Home Loan

Home loan is specially designed for purpose of purchasing, building, improving, renovating residential home and refinancing home loan from other financial institution.


Loan term
  • Up to 15 years or 180 months
Interest rate
  • Starting at 0.75% per month or 9% per year.
  • Starting from LAK 50,000,000 or USD 5,000 equivalent
Loan amount
  • Starting from LAK 50,000,000 or USD 5,000 equivalent.
Type of collateral
  • Hard title deed
  • Certificate of fixed deposit
Loan to collateral value
  • Up to 70% of the estimated value of collateral;
  • Up to 100% of the pledge account (Fixed deposit account).
Bank service charge and collateral evaluation fee
  • Bank service charge: 1% of approved limit in upfront (one time off);
  • Collateral evaluation fee: 1% approved limit in upfront (one time off).
Repayment method
  • Fixed monthly installment (principals + interests);
  • Equal monthly principals and interests declining;
  • Other repayment method is negotiable in accordance with a mutual consent basis between the Bank and borrower.
Other condition(s)
  • Borrower may be required to buy insurance (if necessary)
Required documents
  • Borrower’s identification documents: copied valid national ID card/or passport, family book, current residence certificate (original), employee ID card or government ID card;
  • Collateral documents: copied hard title of subject collateral, copied certificate of fixed deposit (if any), sale-purchase agreement/deposit agreement of subject collateral (evidence to proof deposit of collateral) and construction permit (if any);
  • Financial documents:
    • For employee or government official: monthly salary certificate/employment certificate/pay slip, bank statement, utility bill;
    • For business owner: monthly financial report for last 3 months, annual financial report for last 2 years, quotation (if any), purchase order, invoice, receipt, lease agreement (if any) and utility bill.
  • Legal documents: Copied business permit/business license (if any), copied tax registration certificate (if any), annul tax payment receipt (if any).
  • Miscellaneous documents as per requirement of the Bank (if any).


Canadia Bank Lao Ltd. Heaf Office
Canadia Bank Lao Ltd.

Unit 7, Pangkham Road, Xiengnheun Village, Chantabouly District, Vientiane Capital, Lao PDR. SWIFT Code: CADILALA Tel: (+856)-21 227 999

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Canadia Bank Plc. Head Office
Canadia Bank Plc.

315 Preah Ang Duong, Street 110, 12000 Phnom Penh, Cambodia. contact@canadiabank.com.kh

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To be recognised as the best bank in Laos.

To be the best partner to our customers and employees by leveraging on our people, technology and service delivery.

We thrive in an open environment that values the spirit of innovation, progressiveness and change, while embracing the core values of Trust, Ownership and being Performance-driven.