Property in Cambodia: buying and support

Phnom Penh and the coast: a foreigner owns an apartment on the first floor and above, but never land. Title type matters more than price.

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Listings in our catalogue
€117,090
In our catalogue from

Why Cambodia

  • Full ownership under the 2010 law

    Condominium units are registered to foreigners in full ownership under the 2010 law on foreign property ownership.

  • A lower entry than Thailand

    A low entry cost compared with neighbouring Thailand, in a growing Phnom Penh city market.

  • The title type decides everything

    A 'hard' title is issued at the national level and is stronger than a 'soft' one registered only locally — we check exactly this, not just the price.

  • Honestly, a 70% quota per building

    Foreign ownership in any given building is capped at seventy percent — we check the quota before the deal.

  • Honestly, about taxes: nothing unconfirmed

    Public sources on Cambodian taxation are inconsistent — we do not publish figures we cannot confirm, and check rates with a local lawyer.

Investments from €117,090

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How the purchase works

  1. 1

    We map your goal

    Goal and budget — they determine which format and building fit.

  2. 2

    We check the title type

    The decisive step: a 'hard' title or the weaker 'soft' one.

  3. 3

    We check the building's quota

    The foreign quota and the floor of the specific unit — apartments are available from the second floor up.

  4. 4

    The sale contract

    We sign the contract on agreed terms.

  5. 5

    Registering the strata title

    We register the strata title in the foreign owner's name.

  6. 6

    We check the resale liquidity

    Units with a registered strata title resell noticeably more easily — we factor this into the exit plan.

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Frequently asked questions

Can a foreigner own an apartment in Cambodia?+

Yes, a condominium unit on the first floor or above, outright under strata title, in accordance with the 2010 foreign property ownership law. A foreigner may not own land, ground-floor units or houses.

What is the 70% quota?+

It is the maximum share of a building's floor area that may be foreign-owned. The remaining thirty per cent must belong to Cambodian citizens or legal entities. Available quota is checked before the deal.

How does hard title differ from soft title?+

Hard title is issued at national level and is the most reliable form of proof of ownership. Soft title is registered only locally and is less well protected in a dispute. This distinction is critical and is checked first.

Why can a foreigner not own land?+

The constitution of Cambodia reserves the right to own land to citizens and Cambodian legal entities. That constitutional provision cannot be overridden by ordinary legislation, so any workaround structure carries elevated risk.

Does buying property grant residency?+

Not automatically. Long stays in Cambodia are arranged through separate visa categories not tied directly to acquiring a home.

What taxes apply on the transaction and ownership?+

On the transaction, transfer tax and registration fees, with legal services and agency commission charged separately. Annually, property tax. Exact figures are confirmed by a local lawyer: public sources on this market are inconsistent.

Will a bank lend to a foreigner?+

Mortgages for foreigners in Cambodia are largely unavailable and expensive. The main financing route is own funds or a developer payment plan when buying off-plan.

Do you have property in Cambodia?+

Yes, there are listings in our catalogue. Given how much title type matters in this market, we check the title and available foreign quota separately for each property before any money moves.

In our catalogue from
€117,090
EU member
No

Overview

In Cambodia the constitution reserves the right to own land to citizens and Cambodian legal entities. A foreigner may own a condominium unit on the first floor and above, and the reliability of the deal turns on the type of title.

Why buy here

Condominium units are registered to foreigners outright under the 2010 foreign property ownership law. A lower entry price than neighbouring Thailand. Phnom Penh is a growing urban market with an inflow of foreign professionals.

Taxes, costs and yield

Benchmarks for taxes, purchase and holding costs and rental yield. Exact figures depend on the property and your situation.

Taxes

On the transaction, transfer tax and registration fees. Annually, property tax at the statutory rates.

Costs & taxes

Transfer tax and registration fees are payable on the transaction, with legal services and agency commission charged separately. Annually, property tax is payable at the statutory rates. Exact figures are confirmed by a local lawyer: public sources on Cambodian property taxation are inconsistent, and we do not publish figures we cannot verify.

Buying process

1. Establish the title type — the decisive step. A distinction runs between "hard" title, issued at national level, and "soft" title, registered only locally: the latter is weaker in a dispute. 2. Check the foreign quota in the specific building and the unit's floor. 3. Sale contract. 4. Registration of strata title in the foreign owner's name.

Mortgages

Mortgages are largely unavailable and expensive for foreigners. The main routes are own funds or a developer payment plan.

Residence & visas

Buying property in Cambodia does not grant residency automatically. Long stays are arranged through separate visa categories not tied directly to acquiring a home.

Investment notes

A property's resale liquidity depends directly on title type: units with registered strata title sell noticeably more easily. The market is young and reliable data is limited, so assessment rests on specific properties and local verification.

Risks to consider

What to bear in mind: — the constitution reserves the right to own land to Cambodian citizens and legal entities, and ordinary legislation cannot override that provision; — a foreigner may not own land, ground-floor units or houses; apartments on the first floor and above are available; — foreign ownership in a building is capped at 70% — the quota is checked before the deal; — the distinction between "hard" and "soft" title is critical: soft title is registered only locally and is less well protected in a dispute. Checked in September 2026. Thresholds, rates and programme terms change — confirm the current requirements with a lawyer in the country before you buy.

Estimate costs and yield

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Figures are indicative, change over time and depend on the specific property and your circumstances. Obtain independent legal, tax and financial advice before any purchase.

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