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Frequently Asked Questions

  • EFG Hermes Asset Management is the fund manager for Credit Agricole I, Credit Agricole II equity funds and Credit Agricole III money market fund. With over 25 years of experience in the Egyptian market, the fund manager makes investment decisions on behalf of the investors based on through research and close monitoring of market conditions. EFG Hermes Asset Management is responsible for the performance of the funds under its management, as they handle the investment part of the fund.

  • All mutual funds announce the Investment Certificate price on a weekly basis, allowing investors to track their performance. Additionally, the fund manager publishes quarterly fact sheets that provide insights into the fund’s performance.

  • You can subscribe by signing a subscription form at any of the bank’s branches across Egypt. Subscription frequency varies depending on the fund type. Some funds offer daily subscriptions, while others provide weekly subscriptions. However, in all cases orders must be submitted before 12:00 pm on any applicable day.

  • Returns represent the total net profits or losses (in some types of mutual funds) achieved against the invested amount during a specific period. To view the returns for the mutual funds offered by the bank Click Here

    • Redemption orders can be signed at any of the bank’s branches across Egypt. Redemption frequency varies depending on the fund. Some funds offer daily redemption, while others provide weekly redemption. However, in all cases, orders must be submitted before 12:00 pm on any applicable day
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Housing Finance Program

Personal Documents

  • Valid national ID

Income Documents

Egyptian Employee (Crédit Agricole Egypt Payroll customer )

  • HR letter – waived

Egyptian Employee(none Crédit Agricole Egypt Payroll customer)

  • Original HR letter addressed to Crédit Agricole Egypt dated and stamped
  • Original bank statement of the last three months’ salary transfers (stamped and signed)

Employee with no salary transfer (with cash payment)

  • Original HR letter addressed to Crédit Agricole Egypt dated and stamped
  • Original salary slips of the last three consecutive months stamped and signed stating the applicant name, income, hiring date and his title

Employed Foreigner

  • Original HR letter addressed to CAE dated and stamped
  • Original bank statement for the previous three salary transfers (stamped and signed)
  • Copy of passport + work/residency permit

Business Owners Foreigner

  • Valid Passport
  • Work\residency permit
  • Last authenticated three financial status
  • Commercial register (issuance date within the past three months)
  • Valid tax card
  • Company’s establishment contract \ company article of association and any updates
  • Original bank statement for the previous twelve-month salary transfers (stamped and signed)(if needed)

Business Owners(loan amount below two million)

  • Original bank statement for the previous twelve-month salary transfers (stamped and signed)
  • Commercial register (issuance date within the past three months)
  • Valid tax card
  • Company’s establishment contract \ company article of association and any updates
  • Last year income statement

Business Owners(loan amount above two million)

  • Last three financial statements
  • Commercial register (issuance date within the past three months)
  • Valid tax card
  • Company’s establishment contract \ company article of association and any updates

Professionals

  • Original bank statement for the previous twelve-month (stamped and signed)
  • Valid tax card
  • Profession Permit
  • Syndicate membership card

Medical Sector

  • Syndicate card + operating license or establishment license
  • Valid tax card
  • Chartered accountant certificate with net\ gross income
  • HR letters from hospitals (if applied)
  • Chartered accountant \ syndicate card
  • Copy of CBE registration to the charted account (if available)
  • Physiotherapist:
    • Syndicate card + operating license or establishment license
  • For Lab Owners and Veterinarians
    • Operating license or establishment license
    • Official extract of medical chemists – Ministry of Health and Population
    • License issued by the Ministry of Health and Population for a medical laboratory

Unit Documents

Registered Unit

  • Copy of unit registered contract
  • Unit real estate tax
  • A certificate from the Real Estate Tax Authority in whose jurisdiction the property is situated – This certificate must be in the seller’s name as in the ownership contract (in order to allow the transfer of ownership in the Customer’s name) – To be provided by the seller
  • A certificate of real estate ownership transfers for and by the seller (Form 19) – Available at the Real Estate Registration Authority in whose jurisdiction the property is situated – Dates as from the date of the registered contract – The Customer has to bring it and revised by Legal Department – This is in order to verify that the property is in the seller’s name and has not sold or mortgaged it
  • Copy of seller valid national ID or passport

Unit eligible for registration (Buying from the Land Owner)

  • Copy of land registered contract for land (from seller)
  • Certified copy of building license for the property
  • Declaration of the units allocated share in land plot
  • A certificate of real estate ownership transfers for and by the seller (Form 19) – Available at the Real Estate Registration Authority in whose jurisdiction the property is situated – Dates as from the date of the registered contract – The Customer has to bring it and revised by Legal Department – This is in order to verify that the property is in the seller’s name and has not sold or mortgaged it
  • A certificate from the Real Estate Tax Authority in whose jurisdiction the property is situated – This certificate must be in the seller’s name as in the ownership contract (in order to allow the transfer of ownership in the Customer’s name) – To be provided by the seller or a certificate indicating the non-existence of real estate taxes to date
  • WGS 84 form
  • Copy of seller valid national ID or passport

Unit in new urban communities (Buying from the Land Owner)

  • Land allocation
  • Building License
  • A certificate from the Real Estate Tax Authority in whose jurisdiction the property is situated – This certificate must be in the seller’s name as in the ownership contract (in order to allow the transfer of ownership in the Customer’s name) – To be provided by the seller or a certificate indicating the non-existence of real estate taxes to date
  • Unit real estate tax payment proof
  • Non-objection certificate to mortgage the building issued from the relevant authority/entity
  • Copy of seller valid national ID or passport

Unit in a compound allocated by New Urban Communities Authority  (NUCA) or the Tourism Authority

  • Land preliminary contract
  • Land allocation ministerial decision
  • Land financial current status
  • Commercial register (issuance date within the past three months)
  • Tax Card
  • Article of association and its amendments
  • A certificate of real estate ownership transfers for and by the seller (Form 19) – Available at the Real Estate Registration Authority in whose jurisdiction the property is situated – Dates as from the date of the registered contract – The Customer has to bring it and revised by Legal Department – This is in order to verify that the property is in the seller’s name and has not sold or mortgaged it.
  • Unit preliminary contract
  • Building License
  • Copy of seller valid national ID or passport

Unit in a compound in by New Urban Communities Authority  (NUCA) or the Tourism Authority (within the approved list in Crédit Agricole Egypt)

  • Unit preliminary contract
  • Copy of seller valid national ID or passport