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The first specialized platform for evaluating real estate financing in Egypt
Find out if you are eligible to receive
Real estate financing In two minutes
A smart evaluation tool that enables you to know your eligibility for real estate financing within minutes, with an accurate comparison between the best financing systems in Egyptian banks to choose the most appropriate solution for your income and needs.
Free
It takes 2 minutes
Without registration
+50K
Evaluation process
13
Cooperating bank
4.9
User evaluation
Your data is fully encrypted and protected according to the standards of the Central Bank of Egypt
How the platform works
Five simple steps to know your eligibility for financing
An easy and simplified process designed specifically to save you the trouble of comparing different banks and financing systems.
1
Enter your data
Fill in simple data about age, income and occupation in less than a minute.
2
Instant evaluation
The system analyzes your data and calculates the eligibility percentage immediately.
3
Compare systems
We show you the available financing systems and banks suitable for your financial profile.
4
Choose financing
Choose the most suitable offer in terms of interest, repayment term and down payment.
5
Submit the application
We guide you on the steps to submit an official application to the bank along with a list of documents.
Eligibility criteria
What determines your eligibility for real estate financing?
Egyptian banks set six basic standards when studying real estate financing applications. Learn about them before applying.
Age
From 21 to 65 years at the end of the financing period, according to the bank’s policy.
Income
A minimum monthly income of 4,500 pounds for individuals, and increases according to the type of financing.
Down payment
It starts from 10% for leasing and reaches 20% for Murabaha and 12% for Mubadara.
Premium to income ratio
The installment does not exceed 40% of the net monthly income according to the rules of the Central Bank.
The I-Score
A proper credit inquiry report that reflects the payment commitment history.
Employer
Job stability of at least one year for employees and two years for self-employed individuals.
Compare and choose
Compare available financing systems
A detailed comparison table between central bank initiatives and Islamic finance systems to help you choose the most suitable one.
| item |
8% initiative
8%
The best
|
12% initiative12% | MurabahaIslamic | LeaseIslamic |
|---|---|---|---|---|
| Interest/profit ratio | 8% decreasing | 12% decreasing | Fixed Murabaha profit | Fixed rental value |
| Minimum down payment | 15% | 20% | 20% | 10% |
| Income terms | Up to 40 thousand pounds / individual | There is no maximum limit | Determined by the bank according to solvency | Determined by the bank according to solvency |
| Maximum financing period | 25 years old | 20 years | 20 years | 25 years old |
| Target group | Middle income | All categories | Those looking for Islamic financing | Who prefers rent ending with ownership? |
| comments | Subject to the initiative of the Central Bank | Complete freedom to choose the property | Compliant with Islamic Sharia | Transfer of ownership at the end of the period |
*All numbers are subject to the bank’s policy and effective financing system at the time of application.
Required documents
Prepare your papers before applying
Choose your employment status to view the list of documents required when submitting a real estate financing application at any bank.
A copy of a valid national ID card
Modern salary vocabulary approved by the employer
A letter stating salary and length of service
Bank statement for the last 6 months
Tax certificate and original employment contract
I-Score credit inquiry report
A copy of a valid national ID card
A recent extract from the commercial register
Valid tax card
Bank statement for the last 12 months
Net income certificate from the chartered accountant
I-Score credit inquiry report
A copy of a valid national ID card
Statement of pension from social insurance
Bank statement for the last 6 months
Registration certificate from the Pensions Authority
Recent facilities receipt
I-Score credit inquiry report
Avoid rejection
The most important reasons for rejecting real estate financing applications
Understanding the reasons for rejection helps you improve your financial file before applying and increases your chances of approval from the bank.
Financial alert
The most common reasons for rejection
I-Score report
weak
900/
412
Includes the reason for late payment
01
Poor credit report
The presence of previous defaults or late loans in the I-Score report reduces the chances of approval.
02
High commitment ratio
If the current installments exceed 40% of income, the bank automatically rejects the application.
03
Income instability
Irregular income or undocumented source may result in the bank rejecting your file.
04
Lack of official documents
The absence of any of the basic documents stops the study and leads to the application being rejected.
05
The property does not match
The presence of building violations or a contract not registered in the real estate registry prevents financing.
06
Age incompatibility
The age at the end of the repayment period exceeds the maximum limit set by the bank.
Card photoBasic document
Salary vocabularyBasic document
Bank statementMissing documents
Registered real estate contractReal estate month
Your rights are guaranteed
Legal guarantees that protect your right as a borrower
Real Estate Finance Law No. 148 of 2001 regulates the relationship between the bank and the borrower with complete clarity and transparency.
LEGAL GUARANTEE
Legal guarantee
All real estate financing operations on our platform are subject to the supervision of the Central Bank of Egypt and are fully compliant with the provisions of the Real Estate Finance LawNo. 148 of 2001And its executive regulations.
100%
transparency
0
Hidden fees
24/7
Legal support
Protection from compound interest
The law prohibits banks from calculating compound interest on real estate financing clients.
Notarized and registered contract
The contract is registered in the real estate register to protect your legal right to ownership.
Right to accelerate payment
You have the right to repay the remainder of the loan early without acceleration penalties, according to the law.
Reference document
Real Estate Finance Law No. 148 of 2001
The law regulates the relationship between the financier, the beneficiary, and the real estate owner, determines the terms of the contract, payment guarantees, and property rights, and ensures the borrower’s protection from unlawful disputes.
Transparency of disclosure
The bank is obligated to clearly disclose all fees and interests before signing.
Supervision by the central bank
All financing transactions are subject to continuous supervision by the Central Bank of Egypt.
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