Home / Loans / Overdraft


KBZ offers Myanmar citizens loans and overdrafts, in order to promote development, increase business growth and to develop working capital within the country.

Applying for a loan

  • A typical term of loan and overdraft is one (1) year
  • It is thereafter renewable on a yearly basis.Cards at our ATMs.


  • 11.5 % annual


  • Loan interest is paid on the total amount approved and overdraft interest is paid on the amount used.

Payment period

  • 1 Year
  • In order to increase the payment period, you will need to reapply for the loan

Required Documents

  Business Information

  • Business license form
  • Company registration form
  • Receipts of revenue tax for the last 3 years
  • Financial statements for the last 3 years

  Personal Documents

  • Copy of National ID
  • Household Registration
  • Letter of Recommendation clearly stating that you are living in shared quarters
  • Guarantee that you are single if you are single
  • Divorce papers and papers proving you aren’t marrying any time soon


  • Documents concerning the ownership of properties
  • Grant, map and history of property

    Under the Central Bank of Myanmar regulations, the following collateral are accepted

    • Immovable properties
    • Government bonds and securities
    • Machinery
    • Fixed deposits or Savings deposits
    • Goods
    • Gold
    • Company Shares