By Towfiqu Barbhuiya on Unsplash
Invest in B2C models engaged in building affordable homes for low to middle-income families with a focus on sustainability. Affordability is made possible through innovation or practical location (SEZ), as well as with the provision of financial assistance (loans, subsidies and tax exemptions).
Worldbridge Homes Co. Ltd. (WHC), founded in 2017, is a subsidiary of the Worldbridge Group of Companies. It is engaged in affordable housing development in partnership with RGC to provide sustainable/livable communities with high quality, affordable homes, and quality and reliable amenities to serve low and middle-income earners, particularly the civil servants.
In 2015, WHC and Straits Construction Singapore Pte. Ltd, signed a memorandum of understanding (MoU) on affordable housing with the RGC. WHC is developing 2,457 housing units, priced from USD25,000-30,000. Loans are offered with a down payment policy, requiring 5% of the price in 1st month; while balance can be paid in 24 months at no added interest. 
Arakawa Co.,ltd (Arakawa), founded in 2008 by Japanese investors, is a housing development company. After developing Bellevue Serviced Apartments, they are currently engaged in construction of a USD 70 mn (12) project for affordable housing complex of 2960 units, with price ranging from USD 28,000-61,200. (13)
First Finance PLC (FF), founded in 2006, provides long-term home and medium-term home improvement loans to underserved low-middle income households and families who do not have access to formal commercial lending in Phnom Penh. It also offers home equipment loans.
FF lends 80% of the home’s value to borrowers to repay over a term of upto 20 years, at a competitive rate, allowing the client to have upto 3 co-borrowers (siblings).
Affordable housing solutions to ensure improved well-being, reduced inequalities and urban planning support by expanding projects in city-outskirts.