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Credit Products

 

 Amret's Credit Product:
1. Solidarity Credit
2. Individual Credit
    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 Loan

For more detail go to each tag below:

Solidarity


Solidarity Credit


A Solidarity Credit is micro joint-liability credit available in local and Thai Bath currency. It is designed for groups of rural people who have a specific purpose of using the loan for general business activities in order to improve their household's economy.​​​ Clients can apply for loans up to 2,000,000KHR or 15,500THB with a maximum duration of 12 months, using a declining balance calculation method.

 
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Interest Rates

Solidarity Credit
Currency Loan Size Duration
Khmer Riel 100,000 - 2,000,000 6-12 Months
Thai Baht 1,000 - 15,000

Independent Group Loan(IGL)


Independence group loan is another kind of join-liability credit that it is designed for people who need special kind of group loan which is not under VA-structure. Clients can apply for loans up to 4,000,000KHR or 32,000THB with a maximum duration of 18 months, using a declining balance calculation method.

Interest Rates

Independent Group Loan(IGL)
Currency Loan Size Duration
Khmer Riel 100,000 - 4,000,000
3-18 Months
Thai Baht 1,000 - 32,000

A Solidarity Credit from Amret offers a number of key benefits, including:

bullet Free choice of currency between KHR and Thai Baht
bullet No physical collateral requirement.
bullet Borrowing at any time within cycle
bullet Flexible installment of capital.
bullet Convenient door-to-door services for the borrowing and repayment.
bullet Being able to repay back as KHR, USD, or THB
bullet A reasonable interest rate, calculated based on outstanding balance.
bullet Flexible loan terms following your personal or business requirements.
bullet Easy and flexible group formation.
bullet No loan fees charged.


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Amret make it easy
To apply for an Amret Solidarity Loan, you'll need to follow these simple steps:

bullet
Talk to Amret's staff or any member of the village association committee located in your village.
bullet
Enter into a join-liability group ranging from 3 to 6 members.
bullet
Request a specific amount and arrange terms that are catered to your needs.
bullet
Agree to the loan terms & conditions.


Business


Business Loan


Business Loan is for individuals setting up a new business or expanding an existing enterprise. It is an ideal way for small and medium scale entrepreneurs to gain access to the capital they need.

 

Client can apply for loan up to USD 20,000 or 80,000,000 Riel or 640,000HTB with maximum loan term up to 48 months (under certain conditions) by using the declining balance calculation method with Flexible repayment declining and annuity repayment method.

 

Interest Rates

 

Micro Business loan
Currency Loan Size Duration
Khmer Riel 400,000 - 2,000,000 3 - 18 Months
2,000,100 - 8,000,000 3 - 24 months
8,000,100 - 12,000,000 3 - 36 months
12,000,100 - 20,000,000
20,000,100 - 40,000,000 3 - 48 months
40,000,100 - 80,000,000
USD 100 - 500 3 - 18 months
501 - 2,000 3 - 24 months
2,001 - 3,000 3 - 36 months
3,001 - 5,000
5,001 - 10,000 3 - 48 months
10,001 - 20,000
Thai Baht 4,000 - 20,000 3 - 18 months
20,001 - 80,000 3 - 24 months
80,001 - 200,000 3 - 36 months
200,001 - 640,000 3 - 48 months

Depending on your business seasonality, grace period can be granted up to 6 months.

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Advantages

bulletFree choice of currency between KHR, US dollar and Thai Baht.
bulletA reasonable interest rate, calculated based on outstanding balance.
bulletBorrow and repay funds at the nearest Amret branch or arrange for an Amret staff member to visit your house on the installment date.
bulletYou can make a repayment from any branches of the Amret Network in Cambodia if you need.
bulletFlexible loan terms and repayment plans that suit your business requirements.
bulletNo loan fees charged.
bulletNo admin fee in case over payment or pay off before maturity date.

Amret make it easy

To apply for an Amret Business Loan, you'll need to follow these simple steps:
bulletTalk to Amret's staff in your village or at the nearest Amret branch.
bulletRequest a specific amount and arrange terms that are catered to your needs.Provide simple information and the necessary documents - your application form will be filled in by Amret's staff.
bulletFlexible loan terms and repayment plans that suit your business requirements.
bulletClient with no individual property can apply for a loan with Amret if they can find a relative to pledge their property instead of them.

Agrifin

 

Agriculture Loan

 

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Agriculture loan is for individuals who have a specific purpose of using the loan for general agricultural activities such as: crop credit, animal rearing, and animal breeding, investment (small equipment, animals, and agriculture land). It is an ideal way for small and medium scale entrepreneurs to gain access to the needed capital.

Client can apply for loan up to USD 20,000 or 80,000,000 Riel or 640,000HTB with with maximum loan term up to 48 months (under certain conditions) by using the declining balance calculation method with Flexible repayment declining and annuity repayment method. Depending on your business seasonality, grace period can be granted up to 6 months.

 

Interest Rates

Micro Agriculture loan
Currency Loan Size Duration
Khmer Riel 12,000,100 - 20,000,000 3 - 36 months
20,000,100 - 40,000,000 3 - 48 months
40,000,100 - 80,000,000
USD 3,001 - 5,000 3 - 36 months
5,001 - 10,000 3 - 48 months
10,001 - 20,000
Thai Baht 120,001 - 200,000 3 - 36 months
200,001 - 640,000 3 - 48 months

Advantages

bulletFree choice of currency between KHR, US dollar and Thai Baht.
bulletA reasonable interest rate, calculated based on outstanding balance.
bulletBorrow and repay funds at the nearest Amret branch or arrange for an Amret staff member to visit your house on the installment date.
bulletYou can make a repayment from any branches of the Amret Network in Cambodia if you need.
bulletFlexible loan terms and repayment plans that suit your business requirements.
bulletNo loan fees charged.
bulletNo admin fee in case over payment or pay off before maturity date.

 

DSC_0060 DSC_0060


Amret make it easy

To apply for an Amret Agriculture loan, you'll need to follow these simple steps:
bulletTalk to Amret's staff in your village or at the nearest Amret branch.
bulletRequest a specific amount and arrange terms that are catered to your needs.
bulletProvide simple information and the necessary documents - your application form will be filled in by Amret's staff.bulletFlexible loan terms and repayment plans that suit your business requirements.
bulletClient with no individual property can apply for a loan with Amret if they can find a relative to pledge their property instead of them.

Home Improvement

 

Home Improvement Loan


DSC_0060 Home-Imp

 

Home Improvement Loan provides individuals with the necessary funds to carry out renovations or extensions of their existing house (i.e. fence, roof, kitchen, WC, living room, etc.)

Client can apply for loan up to 15,000USD or 60,000,000 Riel or 480,000THB with maximum loan term 48 months by using the declining balance calculation method with declining and annuity repayment method.


Interest Rates

Home Improvement Loan
Currency Loan Size Duration
Khmer Riel 400,000 - 2,000,000 3 - 18 months
2,000,100 - 8,000,000 3 - 24 months
8,000,100 - 12,000,000 3 - 36 months
12,000,100 - 20,000,000
20,000,100 - 40,000,000 3 - 48 months
40,000,100 - 60,000,000
USD 100 - 500 3 - 18 months
501 - 2,000 3 - 24 months
2,001 - 3,000 3 - 36 months
3,001 - 5,000
5,001 - 10,000 3 - 48 months
10,001 - 15,000
Thai Baht 4,000 - 20,000 3 - 18 months
20,001 - 80,000 3 - 24 months
80,001 - 200,000 3 - 36 months
200,001 - 480,000 3 - 48 months


Advantages

bulletFree choice of currency between KHR, US Dollar and Thai Baht
bulletA reasonable interest rate, calculated based on outstanding balance.
bulletBorrow and repay funds at the nearest Amret branch or arrange for an Amret staff member to visit yourhouse on the installment date.
bulletYou can make a repayment from any branches of the Amret network in Cambodia if you need.
bulletFlexible loan terms and repayment plans that suit your business requirements.
bulletNo loan fees charged
bulletNo admin fee in case over payment or pay off before maturity date.


Amret make it easy

To apply for an Amret Home Improvement Loan, you'll need to follow these simple steps:
bulletTalk to Amret's staff in your village or at the nearest Amret branch.
bulletRequest a specific amount and terms that are catered to your needs.
bulletProvide simple information and the necessary documents - your application form will be filled in by Amret's staff.
bulletClient with no individual property can apply for a loan with Amret if they can find a relative to pledge their property instead of them.

 

Consumption


Consumption Loan

 

consumption consumption

 

Consumption Loan is for individuals intending to purchase household equipment or personal items, such as a vehicle, a computer, some furniture, a refrigerator, a television, a generator, etc. They can also use this loan to pay for tuition fees for high school, technical school, university and post-graduate studies to enhance family's member capacity.

 

Client can apply for loan up to 10,000USD or 40,000,000 Riel or 400,000THB with maximum loan term 36 months by using the declining balance calculation method with declining and annuity repayment method.

 

Interest Rates

Secrue Comsumption Loan
Currency Loan Size Duration
Khmer Riel 400,000 - 2,000,000 3 - 18 months
2,000,100 - 8,000,000 3 - 24 months
8,000,100 - 12,000,000 3 - 36 months
12,000,100 - 20,000,000
20,000,100 - 40,000,000 3 - 48 months
USD 100 - 500 3 - 18 months
501 - 2,000 3 - 24 months
2,001 - 3,000 3 - 36 months
3,001 - 5,000
5,001 - 10,000 3 - 48 months
Thai Baht 4,000 - 20,000 3 - 18 months
20,001 - 80,000 3 - 24 months
80,001 - 200,000 3 - 36 months
200,001 - 400,000 3 - 48 months

 

Advantages

 bulletFree of choice of currency between KHR, US Dollar and Thai Baht
bulletA reasonable interest rate, calculated based on outstanding  balance.
bulletBorrow and repay funds at the nearest Amret branch or arrange for an Amret staff member to visit your house on the arranged installment date.
bulletYou can make a repayment from any branches of the Amret network in Cambodia if you need.
bulletFlexible repayment loan terms and plans that suit your business requirements.
bulletNo loan fees charged.
bulletNo admin fee in case over payment or pay off before maturity date.

 

Amret make it easy

To apply for an Amret Consumption Loan, you'll need to follow these simple steps:

bulletTalk to Amret's staff in your village or at the nearest Amret branch.
bulletRequest a specific amount and arrange terms that are catered to your needs.
bulletProvide simple information and the necessary documents - your application form will be filled in by Amret's staff.
bulletClient with individual property can apply for loan with Amret if they can find a relative to pledge their property instead of them.

 

Bio-degester


Bio-digester Loan


Bio-digester Loan is designed for individuals intending to build a bio-digester plant in order to improve their living standard and contribute to reduction of   environment pollution.

Client can apply for loan up to 1,000 USD with interest rate 1.2% and maximum loan term 24 months by using a declining balance calculation method with declining and annuity repayment method, including up to 3 month grace period.

 

Bio2 Bio2

Advantages

bulletVery low interest rate.
bulletReceive 150 US dollar free from NBP to repay loan.
bulletBorrow and repay funds at the nearest Amret branch or at your house. One more thing, you can make a repayment from any branches of the Amret network in Cambodia if you need.
bulletYou can make a repayment from any branches of the Amret Network in Cambodia if you need.
bulletFlexible loan terms and repayment plans that suit your business requirements.
bulletNo loan fees charged.
bulletAfter the two first months of repayment, no penalty in charged in case client wants to pay off before maturity

    date. Otherwise, client is available to use $150 from NBP to be paid off/paid over amount without admin fee

    charging even in during first two installments
bulletSave money in average 12 US dollar per month.
bulletHelp to protect the environment in society.

 

Bio Bio-Gass

 

Amret make it easy

To apply for an Amret bio-digester loan, you'll need to follow these simple steps:

bulletTalk to Amret's staff in your village or at the nearest Amret branch.
bulletRequest a specific amount and arrange terms that are catered to your needs.
bulletProvide simple information and the necessary documents - your application form will be filled in by Amret's staff.
bulletClient with no individual property can apply for a loan with Amret if they can find a relative to pledge their property instead of them.


SME


SME Loan

 

SME Loan

The SME Credit product line is diversified to provide to existing small and medium enterprises funds (commerce, manufacturing, service, agriculture), to expand their existing business by financing working capital and/or investment, or to diversify their activities by creating a new business.

 

Client can apply for loan up to USD 70,000 with maximum loan term up to 48 months (under certain conditions) by using the declining balance calculation method with declining, annuity and flexible repayment mode.

Grace period can be granted in such period depending on your business seasonality.

 

Interest Rates

Small Business loan
Currency Loan Size Duration
USD 20,001 - 70,000 3-60 Months

 

Advantages

bulletA reasonable interest rate calculation, calculated based on outstanding balance.
bulletBorrow and repay funds at the nearest Amret branch.
bulletThe repayment is also acceptable through money transfer from any branches of Amret network in Cambodia.
bulletFlexible loan terms and repayment plans that suitable for your business requirements.
bulletNo required loan fees charged.
bulletNo admin fee in case over payment or pay off before maturity date.

 

Amret make it easy

To apply for an Amret SME loan, you'll need to follow these simple steps:

bulletTalk to Amret's staff in your village or at the nearest Amret branch.
bulletRequest a specific amount and arrange terms that are catered to your needs.
bulletProvide simple information and the necessary documents - your application form will be filled in by Amret's staff.
bulletApplicant who has no owner property is still eligible to request for loan with Amret if they can find his relative to pledge adequate property instead.

Housing Loan

Housing Loan

Small Housing Loan provides individuals Salary Earner, micro and small entrepreneurs and farmer who have regular income between 300 to 2,000USD per month at rural, semi-urban and suburb to buy or build new house on their ownership land.


Client can apply for loan up to 20,000USD or 80,000,000 Riel or 640,000THB with maximum loan term 60 months by using the declining balance calculation method with declining and annuity repayment method.

Interest Rates
 
Small Housing Loan
Currency Loan Size Duration
Riel 4,000,000 - 20,000,000 3 - 48 months
60,000,001-80,000,000 3-60 months
20,000,0001-60,000,000 3-60 months
USD 1,000-5,000 3-48 months
5,001-15,000 3-60 months
15,001-20,000 3-60 months
THB 40,000-200,000 3-48 months
200,0001-480,000 3-60 months
480,001-640,000 3-60 months

Advantages

bulletYou can make a repayment from any branches of the Amret network in Cambodia if you need.
bulletFlexible loan terms and repayment plans that suit your business requirements.
bulletNo loan fees charged
bulletNo admin fee in case over payment or pay off before maturity date.
bulletEspecially, client is able to top up loan up to 30% of original borrowing amount if unexpected expense occurs during construction period.


Amret make it easy

To apply for an Amret Loan Small Housing Loan, you'll need to follow these simple steps:

bulletTalk to Amret's staff in your village or at the nearest Amret branch.
bulletRequest a specific amount and terms that are catered to your needs.
bulletProvide simple information and the necessary documents - your application form will be filled in by
    Amret's staff Client with no individual property can apply for a loan with Amret if they can find a relative
    to pledge their property instead of them.



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