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Staff Loan
Provide short to medium-term loans to salaried employees to support their personal needs such as healthcare, education, emergencies, or family needs.
Overview
Provide short to medium-term loans to salaried employees to support their personal needs such as healthcare, education, emergencies, or family needs.
Key Features
- Loan Amount Up to 8 times monthly salary, maximum LAK 50 million
- Loan Term From 6 to 18 months
- Interest Rate 3.5% per month on reducing balance (flat rate option optional)
- Loan Fee 5% of loan amount (deducted upfront)
- Disbursement Only to BCEL or LDB accounts
- Repayment Monthly, via bank transfer or direct debit
Benefits
🕒 Fast Approval in 24 hours
Eligibility Criteria
- Employment Status Full-time employees (private or government)
- Minimum Tenure At least 5 months at current company
- Guarantor Must have 1 personal guarantor (friend or family) with valid ID
- Proof of Income Last 3 months payroll statement or bank statement showing salary
- No Overdue Debts Must not be in default with other financial institutions (checked via CIB)
Required Documents
- Copy of National ID
- Copy of Household Book
- Employment certificate
- Last 3 salary slips or bank statement
- Guarantor’s ID and contact
- Signed loan agreement and promissory note