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Owning more than one home is no longer just a dream. Today, many people aspire to have a primary residence in the city and a second home by the coast because real estate remains one of the most reliable investments.

The challenge, however, is often the large upfront payment. This is where a mortgage becomes the practical answer, and Mortgage Rates in Egypt became more varied.

Through Al Ahly Mortgage Finance, you can secure a sizable loan to purchase a new residential, commercial, or administrative property, and repay it through comfortable installments over several years while using an existing property as collateral.

If you’re curious to learn more about Mortgage Rates in Egypt and how they work, keep reading.

What Is a Mortgage?

A mortgage is simply a loan secured by a property you already own. The borrower pledges the property as collateral, and the lender Al Ahly Mortgage Finance retains the legal right to the mortgage until the full loan amount, including any applicable interest, is paid off.

For example, if you already own a home in Greater Cairo and want to buy a vacation property on the coast, you can approach Al Ahly Mortgage Finance for a mortgage. By using your current home as collateral, you can access the funds you need and repay the loan in flexible installments over a period of up to 15 years.

This Mortgage Finance Solution isn’t limited to residential properties. Mortgages can also be used to finance commercial or administrative units, or even to unlock cash liquidity when needed, making it a versatile option for a wide range of financial goals.

What’s the Difference Between a Mortgage and Real Estate Financing?

The distinction is simple and clear:

• Mortgage: This is a way to access cash to buy another property whether residential, commercial, or industrial by using a property you already own as collateral. You receive the funds and repay them in installments over a long period, which makes Mortgage Rates in Egypt vary.

• Real Estate Financing: Here, the commercial financing company such as Al Ahly Mortgage Finance pays the seller on your behalf to purchase the property you’ve chosen. You then repay the financing amount to the company in long-term installments.

Key Difference:

• Real Estate Financing focuses on providing a convenient payment and installment plan to help you acquire a new property.

• Mortgage in Egypt emphasizes the legal guarantee, where the loan is secured by a property you already own until the debt is fully repaid.

Advantages of a Mortgage with Al Ahly Mortgage Finance

Al Ahly Mortgage Finance one of the key subsidiaries of the National Bank of Egypt has built a strong reputation in the real estate financing market. Here’s why choosing their mortgage Rates in Egypt as solutions can be a smart move:

1. Flexible Repayment Plans: Al Ahly tailors repayment schedules to match each client’s financial situation. Whether your goal is investment, business expansion, or settling into a new home, you’ll find a plan that fits.

2. Competitive Interest Rates: Known for offering some of the lowest rates in the market, Al Ahly combines attractive pricing with extended payment terms to ease your financial load.

3. Long Tenure & High Financing Ratio: Enjoy repayment periods of up to 15 years for residential properties and around 12 years for commercial or administrative units, with financing of up to 80% of the property’s value.

4. Wide Property Options: Whether you’re investing, upgrading, or seeking a lifestyle property, Al Ahly covers a full range of residential, commercial, and administrative units.

5. Legal & Administrative Support: Beyond financing, Al Ahly provides clients with legal guidance and administrative assistance related to the mortgaged property, ensuring a smooth, worry-free process.

With these benefits, Al Ahly Mortgage Finance offers not just funding, but a trusted partnership to help you own and invest with confidence.

Mortgage Rates in Egypt: What to Expect

Mortgage rates in Egypt vary depending on:

• The lender.

• The property type.

• The repayment period.

But they remain competitive compared to many regional markets. On average, interest rates for residential mortgages typically range between 12% and 17% annually, while commercial and administrative property mortgages may carry slightly higher rates due to their investment nature.

Several factors influence the final rate you receive:

• Including the loan amount.

• The percentage of financing compared to the property’s value.

• Your credit profile.

Longer repayment tenures such as 12 to 15 years can sometimes mean a slightly higher rate, while shorter terms may secure a more favorable percentage.

Leading providers like Al Ahly Mortgage Finance offer some of the most attractive rates in the market, pairing competitive interest with flexible payment plans and high financing ratios. This balance of affordability and flexibility makes it easier for buyers and investors to plan their budgets confidently and move forward with property purchases across Egypt’s growing real estate sector.

AMF Mortgage Solutions and Programs

1. Financing Solutions for Individuals and Companies

2. Remortgage Solution

3. Co investment Solution

4. Fast Approval Mortgage Finance