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Institution
Data approved: 2013-03-21
Data version: 3
Age of data: 143 months
Description
The Home Improvement loan is a unique product with special features, and for a particular purpose to carry out renovations or extensions of their existing house such as living room, kitchen, WC, fence, roof, pump-well, house painting, etc.
Any purpose Income generation x Mortgage/housing Consumer loan Agriculture Education Other household finance Other Other (2)
Credit education Group meetings Credit insurance Workplace visits Business training Other training Other Other (2) No other services x
Men x Women x Must run a business x Must own a home or land Must be a salaried worker Must be specific age group Other Other (2)
Portfolio Size by Product
Geographic Coverage
# Regions for this institution 13 # Regions for this product 6 Regions Active Battambang, Kampong Cham, Kandal, Phnom Penh, Svay Rieng, Takéo
Loan Conditions
Currency USD Minimum loan size USD 150 Maximum loan size 5,000
Loans less than USD 250 5% USD 250-1,000 30% USD 1,000-1,500 20% USD 1,500-2,000 20% USD 2,000-2,500 5% Greater than USD 2,500 5%
Shortest loan term 3.0 months Longest loan term 48.0 months Approx average 29.0 months
Loans 3 months or less 0 Between 4 and 6 months 0 Between 7 and 9 months 10% Between 10 and 12 months 10% Between 13 and 18 months 80% Longer than 18 months 0
Daily Weekly Every 2 weeks Every 4 weeks x Monthly x Every 2 months Quarterly Every 6 months Every 12 months Single end payment Irregular payments
Pricing Information
Interest
Lowest quoted nominal interest 1.80% Highest quoted nominal interest 2.50% Reason(s) why interest rate varies Branch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose Interest rate period Monthly Interest Rate Calculation Method Decl Bal Subsidized by funder request? No Is rate fixed for entire loan term Yes
Upfront Fees Fee 1 Description Credit Bureau Cambodia - CBC fee % of loan amount - min 0 % of loan amount - max 0 OR, Fixed amount - min 0.20 Fixed amount - max 2.90 Reason for variation Charge 800KHR/0.19USD for loan size <2,000,000 KHR/482USD. Charge 12,000 KHR/2.9USD for > 2,000,000 KHR Appears on Repayment Sched? Yes
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
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
Full Pricing Data
Home Improvement Loan (USD) sample s
Home Improvement Loan (USD) Price Graphs
0 100 Pricing Transparency Index Regulated Inst. Not Regulated Inst. NBFI Institution Type Business Loan Purpose TPC Institution KH-013-V03-P15 Product KH Country 2013 Year Range Number 3 Institution Data Version 0 500 1,000 1,500 2,000 2,500 3,000 Loan Size (all) 0% 10% 20% 30% Full APR (int fee ins tax dep) > 100 60 7 Number of Borrowers
