‣  Talk to our staff in your village or at the nearest Amret branch.
‣  Provide information and documents to credit officer for applicant preparation.
‣  Accept both hard and/OR soft title, and also the complementary collateral from third party.
‣  The disbursement can be at the nearest Amret branch or through Credit Officer.
‣  The repayment can be through Amret staff or AMRET nearest branches or other channel such as TRUE MONEY, WING agencies.

Credit Credit Credit Credit

Consumption Loan

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Consumption Loan is a micro personal loan for individuals intending to buy household or personal items, such as a vehicle, computer, furniture, refrigerator, television or generator, etc.

Interest Rates

Consumption Loan
Loan Size by currency Interest rate Duration
Up to 40,000,000 Riel 1.3% - 1.5% 3 - 48 Months
Up to 10,000 Dollar
 ​Up to 400,000 Baht

Advantages

‣  Currency options - Riel, Dollar, and Baht.
‣  Reasonable interest rate calculated based on outstanding balance.
‣  Reasonable upfront fee based on loan size and by currency
‣  Flexible principal payment plans to suit your business needs.
‣  Available to ask for more loan accounts and also refinancing loan with other financial institution.

Amret make it easy

To apply for an Amret Home Improvement Loan, you'll need to follow these simple steps:
‣  Talk to our staff in your village or at the nearest Amret branch.
‣  Provide information and documents to credit officer for applicant preparation.
‣  Accept both hard and/OR soft title, and also the complementary collateral from third party.
‣  The disbursement can be at the nearest Amret branch or through Credit Officer.
‣  The repayment can be through Amret staff or AMRET nearest branches or other channel such as TRUE MONEY, WING agencies.

Credit Credit Credit Credit

Bio-digester

Bio-digester Loan is a micro personal loan for rural dwellers who wish to build a household biogas digester. The installation of a biogas digester helps improve household living conditions, cut household fuel costs and reduce environmental pollution.

comsump comsump

Bio-digester Loan
Loan Size by currency Interest rate Duration
Up to 1,000 Dollar 1.2% 3 - 24 Months


Advantages

‣  Reasonable interest rate calculated based on outstanding balance.
‣  Flexible principal payment plans to suit your business needs.
‣  Available to ask for more loan accounts and also refinancing loan with other financial institution.
‣  Deduction cost of electricity and cooking is 12 Dollars per month.



comsump comsump

Amret make it easy

To apply for an Amret bio-digester loan, you'll need to follow these simple steps:
‣  Talk to our staff in your village or at the nearest Amret branch.
‣  Provide information and documents to credit officer for applicant preparation.
‣  Accept both hard and/OR soft title, and also the complementary collateral from third party.
‣  The disbursement can be at the nearest Amret branch or through Credit Officer.
‣  The repayment can be through Amret staff or AMRET nearest branches or other channel such as TRUE MONEY, WING agencies.

Credit Credit Credit Credit

Small and medium enterprise (SME Loan)

sme-loan.jpg

SME Loans address the needs of small and medium enterprises (commerce, manufacturing, services) and agri-businesses for working capital to invest in a startup, grown an existing business, diversify activities, expand into new markets or create new product lines.

Interest Rates

Small Business loan
Loan Size by currency Interest rate Duration
Up to 200,000,000 Riel 0.9% - 1.4% 3 – 60 Months
Up to 100,000 Dollar
Up to 3,200,000 Baht


Advantages


‣  Reasonable interest rate calculated based on outstanding balance.
‣  Reasonable upfront fee based on loan size and by currency
‣  Flexible principal payment plans to suit your business needs.
‣  Available to ask for more loan accounts and also refinancing loan with other financial institution.

Amret make it easy


‣  Talk to our staff in your village or at the nearest Amret branch.
‣  Provide information and documents to credit officer for applicant preparation.
‣  Accept both hard and/OR soft title, and also the complementary collateral from third party.
‣  The disbursement can be at the nearest Amret branch or through Credit Officer.
‣  The repayment can be through Amret staff or AMRET nearest branches or other channel such as TRUE MONEY, WING agencies.

sme-loan.jpg

Credit Credit Credit Credit

Housing Loan

sme-loan.jpg

Housing Loan is an personal loan for individuals who wish to build a new house on their owner land.

Interest Rates

Housing Loan
Loan Size by currency Interest rate Duration
Up to 60,000,000 Riel 1.3% - 1.5% 3 - 60 months
Up to 15,000 Dollar
Up to 480,000 Baht
Advantages

‣  Currency options - Riel, Dollar, and Baht.
‣  Reasonable interest rate calculated based on outstanding balance.
‣  Reasonable upfront fee based on loan size and by currency
‣  Flexible principal payment plans to suit your business needs.
‣  Available to ask for more loan accounts and also refinancing loan with other financial institution.
‣  Available to ask top up loan in construction period up to 30% of previous loan disbursement.

Amret make it easy
To apply for an Amret Loan Small Housing Loan, you'll need to follow these simple steps:
‣  Talk to our staff in your village or at the nearest Amret branch.
‣  Provide information and documents to credit officer for applicant preparation.
‣  Accept both hard and/OR soft title, and also the complementary collateral from third party.
‣  The disbursement can be at the nearest Amret branch or through Credit Officer.
‣  The repayment can be through Amret staff or AMRET nearest branches or other channel such as TRUE MONEY, WING agencies.

Amret’s Operations Area

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