Loan Agreement & Land Pledge Template

Secure your capital. Download a comprehensive, legally compliant agreement designed for secured lending in Cambodia.

Why a Written Agreement is Non-Negotiable

Lending capital involves risk. Without a clear paper trail, you jeopardize your financial security. A Loan Agreement with a Land Pledge provides:

Legal Standing: Creates a binding record enforceable in court.
Clarity: Clearly defines repayment schedules, interest rates, and obligations.
Security: Uses land as collateral, significantly reducing the lender's risk.

Proper documentation doesn't just protect assets; it preserves relationships by establishing clear ground rules from day one.

Critical Legal Requirement

Collateral Requires Writing. Because this agreement involves immovable property (land) as collateral, Cambodian law requires it to be in writing and signed by all parties. Verbal agreements for secured loans are legally fragile and often unenforceable.

The Rebase Legal Advantage

We don't do generic. Our templates are crafted specifically for the Cambodian legal context, ensuring enforceability and practicality.

Key provisions included:

Comprehensive party identification.
Ownership guarantees for the collateral.
Precise description of property and title documents.
Balanced rights and obligations for both Lender and Borrower.
Clear mechanisms for termination, renewal, and dispute resolution.

Anatomy of a Secured Loan

Identity Verification: Ensures all parties are legally verified to prevent fraud.
Collateral Precision: Accurate land descriptions to establish exclusive rights and prevent third-party claims.
Defined Duties: Explicit obligations to minimize non-compliance.
Exit Strategies: Clear terms for ending or extending the agreement.
Dispute Resolution: Pre-agreed methods for handling breaches and damages.

Customizable Terms

Tailor the rights and obligations to fit your specific deal, provided they do not contradict Cambodian law.

Pro Tip: Define Repayment

Be specific. Example: "Principal is due at the end of the term, with interest payments made monthly."

Pro Tip: Interest & Penalties

Put it in writing. Cambodian law requires interest rates and late fees to be explicitly stated in the contract to be enforceable.

Who Should Use This Template?

Lenders:

Protect your investment.
Secure legal evidence.
Formalize repayment terms.

Borrowers:

Clarify your obligations.
Ensure transparent and fair terms.

Frequently Asked Questions

It is a contract where a lender provides funds to a borrower. In return, the borrower pledges property (land/house) as security. If the borrower fails to repay, the lender has a legal claim on the collateral.

Any Khmer citizen or foreign resident in Cambodia with legal capacity (adults not under guardianship) can enter into this agreement. It must be done voluntarily.

Immovable property (such as land, a house, or a condo) can be used. This secures the loan and grants the lender foreclosure rights if repayment fails.

Agreements that violate the law, lack essential conditions, or contravene public order are void. They cannot be used as evidence in court.

No. For secured loans involving land, a written contract is non-negotiable to serve as valid legal evidence.

Principal Amount (and currency), Interest Rates (must be written), Collateral Description (title details), and the Loan Duration.

Typically upon full repayment. It can also be terminated for breach of contract, failure to perform, or by mutual agreement.

It provides repayment assurance for the lender, clarity for the borrower, and creates a legally binding relationship that protects both parties.

Downloads:

Loan and Pledge Agreement

free

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