Media Center

The documents required for a mortgage at AMF are determined by your applicant category and the stage of review.

Preapproval documents focus on financial eligibility, while the full mortgage application includes complete property and legal documentation.

This article lists the exact requirements for each stage and clarifies how every document affects the approval decision.

What Are the Documents Required for Mortgage at AMF?

The documents required for a mortgage at AMF include identification, income proof, 12-month bank statements, employment confirmation, address proof, and full property documentation.

These documents determine repayment capacity, verify identity, and confirm the property’s legal eligibility before final approval.

Required Document Checklist

Identification

• Valid Egyptian National ID.

• For foreigners and Egyptians working abroad: passport and valid residency.

• These documents verify identity and legal status.

Proof of Income

• Employees submit a signed and stamped HR letter confirming salary and position.

• Self-employed applicants and business owners submit:

1. Tax card.

2. Certified accountant income statement.

3. Tax and social insurance clearance certificate.

4. Commercial activity premises contract.

5. Syndicate membership card, when applicable.

• Business owners submit:

1. Recent commercial register.

2. Tax card.

3. Last three years' certified Financial Statements

4. Certified accountant certificate.

5. Company contract or investment gazette.

These documents establish income level and continuity.

Bank Statements (Last 12 Months)

Submit complete bank statements covering the last 12 months for all personal or business accounts.

AMF reviews these statements to assess income regularity, existing financial obligations, and overall cash flow stability.

Employer or Contract Documents

• Employees submit a signed and stamped HR letter confirming position, salary, and employment duration.

• Egyptians working abroad submit an employment contract or HR letter authenticated by the Egyptian consulate when issued outside Egypt.

These documents confirm the source and continuity of income.

Address Proof

Submit a recent utility bill in the applicant’s name. This document confirms the registered residential address.

Property & Legal Documents

• Signed purchase contract.

• Seller’s title deed or land registration contract.

• Building permit with approved architectural drawings.

• Official no-violations certificate.

For units in new cities:

• City authority title deed.

• Ministerial decree or license.

• Approved engineering drawings.

Additional documents after review:

• Real estate tax certificate.

• Official Real-Estate Registry Form 19.

• Additional documents as required after legal examination.

These documents confirm ownership status and the property’s eligibility for registration before final approval.

Additional Documents by Applicant Type

• Business owners submit a recent commercial register and tax card.

• Certain professions provide a certified accountant income statement or syndicate card when applicable.

• Documents issued outside Egypt might require consular authentication and Ministry of Foreign Affairs attestation.

Each document supports a defined stage in the review process. Incomplete financial or legal documentation pauses evaluation until the file is fully completed.

Documents Needed to Get Pre-Approved for Mortgage (48-Hour Pre-Approval)

The documents needed to get pre-approved for a mortgage at AMF focus only on financial eligibility. Preapproval documents do not include property or legal ownership papers.

AMF reviews income and bank history before confirming an initial financing limit within 48 hours.

Preapproval Documents by Applicant Category

Employees

• A valid national ID or passport.

• Signed and officially stamped HR letter confirming employment details.

• Complete bank statements covering the last 12 months.

Business Owners / Self-Employed

• A valid national ID or passport.

• Recent commercial register.

• Valid tax card.

• Certified financial statements or accountant income certificate.

• Complete bank statements covering the last 12 months.

Egyptians Working Abroad

Valid passport and residency documentation.

Employment contract or officially issued HR letter.

Complete bank statements covering the last 12 months.

Documented proof of salary transfers.

Preapproval confirms repayment capacity based on verified income and financial history, while the documents required for a mortgage at the final stage extend to full property and legal documentation.

Preapproval confirms repayment capacity within defined income limits. The full documents required for a mortgage complete the decision framework through verified legal and property compliance.

The documents required for mortgage at AMF define a structured evaluation framework where financial capacity and legal property status are verified in sequence, so the final decision rests on documented income, compliant ownership, and confirmed eligibility.