About this tool
The Cambodia Home & Auto Loan Repayment Calculator helps you plan your biggest financial commitments — buying a home in a Borey development or financing a car or moto — with clarity. Enter the property or vehicle price, your down payment, loan term in years, and annual interest rate in KHR or USD to instantly see your estimated monthly repayment, total interest cost, and loan-to-value (LTV) ratio. A year-by-year amortization chart shows exactly how your payments split between principal and interest over time, and the full repayment schedule is available to export as CSV.
How it works
Select Home Loan or Auto Loan, then enter the purchase price and your down payment (as a percentage or fixed amount). The loan amount is computed as Price minus Down Payment. Set your loan term in years and annual interest rate. The calculator uses the standard fixed-rate amortization formula to compute your fixed monthly payment and builds a complete repayment schedule. Results include monthly payment, total interest, total cost, and LTV ratio. The bar chart summarises principal vs interest paid per year. Use "Show full schedule" to see month-by-month detail and export it.
Use cases
- Planning a Borey home purchase and comparing down payment options
- Estimating monthly payments for a Toyota, Lexus, or other vehicle on hire-purchase
- Comparing KHR vs USD financing from ACLEDA, ABA, or Canadia Bank
- Understanding how a larger down payment lowers your monthly repayment
- Checking your loan-to-value ratio before applying for a mortgage
- Reviewing how extra monthly payments cut total interest and payoff time
- Teaching clients about amortization in a financial planning session
Frequently asked questions
What is LTV (Loan-to-Value)?
Loan-to-Value (LTV) is the ratio of the loan amount to the purchase price, expressed as a percentage. A 20% down payment gives an 80% LTV. Cambodian banks typically require LTV below 70–80% for home loans. A lower LTV often means better interest rates and lower risk.
What interest rates do Cambodian banks offer for home loans?
Rates vary by lender, loan size, and currency. As a general guide (verify directly with each bank): USD home loans typically range from 8–12% per year at ACLEDA, ABA, Canadia, and PPCBank. KHR loans often carry a premium of 3–5 percentage points. Auto/vehicle financing through LOLC or other MFIs can range from 15–28% annually. Always confirm the current rate directly with the lender.
What is the difference between Home and Auto loan modes?
Both modes use the same amortization calculation. Selecting Home Loan changes the labels to Property Price and LTV, which is relevant when applying for a mortgage. Auto Loan mode uses Vehicle Price terminology. You can use either mode for any fixed-rate repayment scenario.
How does a larger down payment affect my loan?
A larger down payment reduces the principal you borrow, which directly lowers your monthly payment and total interest paid over the life of the loan. It also lowers your LTV ratio, which may help you qualify for a better interest rate.
Can I include extra monthly payments?
Yes. Enter an optional extra monthly payment amount to see how it shortens the total loan term and reduces the total interest paid. The amortization schedule will reflect the accelerated payoff.
Are the results official or guaranteed?
No. All results are estimates based on the inputs you provide and standard amortization formulas. Actual loan terms, fees, insurance, and rates from your bank may differ. Always confirm with your lender before signing.
Data and accuracy
Calculations use standard fixed-rate amortization formulas. Interest rate hints are approximate market ranges for Cambodia as of 2025–2026 and are not guaranteed. Verify rates with ACLEDA Bank, ABA Bank, Canadia Bank, PPCBank, LOLC, or your preferred lender.