[PHNOM PENH POST]
HOME buyers are making increased use of mortgages for purchases in
Cambodia, as the market “slowly wakes up”, according to experts.
Commercial
banks had slowed direct loans to property development in the wake of
the 2008 global financial crisis, though mortgage lending has
increasingly filled the space, said National Valuers Association of
Cambodia President Sung Bonna.
“It has helped a lot with
gradually improving the whole industry,” he said. “There are now lots of
opportunities, especially home loan services for individual people –
that’s the main driver for growth.”
Canadia Bank Vice President
Dieter Billmeier said the bank had extended some $79 million in mortgage
loans to 1,100 customers by the end of 2010.
“We give mortgage loans for up to 8 years, with interest rates averaging between 10 – 12 percent,” he said.
“I
also can see in the last 5 months increasing imports of construction
material, the market is ‘waking up’ again, slowly but steadily.”
ANZ
Royal Bank CEO Stephen Higgins said the bank offers mortgages to retail
and individual customers for up to 20 years, but added it did not focus
on lending to property development projects.
“Property
development is simply too risky. In terms of the property market,
generally it is still quite soft and probably is still over-valued,” he
said.
Still, bankers said mortgage lending was becoming more popular in the Kingdom.
HwangDBS
Commercial Bank General Manager Han Peng Kwang said the bank had
allocated about 25 percent of its loan portfolio to housing loan
products.
A few key factors supporting vibrant investment and
robust home ownership are in place, such as growth in retail and
business loans as well as a regulatory framework protecting private
property, though some steps need to be taken, he said.
“Our local legal framework needs to develop further such that there is greater confidence,” he said.
“We
want to assist in the growth by providing housing loans to individuals
to enable them to purchase their own residential houses. As a result,
developers will be able to sell more houses and contribute the growth of
the economy.”
Independent economist Kang Chandararot urged
Cambodian financial players to begin offering real-estate loans as the
domestic economy continues to improve.
“We should try to [extend
housing loans], but it could be made a bit easier with some conditions
or lowering interest rates on housing loans,” he said.
However,
many people and real-estate sector players had been hard hit by the
crisis, and had lost confidence in the sector, he added.
The global economy is still facing threats from food hikes, rising inflation, and fluctuating oil prices, he said.
Sung Bonna said the real-estate and construction sectors had shown improvements on last year.
“I
am seeing positive signs from the recovery of the sector, as the flow
of FDI and increase in international interest from countries like Japan,
Malaysia, Singapore and Vietnam – it’s a good sign for the improvement
of the industry overall,” Sung Bonna said.
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