Cambodia:

Buyers' Guide

Buyers' guide to purchasing property in Cambodia's housing market

Contents

Introduction

Cambodia is a constitutional monarchy. The present King is his Majesty Norodom Sihamoni who acceded to the throne in 2004.1

Cambodia has a bicameral legislature, which consists of the National Assembly and the Senate. The country's judicial system is primarily a civil law mixture of French-influenced codes from the United Nations Transitional Authority in Cambodia (UNTAC) period, royal decrees, and acts of the legislature, with influences of customary law and remnants of communist legal theory; increasing influence of common law.

In general, it is prohibited for foreigner, either a natural person or legal entity, to own land in Cambodia. Foreigners may be able to acquire ownership of immovable property via incorporating a joint venture company with Cambodian private individual or entity, and such JV allows maximum 49% ownership of the shares. Foreigners may acquire leasehold rights (up to 99 years) on immovable properties in Cambodia.

The current Cambodia's legal system is lack of effective protection on privately owned immovable property, mainly due to the lack of land ownership records. However, according to the World Bank, only 1.8% of land plots are reported as having ever been subject to a conflict, and two-third of which having been resolved locally within three months. Furthermore, international organisations such as Asia Development Bank is actively assisting the Cambodian government improving and reforming the laws.

In terms of Cambodia's fiscal system, it has a low tax rates, with highest corporate or personal income/profit tax at 20%.

Legal Guide

LAW

The establishment of UNTAC in 1992 resulted fundamental changes to Cambodia's court system. As a result, a three-tiered court system was formed, comprising of:

  • The Municipal and Provincial Court (jurisdiction of first instance)
  • The Appellate Court, and
  • The Supreme Court

Another judicial organ is the Military Court, which handles cases related to Military offences.2

In respect of the real estate sector, following are some of the relevant laws:

  • Constitution Law and Political Institutions
  • Investment Law
  • Taxation Law
  • Agriculture and Rural Development Law
  • Land Law 2001
  • Inheritance Law
  • Law on the marriage and family

OWNERSHIP & RIGHTS

The new Land Law came into effect in August 2001. In general, it is prohibited for foreigner, either a natural person or legal entity, to own land in Cambodia. The Constitution stipulates that "all persons, individually or collectively, shall have the right to ownership".

The 2001 Land Law also says that only natural or legal entities of Khmer nationality have the right to ownership of land in Cambodia. The legal entities of Cambodian nationality per se mean the companies of which 51% or more of share are owned by Cambodians or Cambodian companies.

Different categories of land leases are available in Cambodia (up to 99 years) – lease for an indefinite time period and a definite time period. A lease for a definite time period includes a short-term lease with an option to renew and a long-term lease for 15 years or more. A long-term lease constitutes a right in rem over immovable property and such right may be assigned for valuable consideration or transferred by succession.3

Although one of the greatest challenges for the Cambodian government to implement the land law has been the lack of landownership records4, according to a World Bank survey (published April 2008), "[d]ata from the 2004 Cambodian Socio-Economic Survey, a nationally representative household survey, indicates that only 1.8% of plots are reported as having ever been subject to a conflict". The survey further states that "[o]f these disputes, two-thirds would appear to be minor, having been resolved (presumably at the local level) in three months or less. Another relevant statistic is that although only 49.3% of plots are reported as having any official certification of ownership, 77% are able to be used as collateral for a loan."5

In November 2003, The Asia Development Bank (ADB) approved a US$600,000 technical assistance to further develop Cambodia's legal framework on land mattes. ADB will assist Cambodian Ministry of Land Management, Urban Planning and Construction (MLMUPC) with drafting priority laws, sub-decrees, and implementing regulations for the country's revised land law, promulgated by the National Assembly in August 2001.6

In terms of the inheritance related issues, some local sources claim that according to Cambodian law, foreigners must apply for citizenship to be able to inherit property. However, such issue may be avoided if the property is being held through a locally registered company.7

BUYING PROCEDURE8

The typical buying procedure for an off-plan property is as follows:

Reservation
Once you have chosen your ideal property, a reservation agreement is to be signed with the seller and a reservation deposit needs to be paid (will form part of the purchase price).

Due Diligence Check
At this stage, buyer should involve a local legal expert to:

  • advice on Cambodia land law
  • advice on Cambodia taxation
  • verify the Title Certificate with the Land Office, checking for potential liens or encumbrances
  • obtain information on the property from the Commune Council Official
  • obtain the certificate of incorporation of the seller's company and other documents shows the track record and capacity of the seller
  • assessing the risk of the preliminary sale and purchase agreement and negotiate some terms (if the seller is flexible of amending the terms)

Exchange Contract
Once the buyer is satisfied with the result of the aforesaid due diligence check, buyer can enter into a preliminary purchase contract with the seller. At this stage, the first instalment/payment is often required.

Title Transfer Application
Once the property is completed and of the satisfaction of buyer's inspection, the seller and buyer can apply for registration at the District Land Office of the Ministry of Land Management, Urban Planning & Construction (MLMUPC).

Paying Tax
The seller and buyer shall then pay transfer tax to the Tax Collection Office.

Title Registration
The seller and buyer can then return to the Cadastral Office to complete the registration process.

Obtain Title Certificate
Once all the above processes are completed, buyer can finally obtain the Title Certificate from the Municipal Land Office.

Taxation (for non-residents individuals)9

TAXATION when buying/acquiring property 

category tax/fee rate scope/remark
Stamp Duties 4% Payable on transfer of property or transfer of ownership of the land without any building under the image of selling, exchanging, receiving aid, putting share capital in a company.
Legal Stamp Tax

KHR100
KHR200
KHR500
KHR1,000
KHR2,000

levied on all administrative, legal and extra-legal acts, including posting of public notices.

TAXATION when owning/holding property

category tax/fee rate  scope/remark
 Profit tax  20% on rental profit subject to 10% withholding tax
Real Estate Tax NIL (unless on unused land, which is taxed at 2% of the market value of the land) Levied on unused land, including unused land with buildings existing in an abandoned state and is to be paid by the owner of the land.
VAT 10% applies to all supplies other than exports and non-taxable supplies.  Introduced from 1 January 1999.

TAXATION when selling/disposing property

category tax/fee rate  scope/remark
 

Profit tax

 20% on the profit  
Turnover Tax 2% flat rate  
Inheritance Tax NIL10  

Cambodia has not yet concluded any Double Tax Relief and Double Tax Treaties with any foreign country. Residents can, however, obtain tax credit for income taxes paid overseas.


1. Council for the Development of Cambodia (CDC) & Cambodia Investment Board (CIB), 2008, Political System [Online] Available at: http://www.cambodiainvestment.gov.kh/?q=count_politics (accessed 1 September 2008)

2. Koy Neam, The Asia Foundation, 1998, Introduction to the Cambodian Judicial Process [Online] Available at: http://www.bigpond.com.kh/users/kid/pdf/The%20Cambodian%20Judicial%20Process.pdf (accessed 1 September 2008)

3. Cambodia Council for the Development of Cambodia (CDC) & Cambodia Investment Board (CIB), 2008, Investor’s Information, Land (Site Development) [Online] Available at: http://www.cambodiainvestment.gov.kh/?q=ii_land (accessed 29 August 2008)

4. Asian Development Bank, 2005, Land of Their Own [Online] Available at: http://www.adb.org/Documents/Periodicals/ADB_Review/2005/vol37-2/land-own.asp (accessed 1 September 2008)

5. The World Bank, 2008, Legal Pluralism and Equity: Some Reflections on Land Reform in Cambodia [Online] Available at: http://siteresources.worldbank.org/INTJUSFORPOOR/Resources/J4PBriefingNoteVolume2Issue2.pdf (accessed 1 September 2008)

6. Asian Development Bank, 2003, Cambodia to Receive New Assistance on Land Law [Online] Available at: http://www.adb.org/media/Articles/2003/3603_Cambodia_Assistance_on_Land_Law/ (accessed 1 September 2008)

7. Eurasia, 2008, Inheritance Tax and Law [Online] Available at: http://eurasia-properties.com/inheritance%20kh.htm (accessed 1 September 2008)

8. Doing Business, 2008, Registering Property in Cambodia [Online] Available at: http://www.doingbusiness.org/ExploreTopics/RegisteringProperty/Details.aspx?economyid=33 (accessed 1 September 2008)

9. Cambodia Council for the Development of Cambodia (CDC) & Cambodia Investment Board (CIB), 2008, Taxation and Accounting [Online] Available at: http://www.cambodiainvestment.gov.kh/?q=ii_tax_acount (accessed 1 September 2008)

10. KPMG, 2008, Cambodia, Taxation of International Executives [Online] Available at: http://www.kpmg.com/SiteCollectionDocuments/TIES/CAMBODIA_2008_TIES.pdf (accessed 1 September 2008)

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