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Are you planning to customize, renovate or upgrade your house, apartment, or condominium?

AYA Home Construction and Renovation (HCR) Loan provides the financial support you need to turn your plans into reality.

Features and Benefits

Loan Tenor: up to 15 Years

Loan Amount: up to MMK 3 billion

Fees and Charges

Down Payment Minimum 30%
Interest Rate 13% per annum (plus up to 2% service charge)
Early Repayment Fees 3% in the first three years

Eligibility

Myanmar citizens aged 20 to 50 years with a regular and sufficient source of income to support the loan repayment.

The applicant must own the land, apartment, condominium, or other eligible property where the construction or renovation will be carried out.

If the property is registered under a family member’s name, the registered owner may apply jointly with the applicant, subject to the Bank’s eligibility requirements.

Required Documents

  • Personal Documents
  • Income Documents
  • Guarantor Documents
  • Property Ownership Documents

How to apply

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