The maximum amount is $25,000 or ៛100 million (temporarily capped at $5,000 or KHR20 million due to COIVD-19). Actual loan amount may be capped by the borrower’s capacity to repay. The monthly gross income should exceed two times total monthly debt repayment. This multiple is called the “Debt Service Cover”, which is equal to “monthly income” / “monthly debt payment”. If DSC is less than 2 times, the loan amount may be reduced.