RHB Housing, Refinance, Overdraft loan

Unlock Your Financial Potential with RHB Loan Services

RHB Loan Services: Whether you’re buying your first home, refinancing for better terms, or need extra financial flexibility, RHB has tailored loan solutions for you. Our housing loans offer competitive rates and flexible repayment options, making homeownership accessible. Refinance loans help lower your payments or provide additional funds. Overdraft loans offer convenient extra funds linked to your account. Empower your future with RHB Loan Services and unlock your financial potential today!

Loan Campaign 2025 (New Housing Loan + Refinancing)


Product	Loan
Product Type	Housing Loan (HL), Term Loan (TL) and Overdraft (OD)
Interest Rate	1st – 2nd Year: from 6.60% p.a 3rd Year onward: from 8.00% p.a Note: • Base rate: 8.00% p.a. The discounted is applied to the base rate • Maximum discount applies when bundling up to 3 products, which will cap interest at a minimum of 6.60% p.a for the first 2 years. • 3rd year onwards: 8.00% p.a Eligible Bundling Products and Criteria: • Premier Banking (PB): min. AUM USD50,000 • Banca: min. FYP2,000 • Payroll: Active Status • DSRA: maintain 3 times of installment and earmark for 12 months. Note: Customer must sign up the bundling products prior to disbursement, otherwise base rate/approved rate will be automatically applied. DSRA: Debt Service Reserve Account
Margin of Advance (MOA)	• For New Housing Loan: Up to 70% • For Refinancing Loan: Up to 80%
Tenure	• HL: up to 25 years (maximum age 60 years) • TL: up to 15 years (standard up to 10 years) for purchase asset and refinancing. • OD: Base on annual review
Eligibility	• Housing Loan - Resident, and/or - Non-Resident with proof of Residency in Cambodia • Refinancing (HL, TL & OD): - New and Existing Borrowers of RHB Bank Cambodia Plc. - Borrowers having loans with other FIs for at least 12 months. - Borrowers with good repayment track record for the last 12 months.

Campaign Period: 03 February 2025 to 30 January 2026

Detail of the Terms and conditions: TC of Loan Campaign 2025-EN.pdf

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