Owning a home is more than just a milestone it’s a lifelong dream. Yet for many, the rising costs of real estate can make that dream feel out of reach. This is where Al Ahly Mortgage Finance, one of the leading subsidiaries of the National Bank of Egypt, steps in to bridge the gap.

In today’s real estate market, mortgage in egypt has become a true game-changer. It’s no longer about having to pay massive amounts upfront or committing to overwhelming installments. Instead, with a manageable down payment and repayment plans extending up to 15 years, Egyptians whether living at home or abroad can now move closer to securing the property they’ve always wanted.

At Al Ahly Mortgage Finance, the goal is simple: to provide smart, flexible, and accessible financing solutions that make homeownership not just a dream, but a reality.

What is a mortgage in Egypt?

Mortgage solutions have been available in Egypt for many years in different formats, yet the most common purpose has always been helping individuals finance the purchase of residential properties. Over time, this extended to include commercial and administrative units as well.

The concept is simple yet powerful: companies provide clients with a percentage of the property’s total value, while repayment is structured through long-term installments usually ranging between 12 to 15 years with competitive interest rates applied. This system has enabled thousands of Egyptians to own property without the burden of paying the full price upfront.

Benefits of Mortgage in Egypt with AMF Company

Today, several companies in Egypt offer mortgage programs, but Al Ahly Mortgage Finance Company has managed to stand out as a market leader thanks to its client-centric approach. Among its key advantages:

Higher initial financing limits to ease property acquisition.
Lower and highly competitive interest rates compared to other providers.
Minimal down payment requirements, making home ownership more accessible.
Simplified and transparent procedures, reducing paperwork and delays.
Customized loan programs, tailored to suit each client’s needs.
Flexible installment plans aligned with individual income levels.

In today’s real estate market, mortgages are no longer seen as just a financing tool, but rather as a strategic solution for achieving both financial stability and long-term investment growth.

With companies like Al Ahly Mortgage Finance leading the way, the dream of property ownership in Egypt is becoming more achievable than ever.

Types of mortgage in Egypt specially with Al Ahly Mortgage Finance

Mortgage in Egypt with Al Ahli comes in several forms, each designed to meet different customer needs and property types. Whether for residential, commercial, or investment purposes, clients can choose the option that best suits their goals and financial situation:

Residential Unit Financing: Designed for individuals or families looking to purchase a new home, offering flexible repayment plans tailored to different income levels.
Commercial and Administrative Unit Financing: Supports investors and business owners who wish to acquire commercial spaces or office units, helping them expand or establish their businesses.
Lease-to-Own (Ijara): A unique model where the customer leases the property with the option to own it at the end of the agreed period, providing more manageable payments over time.
Financing Against Owned Property: Allows clients to leverage their already-owned real estate as collateral for obtaining financing, enabling them to cover other financial needs while keeping ownership of their assets.

Each option comes with different financing ratios, repayment periods, and payment structures, ensuring flexibility and accessibility for a wide range of customers.

Maximum Financing Limits with Al Ahli

The maximum financing an individual can obtain depends on the property type, with both the percentage and repayment period varying accordingly:

Residential Properties: Up to 80% financing of the property’s value with a repayment period of up to 15 years.
Administrative Properties: Up to 75% financing with a repayment period of up to 12 years.
Commercial Properties: Up to 70% financing with a repayment period of up to 12 years.

This structured approach ensures flexibility, allowing clients to choose the option that best suits their investment and repayment capacity.

Required Documents for Mortgage in Egypt with Al Ahli

The documents required for a mortgage application vary depending on the applicant’s status. Below is a simplified breakdown for each category:

Employees Working Abroad
Employment contract or official work certificate from the employer (duly attested).
National ID + copy of passport.
Valid residence permit.
Salary transfer confirmation.
Recent bank statements (up to 12 months).
Self-Employed / Business Owners
Valid commercial registration and tax card.
Recent financial statements (last 2 years).
Proof of income (monthly or annual).
Company bank statements (last 12 months).
National ID + passport copy.
Egyptians Working Abroad (Professionals / Business Owners)
Employment contract or proof of business ownership.
National ID + copy of passport.
Residence permit.
Bank statements (last 12 months).
Any additional documents depending on income and property type.
Foreigners Residing in Egypt
Valid residence permit in Egypt.
Employment contract or business ownership documents.
Bank statements (last 12 months).
Salary certificate (if employed).
Passport copy.

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Mortgage in Egypt: All details you need to know