Loan Conditions

Loan Amount

Currency	KHR
Minimum loan size	KHR 300,000
Maximum loan size	200,000,000

Distribution at Disbursement (Est.)

Loans less than KHR 1,000,000	0
KHR 1,000,000-3,500,000	10%
KHR 3,500,000-6,000,000	20%
KHR 6,000,000-8,000,000	20%
KHR 8,000,000-10,000,000	10%
Greater than KHR 10,000,000	10%

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	48.0 months
Approx average	20.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	15%
Between 13 and 18 months	5%
Longer than 18 months	80%

Grace Period

Grace period usage	10%
Average grace period	2.0 months

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months	x
Quarterly	x
Every 6 months
Every 12 months
Single end payment
Irregular payments	x

Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 5,000
Maximum loan size	150,000

Loan Term and Grace Period

Shortest loan term	1.0 month
Longest loan term	6.0 months
Approx average	4.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly	x
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Upfront Fees

This product has no upfront fees

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Pricing Information

Interest

Upfront Fees

	Fee 1		Fee 2
Description	Bank Charge		Processing Fee
% of loan amount - min	0		0
% of loan amount - max	0		0
OR, Fixed amount - min	232.40		100
Fixed amount - max	6,474		325
Reason for variation			N/a
Appears on Repayment Sched?	No		No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Mortgage Redemption Insurance
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	16.25
Fixed amount - max	591.50
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	0
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	10.00%
or, Fixed-amount deposited	0
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	1.00%
Maximum interest rate paid	1.00%
Interest payment frequency	Quarterly

Taxes

Are taxes charged on this product?	Yes
Percentage of fees	0
All or some fees taxed	N/A

Additional Comments

Bank charge = .83% of loan amount x loan term. Processing Fee = P1 or .25% of loan amount (for 4, and up). Insurance Fee = P2 for every P1 for 3 month loan (based on table of fees. Tax (Gross Receipts Tax) = 5% of accrued interest fee and fees (except insurance). Tax (Doc. Stamp) = P1 for every P2 per annum. For savings, opening account balance is P2. No deposit is required prior to disbursement. It is assumed that savings have been accumulated from previous loan cycles. Weekly savings required is 1% of loan amount / # of weeks

Business Loan (KHR) Price Graphs

Unlad Price Graphs