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Real Estate Financing

central bank initiatives for real estate financing at 8%

Central Bank initiatives for real estate financing with a decreasing return rate of 8%

 

Statement

Pledge of salary transfer/clients who transfer their salary

Proof of income

Free professions and commercial activities

Pensioners

Maximum financing

80%

75%

60%

Maximum monthly net income

Single

40 thousand EGP

Married

50 thousand EGP

Maximum monthly installment

A total of 40% of the net monthly income from the real estate financing loan can be used, as long as the overall monthly financial obligation does not surpass 50% of the net monthly income

Maximum for residential unit

2.5 Million EGP

Financing value

Minimum amount

200 thousand EGP

Maximum amount

2 Million EGP

Loan term

Minimum amount

5 years

Maximum amount

25 years

Administrative expenses

None

The percentage yield per year on the declining outstanding balance of a loan

8%

Installment payment method

Either a set payment amount or a payment amount that increases over the course of the loan,

depending on what they prefer.

Insurance

Our bank covers the costs and charges of the insurance

for both life and complete disability

 

 

The Central Bank is to provide real estate financing at a reduced interest rate of 3%.

 

These subsidized loans are available to several groups:

- Government, public sector, and public business employees

- Private sector and investment sector employees who meet the Bank’s requirements  

- Self-employed professionals and business owners 

- Retirees up to 65 years old at the end of the loan term

 

To qualify for a loan, the home must meet these conditions:

- No maximum size limit 

- Must be for permanent residence, not for seasonal or tourist use

- Fully constructed and ready to inhabit 

- Has functioning utilities (electricity, water, etc.)

- Legally registered and up to code, with no violations

- The loan amount includes any maintenance fees and administrative costs

 

The loans can be used to purchase:

- Homes registered to the seller or built on land registered to the seller  

- Homes owned by city government offices and sold directly by the New Urban Communities Authority. 

- Resale homes, such as those in Dar Misr, housing associations, etc. 

- Homes owned by developers, housing associations, or other legal entities, provided the owner approves the sale ban.

 

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