Internal Refinancing: Enables you to arrange new financing terms such as currency, amount and term of your existing First Trust Home Loan. External Refinancing: provides financing to take-over existing home loans from other financial institutions. Cash-Out Refinancing – enables you to access extra money if the value of your property has appreciated over the years.
-
5 TO 20
YEARS TO REPAY
-
2%
FACILITY FEE
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BENEFITS OF OUR DEVELOPER CONSTRCUTION PACKAGE
Loan Choices
Choose from 6 different home loan products
No Limits
No maximum loan amount (totally dependent on income)
Best Value
Competitive variable interest rate in KHR , USD, GBP or EUR
Your terms
Choose to repay your loan at the pace you're comfortable with
- Standing order from a First Trust Bank salary account
- Direct payroll deduction by employer (Workplace Banking Schemes).
- Free inter-account transfers
- On approval of your home loan, you need to take out compulsory life insurance and property insurance against fire and other perils.
Loan must be repaid in full over an agreed period by:
Insurance
- Work for any First Trust profiled organisation
- Earn a minimum net salary of KHR 2,000 or USD1,500 a month
- Be permanently employed
- Be a high net worth individual considering buy-to-let options
- Be over 21 years and under 60 years by the end of the loan term.
- Proof of income – past three months’ payslips
- Proof of past two years’ employment
- Proof of identity – passport, driver’s licence, Voter’s Identity Card
- Proof of residence
- Offer letter from developer (for Home Purchase, Developer Construction and Employee Mortgage Scheme)
- Bill of quantities, building plan and permit (for home improvement and developer construction)
- Property title documents (To begin title search)
- A Valuation Report from one of our approved valuers will also have to be given to us
- Loan will be approved subject to a positive credit bureau report
Complete a Home Loan Application form and provide the following supporting documents:
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