- Credit Agricole Egypt

Housing Finance Program

Egyptian Employee (Crédit Agricole Egypt Payroll customer )

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

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

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)