Home & Auto Loan Repayment Calculator Cambodia

About this tool

The Home and Auto Loan Repayment Calculator works out the monthly repayment, the total interest and the loan-to-value ratio for a house, a car or a moto bought on credit in Cambodia, in riel or US dollars. Enter the purchase price, the down payment as a percentage or a fixed amount, the term in years and the annual rate, and the page returns the monthly repayment, the total interest, the total cost, the LTV ratio and a year-by-year chart of how much of each year goes to principal and how much to interest. The full schedule opens month by month and exports as CSV. It is written for the two purchases that dominate household debt here: a house or a unit in a Borey development, and a vehicle bought on hire purchase from a dealer. It uses the reducing-balance method only — interest is charged on the balance still outstanding each month — so a dealer quote written on flat interest will look cheaper here than it really is. It does not model credit-life insurance, valuation or registration fees, a variable rate, a grace period, a balloon payment, or a staged payment plan from a developer, and it does not quote any lender rate. It is an estimate, not an approval, and not financial advice.

How it works

The calculation is the local `computeLoan` function in `home-auto-loan-calculator-client.tsx`, with `buildSchedule` beside it. The loan principal is the price minus the down payment; a down payment above the price is rejected by the form rather than producing a negative loan. The monthly repayment is the standard annuity formula M = P × r × (1+r)ⁿ ÷ ((1+r)ⁿ − 1), with r the annual rate divided by 12 and n the term in years times 12; at a 0% rate the principal is simply divided by the number of months. The schedule then walks the loan month by month while the balance is above 0.01 and the month count is under 600, charging interest on the opening balance and capping the principal part at what remains, so the loan always terminates. LTV is the principal divided by the purchase price, as a percentage. An extra monthly payment is applied to a second copy of the schedule and the difference in total interest is shown as interest saved, while the headline repayment, total interest and total cost stay on the base schedule. The year summary adds the monthly rows into a principal-versus-interest bar per year. The form accepts a term of 1 to 40 years and a rate of 0.1 to 50%; the Home and Auto buttons change the labels and the rate guidance only, never the arithmetic.

Use cases

• A family pricing a unit in a Borey development and deciding how much down payment to commit
• A buyer checking the monthly repayment on a used car financed through a dealer at 48 months
• A moto buyer comparing a two-year hire-purchase plan against a three-year one
• A borrower seeing how an extra 200 dollars a month shortens a fifteen-year home loan
• A couple testing whether a 30% down payment brings the repayment within their monthly budget
• A property agent showing a client the split between principal and interest in the first three years
• An accountant reconstructing a lender repayment schedule to check the interest charged in year one

Frequently asked questions

• What is LTV, and why does the page show it?

  LTV is loan-to-value: the loan amount divided by the purchase price, as a percentage. A 30,000 dollar loan on a 40,000 dollar property is 75% LTV, which is the same as saying the buyer paid 25% as a down payment. It is shown because it is the one number that summarises how much of the asset the lender is financing, and because the down payment field changes it directly. This page does not tell you what LTV a particular lender will accept.

• Does this calculator use flat or reducing-balance interest?

  Reducing balance only. Interest is charged each month on the outstanding balance, so the interest part falls over the term and the principal part rises. There is no switch to flat interest. That matters for vehicle finance in particular, where dealer quotes are sometimes written on flat interest: entering a flat rate here treats it as a reducing-balance rate and understates the true cost of that offer.

• How much more does a flat-rate car loan cost?

  On a 50,000 dollar loan over 60 months, a 6% flat rate produces 15,000 dollars of interest and a fixed payment of 1,083 dollars. An 8% reducing-balance loan on the same amount produces 10,829 dollars of interest and a payment of 1,014 dollars. The flat offer carries the lower headline rate and costs 4,171 dollars more. To compare a flat quote properly, open the loan offer comparison tool and set that offer to flat so the effective annual rate is computed from the cash flows.

• Why does the page not show current bank rates?

  Because a rate table goes stale faster than anything else on a page like this, and quoting one lender as the market would be a claim this site cannot support. The rate you type should be the one written in your loan agreement or quoted in writing by the lender, including any promotional period and what the rate becomes afterwards. If the rate is fixed only for the first year, run the calculation twice — once at the promotional rate and once at the rate that follows it.

• How does a larger down payment change the numbers?

  It reduces the principal, so the monthly repayment, the total interest and the LTV all fall; the chart shows the interest share shrinking too. It does not change the rate in this calculator, because the rate is an input, not something the tool derives from LTV. Whether a lender offers a lower rate for a lower LTV is a commercial decision you have to ask about, and the answer belongs in the rate field once you have it in writing.

• Can I model extra monthly payments?

  Yes. The extra payment field applies an additional amount to the principal every month and the page reports the interest saved and the shorter payoff. The headline monthly repayment stays at the contractual figure, because that is what the lender will debit; the extra is on top. A lender may impose a fee or a minimum for overpayment, and some fixed-rate contracts restrict it, so check the agreement before relying on the saving.

• What is left out of the estimate?

  Credit-life insurance, which many Cambodian lenders require and which is usually charged as a percentage of the loan at signing; valuation, legal and registration fees on a property; dealer documentation fees on a vehicle; a variable or promotional rate that resets; a grace period during construction; a balloon or final instalment; and any developer payment schedule that is not a straight amortising loan. Each of these can move the real cost by several percent, so add them before comparing two offers.

• Is this an official repayment figure or an approval?

  No. It is an estimate from the standard amortisation formula and the numbers you typed. It does not connect to any bank, does not check affordability or credit history, and cannot approve a loan. Your lender computes the contractual repayment with its own rate, fees, insurance and rounding, and that contract is the only figure that binds either side. Treat this page as a way to arrive at the meeting prepared.

Data and accuracy

Content last reviewed 21 October 2026