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Frequently Asked Questions about Buying a House in Cambodia
Q1: Is Cambodia anti-Chinese? Is it friendly to Taiwanese?
A: 1. Because China has provided a lot of assistance to Cambodia for a long time, Cambodia is very pro-China, friendly to China and not exclusive of China.
2. There are quite a lot of Taiwanese businessmen engaged in manufacturing in Cambodia, and Cambodians are also popular in learning Chinese. In addition to Cambodian, Chinese and English are commonly used in local sign shops.
Q2: Does Cambodia allow foreigners to own legal real estate property rights?
A: 1. It has been four years since Cambodia opened the door for foreigners to buy and sell real estate in 2010.
2. Foreigners can freely buy and sell apartments in the building under their own names only with their passports.
Q3: Why invest in real estate in Phnom Penh?
A: 1. Strong growth: Cambodia's economic growth rate is 7%, and Taiwan's is 2%. Do you want to invest in a company that makes $7 or a company that makes $2?
2. The base period of housing prices is low and the growth rate is large: Phnom Penh is the capital, and the current housing prices are just about to rise (similar to Taiwan's real estate in the 1980s when it just started to rise, and the increase is calculated in multiples).
3. High rental income: the annual rental return rate is about 10%
4. High interest income: The deposit interest in Phnom Penh is at least 4-5%, much higher than Taiwan's 1%.
5. The economic outlook is bright:
[Next year ASEAN launch: zero tariffs] + [low base period] + [40% of the population is under the age of 14: demographic dividend] + [the world's cheapest labor force] + [political stability] + [economic openness]
Q4: What taxes and fees will there be in housing sales?
A: 1. The concept and ability of the Cambodian government's taxation is still in its infancy. There is no luxury tax, inheritance tax, etc., only 4% transaction tax (or "name change fee") and an administrative fee of about 1,000 US dollars. Because the buyer is responsible for the 4% transaction tax and administrative fees for renaming, so you must think about whose name will be registered when you hand over the house.
Q5: What is the difference between land and house titles and Taiwan?
A: 1. Cambodia is different from Taiwan. There is a choice between land and housing titles; if there is a land title, there is no real estate certificate, and if there is a real estate certificate, there is no land title.
2. For example: if a house is built on a piece of land, the government will only give a certificate of title to the land;
Another example: a collective housing is built on a piece of land, the government will issue the construction permit first, and then issue it after the construction is completed.
Individual real estate certificates (the original land title certificates are recovered by the Ministry of Land and Resources).
3. The real estate certificate is the complete property right. The rights of foreigners are exactly the same as those of domestic people, and they can also take loans in banks. The right to remodel in the future will also be distributed according to the proportion of the owner's real estate certificate.
Q6: Is the sales site freehold? What is the difference with the 99-year lease?
A: 1. Permanent property rights: The buyer has a real estate certificate issued by the Ministry of Land and Resources of the government (similar to the certificate of title in Taiwan), which is permanently owned and guaranteed by the government.
2. In a 99-year lease, the developer and the government lease the land for development and sales (similar to BOT). What the buyer gets is the certificate of title from the developer instead of the real estate certificate.
3. The risk of a 99-year lease: The developer may sell more than one house. In case the developer collapses, the buyer has no guarantee.

Frequently Asked Questions about Buying a House in Cambodia
07: How to handle the inheritance of the house? What are the taxes and fees?
A: 1. The owner's government must present the proof of the relationship between the heir and the owner's immediate family, and the Ministry of Land and Resources will receive the certificate
After the announcement, the succession can only be done after there is no objection within the specified period (three months).
2. There is only a 4% transaction tax and an administrative fee of about US$1,000 for Cambodian house transfers.
Q8: What should I do if the real estate certificate is lost?
A: The homeowner goes to the Ministry of Land and Resources to apply for an announcement, and can apply for a new real estate certificate only after there is no objection within the specified period (three months).
Q9: Do I need to report the rental income? How much is the tax?
A: The tax enforcement in Puzhai is very poor. Generally, there is no income tax on house rentals (the law stipulates 14%).
2. House tax: about 10 dollars a year for a one-bedroom house. The cost of holding is low.
Q10: How to deal with the sale of the house before the completion of the house?
A: 1. If the house buyer has already found a buyer, the original house buyer must personally go to the builder with the buyer to renew the contract; or the original house buyer gives the power of attorney to the builder, and the builder can renew the contract with the new buyer.
2. House buyers can also entrust an intermediary to sell on their behalf.


Cambodia Construction Project


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有鑒於柬埔寨經濟蓬勃發展,臺商赴柬埔寨投資持續增加,為加速擴展當地金融市場,深化客戶服務,合庫(5880-TW)董事會 通過在金邊市下轄之森速區及菩森芷區申設德他拉及菩森芷二 家支行,這是合庫啟動2年增設5個海外營業據點的項目之一, 也是布局亞洲市場的重要前哨站。
合庫表示,金邊分行自去(2013)年3月成立以來,對臺商及當地 客戶提供各項存放款、外匯及貿易融資等服務,甫成立三個月 即單月損益兩平,營運績效穩定成長,奠定在柬埔寨之穩固根 基。基於臺柬雙邊貿易日益頻繁,臺商及外資投資快速成長, 企業資金需求殷切,存放款利差相對較我國高等有利之經營環 境下,深耕柬埔寨確實有業務發展機會。
此外,柬埔寨經濟成長率目前維持在7%左右,是東協自由貿易 區會員國,經濟及人口成長較為快速發展之區域,客戶群聚效 應逐漸顯現,便於外勤活動安排。因此,於金邊市增設支行將 可發揮地利之便,爭攬鄰近區域業務,擴大服務客群,並可取 得未來進入東協貿易區龐大市場之商機。




Cambodian file