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Housing Finance Program

When you dream.. dream big

Moving forward is always a key goal in our lives. Thus, if it is part of your plan to upgrade your home and getting a new one, always dream of a bigger home! Choose the apartment or villa that suits your lifestyle and Crédit Agricole will finance it for you through our Housing Finance Program

Features & Benefits:

  • Competitive interest rate
  • Financing up to 80% of the unit value
  • Loan amount up to EGP 5 million
  • Flexible repayment duration from 1 year up to 15 years
  • Possibility to include additional income sources
  • Possibility of co-borrowing with 1st  relative degree or 2nd  relative degree income to increase the loan amount
  • Life and property insurance benefits
  • Our legal experts will support you with the ownership documents verification, registration process, ownership transfer of the unit and the documentation
  • Appraising unit to asses price
  • Fast processes

General Terms & Conditions:

Age

Minimum age is 21 years old and maximum age is 60 (at Loan maturity)

Monthly Income

Minimum EGP 4,000

Type of Employment

  • Employed (salary transferred to CAE)
  • Self Employed
  • Professionals (Doctors, Pharmacists etc…)

Monthly Instalment

Up to 40% of your net monthly income 

 

Unit Eligibility:

Unit Type

Residential fully constructed units

Unit Registration Status

Registered units, eligible for registration units and allocated units

Unit location

Units in existing cities, new urban communities and compounds

 

THE REQUIRED DOCUMENTS:

Personal Documents

  • Valid ID
  • Utility Bill (issuance date to be within 3 months from application date)

 

Income Documents

Profession

Income document

Egyptian Employed Salaried to CAE

  • HR letter (dated, stamped, signed, showing net or gross income)
  • Bank statement for the past six months showing salary transfer

Foreigner Salaried 

 

  • HR letter (dated, stamped, signed, showing net or gross income)
  • Bank statement for the past six month showing salary transfer
  • Valid residency/work permit

Egyptian Self-Employed

 

  • Company contract/article of association
  • Commercial register (issuing date within 3 months)
  • Taxation card
  • Audited financials for the last 3 years
  • Personal or corporate bank statement for the past 12 months (stamped and signed)
  • Last year’s company income statement

Egyptian Professional

 

  •  Personal or corporate bank statement for the past 12 months (stamped and signed)
  •  Taxation card
  • Profession certificate
  • Egyptian association syndicate card + clinic license (for doctors)

 

Unit Document

Unit Registration Status

Unit Documents

Registered Unit

(Existing cities / new urban communities) 

  • Copy of registered title contract (from seller)
  • Copy of real estate certified status
  • Copy of seller valid ID

Eligible for Registration

(Existing Cities / new urban communities) 

  • Copy of certified building license
  • Copy of construction design for first and repeated floors
  • Copy of real estate certified status
  • Primary contract
  • Certified statement stating unit share in land
  • Copy of seller valid ID

New Urban Communities

  • Land designation decision or unit contract
  • Land receiving report
  • Building license for the unit
  • Recent financial position from the new city authority
  • Copy of seller valid ID

Compound

  • Ministerial decision or unit contract
  • Land receiving report
  • Copy of certified building license
  • Copy of commercial registration of the developer
  • Recent financial position from new city authority
  • Primary contract between client and developer
  • Approved site master plan
  • Copy of seller valid ID

For more information:

  • Visit your nearest branch
  • Please contact us on 19191

Terms and conditions apply