EN KH

Credit Products

Amret's Credit Product:
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 a Solidarity Group are usually from the same village, and the local village association oversees the group’s activities.

Credit

Interest Rates

Solidarity Credit
Maximum Loan Interest rate Term
KHR2,500,000 1.5% 6-12 Months
THB20,000


Advantages
‣ Currency options – riel or baht
‣ Convenient doorstep service
‣ Reasonable upfront fee based on loan size and currency
‣ No physical collateral required
‣ Borrow at any time in the loan cycle and loan term base on each group
‣ Reasonable interest rate calculated based on outstanding balance
‣ Flexible principal payment plans to suit your business needs
‣ Top up loan amount 1 million rile with fast service, no collateral, no form up group, flexibility of disbursement, and upfront fee only 30,000 riel.
‣ At the same time, client can also borrow the individual products without paid off Solidarity Credit and Emergency Loan, and they will got discount rate upfront fee 30% when they apply for next cycle of Solidarity Credit
‣ Can apply for renewal loan after their group already paid off

Amret makes it easy

To apply for our Solidarity Loan, you will need to follow these simple steps:
‣ Talk to our staff or a village association committee member in your area
‣ Join or form a group of 3 to 6 members
‣ Request a loan and arrange terms to suit your needs

Business Loan

Business

Business Loans are for individuals who wish to start up a new business or expand an existing enterprise.

Interest Rates
Business loan
Maximum Loan Interest rate Duration
KHR80,000,000 1.2% - 1.5% 3 - 48 Months
USD20,000
THB640,000

Credit Credit

Advantages
‣  Several currency options – riel, baht, dollar
‣  Reasonable interest rate calculated based on outstanding balance
‣  Affordable upfront fee based on loan size
‣  Flexible principal payment plans to suit your business needs
‣  Option to open more loan accounts and refinance loan with other financial institutions

Amret make it easy
To apply for our business Loan, you need to follow these simple steps:
‣  Talk to our staff in your village or at your nearest our branch
‣  Provide information and documents for our Credit Officer to prepare your application
‣  We accepts hard or soft land title, and also collateral from a third party if required
‣  You can request at
‣  Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet

Credit Credit Credit Credit

Agriculture Loan

Agrifin Agrifin

Agriculture Loans are provided for a variety of purposes including investing in crop farming, animal rearing, animal breeding, farm equipment and agricultural land, and agri-business. This loan is an ideal way for smallholder farmers to access working capital to start up a new business or expand an existing enterprise.

 Agriculture loan
Maximum Loan Interest rate Term
KHR80,000,000 1.2%–1.5% 3 - 48 Months
USD20,000
THB640,000


Agrifin Agrifin

Advantages
‣  Several currency options -– riel, baht, dollar
‣  Reasonable interest rate calculated based on outstanding balance
‣  Reasonable upfront fee based on loan size and currency
‣  Flexible principal payment plans to suit your business needs
‣  Option to open more loan accounts and refinance loan with other financial institutions

Amret make it easy
To apply for our Agriculture Loan, you need to follow these simple steps:
‣  Talk to our staff in your village or at your nearest our branch
‣  Provide information and documents for our Credit Officer to prepare your application
‣  We accepts hard or soft land title, and also collateral from a third party if required
‣  You can request at
‣  Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet

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
Maximum Loan Interest rate Term
KHR60,000,000 1.3%–1.5% 3 - 48 Months
USD15,000
THB480,000


Advantages


‣  Several currency options – riel, baht, dollar
‣  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
‣  Option to open more loan accounts and refinance loan with other financial institutions

Amret make it easy

To apply for our Home Improvement Loan, you need to follow these simple steps:
‣  Talk to our staff in your village or at your nearest our branch
‣  Provide information and documents for our Credit Officer to prepare your application
‣  We accepts hard or soft land title, and also collateral from a third party if required
‣  You can request at
‣  Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet

Credit Credit Credit Credit

Consumption Loan

comsump comsump

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

Interest Rates

Consumption Loan
Maximum Loan Interest rate Term
KHR40,000,000 1.3%–1.5% 3 - 48 Months
USD10,000
 ​THB400,000


Advantages

‣  Several currency options – riel, baht, dollar
‣ 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
‣ Option to open more loan accounts and refinance loan with other financial institutions

Amret make it easy

To apply for our Consumption Loan, you need to follow these simple steps:
‣ Talk to our staff in your village or at your nearest our branch
‣ Provide information and documents for our Credit Officer to prepare your application
‣ We accepts hard or soft land title, and also collateral from a third party if required
‣ You can request at
‣ Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet

Credit Credit Credit Credit

Biodigester Loan

The Biodigester Loan is a micro 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

Biodigester Loan
Maximum Loan Interest rate Term
USD1,000 1.2% 3 - 24 Months


Advantages
‣  Reasonable interest rate calculated based on outstanding balance
‣ Flexible principal payment plans to suit your needs
‣ Option to open more loan accounts and refinance loan with other financial institutions
‣ Save around USD12 on monthly electricity costs

comsump comsump

Amret make it easy
To apply for our Biodigester Loan, you need to follow these simple steps:
‣ Talk to our staff in your village or at your nearest our branch
‣ Provide information and documents for our Credit Officer to prepare your application
‣ We accepts hard or soft land title, and also collateral from a third party if required
‣ You can request at
‣ Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet

Credit Credit Credit Credit

Small and Medium Enterprise (SME) Loan

sme-loan.jpg

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

Interest Rates

Small Business loan
Maximum Loan Interest rate Term
KHR200,000,000 0.9% - 1.4% 3 – 60 Months
USD100,000
THB3,200,000

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
‣ Option to open more loan accounts and also refinance loan with other financial institutions

Amret make it easy

To apply for Our SME loan, you need to follow these simple steps:
‣  Talk to our staff in your village or at your nearest our branch
‣  Provide information and documents for our Credit Officer to prepare your application
‣  We accepts hard or soft land title, and also collateral from a third party if required
‣  You can request at
‣  Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet

sme-loan.jpg

Credit Credit Credit Credit

Housing Loan

sme-loan.jpg

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

Interest Rates

Housing Loan
Loan Size by currency Interest rate Duration
KHR80,000,000 1.3% - 1.5% 3 - 60 months
USD20,000
THB640,000
Advantages

‣  Several currency options -– riel, baht, dollar
‣  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
‣  Option to open more loan accounts and refinance loan with other financial institutions
‣  Option to take out a top-up loan during construction of up to 30% of previous loan disbursement
‣  Convenient repayment via Amret Credit Officer, your nearest our branch, or E-Wallet
‣  We accepts hard or soft land title, and also collateral from a third party if required
Amret make it easy
To apply for our Housing Loan, you need to follow these simple steps:
‣  Talk to our staff in your village or at your nearest our branch
‣  Provide information and documents for our Credit Officer to prepare your application
‣  We accepts hard or soft land title, and also collateral from a third party if required
‣  You can request at
‣  Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet

Short Term Loan(STL)

Short Term Loan is the add up loan which provide to existing individual client who have short term working capital needs to support new or current businesses.

Interest Rates

Short Term Loan (SLT)
Maximum Loan Interest rate Term
KHR 80,000,000 1.05%–1.5% 3 - 6 months
USD 20,000
THB 640,000

Advantages

‣ No need to pay off existing loans
‣ Balloon payment
‣ Early paid off will be allowed after 1 month without extract charge
‣ Fast service
‣ Reasonable interest rate calculated based on outstanding balance
‣ Reasonable pricing
‣ Client can get many loan accounts
Amret make it easy
To apply for Our Short term loan, you need to follow these simple steps:
‣ Talk to our staff in your village or at your nearest our branch
‣ Provide information and documents for our Credit Officer to prepare your application
‣ We accepts hard or soft land title, and also collateral from a third party if required
‣ You can request at
‣ Convenient repayment via our Credit Officer, your nearest our branch, or E-Wallet.

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