Personal loans to get you one step ahead

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Blom Bank Egypt – Personal Loan

بنك بلوم مصر - القرض الشخصي

EGP 1,200

Minimum Salary

15%

Flat Rate

No

Salary Transfer

EGP 2,783

Monthly Payment

15%

Advertised Rate

EGP 2,783

Monthly Repayment

Up to 1,500,000 LE

Loan Amount

Type of Loan

Salary Loan

Features & Benefits

Loan Amount

Up to EGP 1,500,000

Loan Term

Up to 10 years.

15% interest rate if loan is paid within 5 years and 16% if paid within 10 years.

Requirements

  • Egyptain residents only.
  • Minimum age: 21 years old and maximum age: 60 years old.

Documents Required

  • A copy of valid national ID
  • HR letter / Salary Transfer Letter
  • Recent utility bill

Fees & Charges

  • 3% fees on past due instalments
  • 2% administrative fees
  • Early Settlement Fees: 5% on the outstanding balance
  • Installment Postponement fees: EGP 75

This is a representative example of what an EGP 100,000 loan might cost: 15% APR Representative based on the 4-year loan option, then monthly instalment would be EGP 2,783. Total amount payable would be EGP 133,588.

BLOM Bank Egypt – Mortgage Loan

Blom_bank_Egypt

EGP 5,000

Minimum Salary

3%

Flat Rate

No

Salary Transfer

EGP 2,219

Monthly Payment

3%

Advertised Rate

2,219

Monthly Repayment

Up to 1M

Loan Amount

Type of Loan

Middle Income

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 20 years.

Free Life and disability insurance

No I-Score fees.

Requirements

  • Egyptain residents only
  • The apartment should be fully finished and ready for housing, including all utilities (electricity and water meters)
  • Finance up to 80% of the total amount
  • 20% down payment is required

Documents Required

  • A copy of valid national ID
  • Family registration certificate
  • Recent utility bill
  • Proof of income

Fees & Charges

  • 2% fees on past due to instalments

This is a representative example of what it may cost: 3% APR Representative based on a loan of EGP 500,000 with 20% deposit repayable over 240 months at an interest rate of 3% (fixed). Monthly repayment of EGP 2,219.

Arab Investment Bank aiBANK – Personal Loan without Salary Transfer

Arab_investment_bank

EGP 1,200

Minimum Salary

16.5%

Flat Rate

No

Salary Transfer

EGP 2,860

Monthly Payment

16.5%

Advertised Rate

EGP 2,860

Monthly Repayment

Up to 500,000 LE

Loan Amount

Type of Loan

Salary Loan

Features & Benefits

Loan Amount

Up to EGP 500,000

Loan Term

Up to 7 years.

Requirements

  • Egyptain residents only.
  • Minimum age: 21 years old and maximum age: 60 years old.

Documents Required

  • A copy of valid national ID
  • Stamped HR letter
  • Recent utility bill

Fees & Charges

  • 3% fees on past due instalments
  • 2% administrative fees
  • Early Settlement Fees: 5% on the outstanding balance
  • Installment Postponement fees: EGP 75

This is a representative example of what an EGP 100,000 loan might cost: 16.5% APR Representative based on the 4-year loan option, then monthly instalment would be EGP 2,860. Total amount payable would be EGP 137,266.

Arab Investment Bank aiBANK – Personal Loan

Arab_investment_bank

EGP 1,200

Minimum Salary

15%

Flat Rate

No

Salary Transfer

EGP 2,783

Monthly Payment

15%

Advertised Rate

EGP 2,783

Monthly Repayment

Up to 1,500,000 LE

Loan Amount

Type of Loan

Salary Loan

Features & Benefits

Loan Amount

Up to EGP 1,500,000

Loan Term

Up to 10 years.

15% interest rate if loan is paid within 5 years and 16% if paid within 10 years.

Requirements

  • Egyptain residents only.
  • Minimum age: 21 years old and maximum age: 60 years old.

Documents Required

  • A copy of valid national ID
  • HR letter / Salary Transfer Letter
  • Recent utility bill

Fees & Charges

  • 3% fees on past due instalments
  • 2% administrative fees
  • Early Settlement Fees: 5% on the outstanding balance
  • Installment Postponement fees: EGP 75

This is a representative example of what an EGP 100,000 loan might cost: 15% APR Representative based on the 4-year loan option, then monthly instalment would be EGP 2,783. Total amount payable would be EGP 133,588.

Abu Dhabi Commercial Bank ADCB – Doctor’s Loan

ADCB_logo

EGP 3,000

Minimum Salary

18%

Flat Rate

No

Salary Transfer

EGP 2,938

Monthly Payment

18%

Advertised Rate

EGP 2,938

Monthly Payment

Up to 750,000

Loan Amount

Type of Loan -No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 7500,000.

Loan Term

Up to 7 years.

Competitive Interest Rate

Free life insurance.

Features

  • ADCB Doctor’s Loan is available for physicians and doctors in all specialities
  • Minimum age: 21 years old and maximum age: 60 years old
  • ADCB available for Egyptians only
  • Free life insurance during the loan period
  • No proof of income required
  • Interest rates are between 18% and 20% depending on the program

Documents Required

  • A copy of valid national ID
  • Operating license
  • Recent utility bill
  • Valid Syndicate membership card

Fees & Charges

  • 2% fees on past due instalments
  • 1% administrative fees for individuals and 0.5% for excellency clients
  • Early Settlement Fees: 5% on outstanding balance
  • Installment Postponement fees: EGP 300

This is a representative example of what an EGP 100,000 loan might cost: an 18% APR Representative based on the 4-year loan option, then the monthly instalment would be EGP 2,938. Total amount payable would be EGP 141,000.

Abu Dhabi Commercial Bank ADCB – Salary Loan

ADCB_logo

EGP 3,000

Minimum Salary

15%

Flat Rate

No

Salary Transfer

EGP 2,783

Monthly Payment

15%

Advertised Rate

EGP 2,783

Monthly Repayment

Up to 2M

Loan Amount

Type of Loan

Salary Loan

Features & Benefits

Loan Amount

Up to EGP 2,000,000

Loan Term

Up to 10 years.

15% interest rate if loan is paid within 5 years and 17.5% if paid within 10 years.

Requirements

  • Egyptain residents only.
  • Minimum age: 21 years old and maximum age: 60 years old.
  • Transfer your salary or just the installment (provide a salary proof without the need to transfer it).

Documents Required

  • A copy of valid national ID
  • HR letter / Salary Transfer Letter
  • Recent utility bill
  • 3 months’ bank statement

Fees & Charges

  • 2% fees on past due instalments.
  • 1% administrative fees for individuals and 0.5% for excellency clients.
  • Early Settlement Fees: 5% on the outstanding balance.
  • Installment Postponement fees: EGP 200.

This is a representative example of what an EGP 100,000 loan might cost: 15% APR Representative based on the 4-year loan option, then monthly instalment would be EGP 2,783. Total amount payable would be EGP 133,588.

Banque Misr – Business (Express) Loan for Small Business

بنك مصر

EGP 1,000

Minimum Salary

5%

Flat Rate

Yes

Salary Transfer

EGP 2,303

Monthly Payment

5%

Advertised Rate

2,303

Monthly Repayment

Up to 2,000,000

Loan Amount

Type of Loan - Small Business

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 2,000,000

Loan Term

Up to 3 years.

Low Interest Rate

Flexible terms.

Requirements

  • Be an existing Banque Misr business account holder
  • Small business with annual sales from 1M to 50M EGP
  • In business for at least 12 months with valid annual financial statements

Documents Required

  • Commercial register valid for at least 3 months
  • Valid National ID
  • Tax card valid for at least 1 month
  • Last year financial statements
  • Rental or ownership contract for your the business’s main office location
  • Tax and social insurance position valid for at least 1 month
  • Commercial register for suppliers valid for at least 1 month
  • Quotation from suppliers valid for at least 1 month

Fees & Charges

  • No additional fees and costs when you get a Small Business Loan

National Bank of Egypt NBE – Mortgage Loan

البنك الأهلي المصري

EGP 3,000

Minimum Salary

8%

Flat Rate

No

Salary Transfer

EGP 3,346

Monthly Payment

8%

Advertised Rate

3,346

Monthly Repayment

Up to 2.25M

Loan Amount

Type of Loan

Middle Income

Features & Benefits

Loan Amount

Up to EGP 2,250,000.

Loan Term

Up to 20 years.

Free Life and disability insurance

No I-Score fees.

Requirements

  • Egyptain residents only
  • The apartment should be fully finished and ready for housing, including all utilities (electricity and water meters)
  • Finance up to 80% of the total amount
  • 20% down payment is required

Documents Required

  • A copy of valid national ID
  • Family registration certificate
  • Recent utility bill
  • Proof of income

Fees & Charges

  • 2% fees on past due to instalments

This is a representative example of what it may cost: 8% APR Representative based on a loan of EGP 500,000 with 20% deposit repayable over 240 months at an interest rate of 8% pa (fixed). Monthly repayment of EGP 3,346. Total amount payable EGP 803,040.

EG Bank – Personal Loans

البنك الخليجي المصري

EGP 3,000

Minimum Salary

18.5%

Flat Rate

No

Salary Transfer

EGP 2,886

Monthly Payment

18.5%

Advertised Rate

2,886

Monthly Repayment

Up to 2M

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 2,000,000.

Loan Term

Up to 10 years.

Competitive Interest Rate

Life insurance throughout loan tenor.

Requirements

  • Minimum age 21 years up to 60 years at loan maturity for salaried clients and reach up to 65 years for self-employed and professionals

Documents Required

  • Valid National Identification Card for Egyptians or valid passport and valid residency for foreigners
  • Salary / Instalement transfer Customers: Customer’s company agreed to transfer salary/ installement
  • Non-salary / Installment transfer Customers: Authenticated HR letter or HR letter & 3 months bank statement
  • Self-employed/Professional Customers: valid tax card & last 6 months bank statement in addition to copy of recent & valid commercial register for self-employed or certificate of profession, valid syndicate ID, & medical institution license for professionals

Fees & Charges

  • From 1.15 to 2.5% administrative fees
  • 10% for full early settlement / 7% partial settlement
  • 2.5% late payment fee per installment

Suez Canal Bank – Education Loan

قروض المعاشات بنك قناة السويس

EGP 6,000

Minimum Salary

19.5%

Flat Rate

No

Salary Transfer

EGP 3,612

Monthly Payment

19.5%

Advertised Rate

3,612

Monthly Repayment

Up to 500K

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 500,000.

Loan Term

Up to 3 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Minimum age of 21 year-old and a maximum of 60 year-old

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Salary Certificate( income Proof)
  • Commitment letter to transfer the salary from the employer

Fees & Charges

  • 2% administrative fee
  • 5% for early payment
  • 4% for late payment
  • ُEGP 150 data verification fee
  • 0.0005% proportional stamp duty collected quarterly

National Bank of Kuwait NBK – Non-Instalments Transfer Loan

NBK logo

EGP 3,000

Minimum Salary

16.75%

Flat Rate

Yes

Salary Transfer

EGP 2,850

Monthly Payment

16.75%

Advertised Rate

2,850

Monthly Repayment

1,000,000

Loan Amount

Type of Loan -No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up t 7 years.

Competitive Interest Rate

Free life insurance.

Features

  • NBK installment transfer Loan is available for Egyptians only
  • Minimum age of 21 year-old and a maximum of 60  year-old
  • EGP 20,000 minimum loan amount
  • No guarantor is required
  • The availability of settling the customer’s financial obligations with other banks.
  • The ability to access your account through the online portal

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Bank Statement for the last 3 months
  • Proof of income (HR Letter OR 3 months bank statements OR 3 recent salary slips)
  • Loan Application form
  • Profession practice permit
  • An undertaking letter from employer to transfer Salary or Installment to NBK Egypt

Fees & Charges

  • 2% administrative fee
  • 5% for early payment calculated on the unpaid amount
  • 4% for late payment
  • 0.0005% proportional stamp duty collected quarterly

National Bank of Kuwait NBK – Instalments Transfer Loan

NBK logo

EGP 3,000

Minimum Salary

13%

Flat Rate

Yes

Salary Transfer

EGP 2,647

Monthly Payment

13%

Advertised Rate

2,647

Monthly Repayment

2,000,000

Loan Amount

Type of Loan -No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 2,000,000.

Loan Term

Up t 8 years.

Competitive Interest Rate

Free life insurance.

Features

  • NBK installment transfer Loan is available for Egyptians only
  • Minimum age of 21 year-old and a maximum of 60 year-old
  • The minimum loan amount is EGP 20,000
  • No guarantor is required
  • The availability of settling the customer’s financial obligations with other banks.
  • The ability to access your account through the online portal

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Bank Statement for the last 3 months
  • Proof of income (HR Letter OR 3 months bank statements OR 3 recent salary slips)
  • Loan Application form
  • Profession practice permit
  • An undertaking letter from employer to transfer Salary or Installment to NBK Egypt

Fees & Charges

  • 2% administrative fee
  • 5% for early payment calculated on the unpaid amount
  • 4% for late payment
  • 0.0005% proportional stamp duty collected quarterly

National Bank of Kuwait NBK – Doctor’s Loan

NBK logo

EGP 22,500

Minimum Salary

17%

Flat Rate

No

Salary Transfer

EGP 2,824

Monthly Payment

17%

Advertised Rate

2,824

Monthly Repayment

600,000

Loan Amount

Type of Loan -No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 600,000.

Loan Term

Up t 5 years.

Competitive Interest Rate

Free life insurance.

Features

  • NBK Doctors’ Loan is available for physicians and doctors in all specialities
  • Minimum age of 21 year-old and a maximum of 65  year-old
  • Doctors should have a private clinic for at least 3 years
  • The Loan is offered for Egyptians only
  • NBK Doctor’s Loan is offered in Egyptian pounds only
  • No guarantor is required
  • The availability of settling the customer’s financial obligations with other banks.
  • The ability to access your account through the online portal

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Bank Statement for the last 6 months
  • Proof of income (HR Letter OR 3 months bank statements OR 3 recent salary slips)
  • Loan Application form
  • Profession practice permit
  • Syndicate card

Fees & Charges

  • 2% administrative fee
  • 5% for early payment calculated on the unpaid amount
  • 4% for late payment
  • 0.0005% proportional stamp duty collected quarterly

Abu Dhabi Islamic Bank ADIB – El Yosr Doctors and Pharmacists Loan

ADIB

EGP 1,500

Minimum Salary

21%

Flat Rate

No

Salary Transfer

EGP 3,096

Monthly Payment

21%

Advertised Rate

3,096

Monthly Repayment

750,000

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

750,000

Loan Term

Up to 5 years.

Competitive Interest Rate

Free life insurance.

Features

  • The minimum age should not be less than 21 years old, and the maximum age is 65 years old
  • The banking Finance program is compliant with Islamic law
  • Finance up to 40% of the burden in case of submitting bank statement of ADIB
  • Finance up to 30% of the burden in case of submitting bank statement of other banks
  • The bank can finance up to EGP 700,000 for doctors and EGP 600,000 for pharmacists based on years of experience
  • An easy and quick approval process
  • Takaful Life Insurance lasting till the program tenor ends
  • No down payment required
  • N0 Salary transfer is required
  • El Yosr Doctors and Pharmacists program available for Egyptians and foreigners

Documents Required

  • Valid National ID for Egyptians
  • Recent residence utility bill (maximum 3 months)
  • Loan Application form
  • Syndicate permit
  • Pharmacy License for pharmacists only

Fees & Charges

  • 2.5% administrative fee
  • 5% for early payment calculated on the unpaid amount
  • 2% for late payment fee per installment
  • 0.0005% proportional stamp duty collected quarterly

Abu Dhabi Islamic Bank ADIB – El Yosr Self-Employed Program

ADIB

EGP 1,500

Minimum Salary

25%

Flat Rate

No

Salary Transfer

EGP 3,313

Monthly Payment

25%

Advertised Rate

3,313

Monthly Repayment

500,000

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

500,000

Loan Term

Up to 5 years.

Competitive Interest Rate

Free life insurance.

Features

  • The minimum age should not be less than 21 years old, and the maximum age is 65 years old
  • The banking Finance program is compliant with Islamic law
  • Finance up to 40% of the burden in case of submitting bank statement of ADIB
  • Finance up to 30% of the burden in case of submitting bank statement of other banks
  • An easy and quick approval process
  • Takaful Life Insurance lasting till the program tenor ends
  • No down payment required
  • N0 Salary transfer is required
  • El yosr self-employed program available for Egyptians only

Documents Required

  • Valid National ID for Egyptians
  • Recent residence utility bill (maximum 3 months)
  • Commitment letter to transfer the salary from the employer
  • Loan Application form

Fees & Charges

  • 2.5% administrative fee
  • 5% for early payment calculated on the unpaid amount
  • 2% for late payment fee per instalment
  • 0.0005% proportional stamp duty collected quarterly

Abu Dhabi Islamic Bank ADIB – El Yosr Employees Loan

ADIB

EGP 1,500

Minimum Salary

19.1%

Flat Rate

Yes

Salary Transfer

EGP 2,917

Monthly Payment

19.1%

Advertised Rate

2,917

Monthly Repayment

1,000,000

Loan Amount

Type of Loan - With Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

1,000,000

Loan Term

Up to 5 years.

Competitive Interest Rate

Free life insurance.

Features

  • The minimum age should not be less than 21 years old and the maximum age is 65 years old
  • The banking Finance program is compliant with Islamic law
  • Finance up to 50% of the burden
  • An easy and quick approval process
  • Takaful life Insurance lasting till the program tenor ends
  • No down payment required
  • Salary transfer is required

Documents Required

  • Valid National ID for Egyptians
  • Valid residence permit or valid passport for foreigners
  • Recent residence utility bill (maximum 3 months)
  • Commitment letter to transfer the salary from the employer
  • HR letter
  • Loan Application form

Fees & Charges

  • 2.5% administrative fee
  • 5% for early payment calculated on the unpaid amount
  • 2% for late payment fee per instalment
  • 0.0005% proportional stamp duty collected quarterly

Emirates NBD – Physicians & University Professors Loans

emiratesnbd_new_logo

EGP 3,000

Minimum Salary

22%

Flat Rate

Yes

Salary Transfer

EGP 3,150

Monthly Payment

22%

Advertised Rate

3,150

Monthly Repayment

1M

Loan Amount

Type of Loan - With Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 8 years.

Competitive Interest Rate

Free life insurance.

Features

  • ENBD physicians & university professors Loans is available for physicians and university professors
  • Minimum age of 21 year-old and a maximum of 60  year-old
  • Customers should have completed the probation period
  • The Loan is offered for Egyptians and foreigners
  • The loan is offered in Egyptian pounds only
  • No guarantor is required
  • The Loan term could be extended to 10 years
  • The availability of settling the customer’s financial obligations with other banks.
  • The ability to access your account through the online portal

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Bank Statment for last 6 months in case of the income is larger than EGP 10,000
  • Proof of income (HR Letter OR 3 months bank statements OR 3 recent salary slips)
  • Loan Application form
  • Syndicate card
  • Evidence of profession and seniority

Fees & Charges

  • 2% administrative fee, not less than EGP 500
  • 5% for early payment calculated on the unpaid amount
  • 4% over the contracted rate + EGP 50
  • 0.0005% proportional stamp duty collected quarterly

Emirates NBD – Personal Loan

emiratesnbd_new_logo

EGP 2,500

Minimum Salary

20%

Flat Rate

No

Salary Transfer

EGP 2,957

Monthly Payment

20%

Advertised Rate

2,957

Monthly Repayment

1M

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 8 years.

Competitive Interest Rate

Free life insurance.

Features

  • ENBD Personal Loan is available for Salaried customers, self-employed customers, professionals and pensioners
  • Minimum age of 21 year-old and a maximum of 60  year-old
  • Customers should have completed the probation period
  • The Loan is offered for Egyptians and foreigners
  • The loan is offered in Egyptian pounds only
  • No guarantor is required
  • Loan term could be extended to up to 10 years
  • The availability of settling the customer’s financial obligations with other banks.
  • The ability to access your account through the online portal

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Bank Statment for last 6 months in case of the income is larger than EGP 10,000
  • Proof of income (HR letter or 3 months bank statements or 3 recent salary slips)
  • Loan application form

Fees & Charges

  • 2% administrative fee, not less than EGP 500
  • 5% for early payment calculated on the unpaid amount
  • 4% over the contracted rate + EGP 50
  • 0.0005% proportional stamp duty collected quarterly

Société Arabe Internationale De Banque SAIB – University Faculty Members Loan

SAIB logo

EGP 3,000

Minimum Salary

22.5%

Flat Rate

No

Salary Transfer

EGP 3,178

Monthly Payment

22.5%

Advertised Rate

3,178

Monthly Repayment

1.5M

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,500,000.

Loan Term

Up to 10 years.

Competitive Interest Rate

Free life insurance.

Features

  • SAIB University Faculty Members Loans is available for teaching staff in all authorized universities in Egypt
  • Minimum age of 25 year-old and a maximum of 65 year-old
  • Borrower work tenor should not less than 6 months
  • The Loan is offered for Egyptians only
  • Quick approval process
  • The minimum repayment period is 6 months

Documents Required

  • Recent residence utility bill (maximum 3 months)
  • Valid National ID
  • Bank statement for the last 6 months
  • Loan application form
  • Copy of University ID card
  • Salary slip includes the monthly income and job grade

Fees & Charges

  • 2.25% administrative fee for personal banking
  • 6% for early payment calculated on the unpaid amount
  • EGP 20 each month late payment fee per instalment
  • 0.0005% proportional stamp duty collected quarterly

Société Arabe Internationale De Banque SAIB – Doctors & Pharmacists Loan

SAIB logo

EGP 5,000

Minimum Salary

20%

Flat Rate

No

Salary Transfer

EGP 2,957

Monthly Payment

20%

Advertised Rate

2,957

Monthly Repayment

1.5M

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,500,000.

Loan Term

Up to 10 years.

Competitive Interest Rate

Free life insurance.

Features

  • SAIB Doctors & Pharmacists Loans is available for those who have their own clinics and pharmacies
  • Minimum age of 24 year-old and a maximum of 65  year-old
  •  Borrower work  tenor should not  less than 3 years
  • The Loan is offered for Egyptians only
  • The minimum repayment period is 6 months

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Bank Statment for last 6 months
  • Loan Application form
  • Taxation Card
  • Commercial registration
  • Profession license
  • The license of the establishment

Fees & Charges

  • 2.25% administrative fee for personal banking
  • 6% for early payment calculated on the unpaid amount
  • EGP 20 each month late payment fee per instalment
  • 0.0005% proportional stamp duty collected quarterly

Société Arabe Internationale De Banque SAIB – Business Owners & Professionals Loans

SAIB logo

EGP 10,000

Minimum Salary

21%

Flat Rate

No

Salary Transfer

EGP 3,096

Monthly Payment

21%

Advertised Rate

3,096

Monthly Repayment

1.5M

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,500,000.

Loan Term

Up to 10 years.

Competitive Interest Rate

Free life insurance.

Features

  • SAIB Businessmen and Professionals Loans is available for self-employed customers
  • Minimum age of 25 year-old and a maximum of 65  year-old
  • Borrower work  tenor should not  less than 2 years
  • The Loan is offered for Egyptians only
  • The minimum repayment period is 6 months

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Bank Statment for last 6 months
  • Loan Application form
  • Taxation Card
  • Commercial registration
  • Profession license
  • The license of the establishment

Fees & Charges

  • 2.25% administrative fee for personal banking
  • 6% for early payment calculated on the unpaid amount
  • EGP 20 each month late payment fee per instalment
  • 0.0005% proportional stamp duty collected quarterly

Export Development Bank EBE – Dream Cash Loan

EBE logo

EGP 1,500

Minimum Salary

19%

Flat Rate

No

Salary Transfer

EGP 2,912

Monthly Payment

19%

Advertised Rate

2,912

Monthly Repayment

1M

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 10 years.

Competitive Interest Rate

Free life insurance.

Features

  • EBE Dream Cash is available for Salaried customers, self-employed customers and business owners
  • Minimum age of 21 year-old and a maximum of 60  year-old
  • The loan could be increased  during the loan tenor via the “Top-up” program
  • Customers should have completed the probation period
  • The Loan is offered for Egyptians and foreigners
  • The availability of settling the customer’s financial obligations with other banks.

Documents Required for EBE Dream Cash

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Bank Statment for last 6 months
  • Proof of income (HR Letter OR 3 months bank statements OR 3 recent salary slips)
  • Loan Application form

Fees & Charges

  • 2% administrative fee for personal banking
  • 5% for early payment calculated on the unpaid amount
  • 2% and not less than EGP 100 each month late payment fee per instalment
  • 0.0005% proportional stamp duty collected quarterly

Export Development Bank EBE – Pharmacists Loan

EBE logo

EGP 1,500

Minimum Salary

22.5%

Flat Rate

No

Salary Transfer

EGP 3,178

Monthly Payment

22.5%

Advertised Rate

3,178

Monthly Repayment

250,000

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 250,000

Loan Term

Up to 7 years

Competitive Interest Rate

Free life insurance

Features

  • EBE Pharmacists Loan is available for pharmcists
  • Minimum age of 21 year-old and a maximum of 60  year-old
  • The outstanding amount of the loan could be increased  during the loan tenor via the “Top-up” program, could be raised to 1M  based on income proof or bank statement
  • Customers should have completed the probation period
  • The availability of settling the customer’s financial obligations with other banks via a “buyout” program
  • No guarantor is required
  • Repayment in fixed installments at different tenors
  • The loan is offered in Egyptian pound only
  • Availability to check your account through the online portal

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Bank Statment for last 6 months
  • Proof of income (HR Letter OR 3 months bank statements OR 3 recent salary slips)
  • Loan Application form
  • Syndicate ID
  • Profession license
  • Commercial registration
  • Taxation card

Fees & Charges

  • 2% administrative fee for personal banking
  • 5% for early payment calculated on the unpaid amount
  • 2% and not less than EGP 100 each month late payment fee per installment
  • 0.0005% proportional stamp duty collected quarterly

Export Development Bank EBE – Doctors Loan

EBE logo

EGP 10,000

Minimum Salary

20%

Flat Rate

No

Salary Transfer

EGP 2,957

Monthly Payment

20%

Advertised Rate

2,957

Monthly Repayment

750,000

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 750,000

Loan Term

Up to 7 years

Competitive Interest Rate

Free life insurance

Features

  • EBE Doctors Loan is available for doctors with various in various specialities
  • Minimum age of 21 year-old and a maximum of 60  year-old
  • The outstanding amount of the loan could be increased  during the loan tenor via the “Top-up” program, could be raised to 1M  based on income proof or bank statement
  • Customers should have completed the probation period
  • Offered for Egyptians and foreigners
  • The availability of settling the customer’s financial obligations with other banks via a “buyout” program
  • No guarantor is required
  • Repayment in fixed instalments at different tenors
  • The loan is offered in Egyptian pound only
  • Availability to check your account through the online portal

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Bank Statment for last 6 months
  • Proof of income (HR Letter OR 3 months bank statements OR 3 recent salary slips)
  • Loan Application form
  • Syndicate ID
  • Profession license
  • Clinic license

Fees & Charges

  • 2% administrative fee for personal banking
  • 5% for early payment calculated on the unpaid amount
  • 2% and not less than EGP 100 each month late payment fee per instalment
  • 0.0005% proportional stamp duty collected quarterly

Société Arabe Internationale De Banque SAIB – Employees Loan

SAIB logo

EGP 1,000

Minimum Salary

19.5%

Flat Rate

Yes

Salary Transfer

EGP 2,934

Monthly Payment

19.5%

Advertised Rate

2,934

Monthly Repayment

1.5M

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,500,000.

Loan Term

Up to 10 years.

Competitive Interest Rate

Free life insurance.

Features

  • SAIB employees loans are available for Government, public, private, business, banks, petroleum, armed forces and Multinationals sectors
  • Minimum age of 21 year-old and a maximum of 60  year-old
  • Customers should have completed 3months as a probation period
  • The Loan is offered for Egyptians only
  • The minimum repayment period is 6 months

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Bank Statment for last 6 months
  • Proof of income (HR Letter or 3 months bank statements or 3 recent salary slips)
  • Loan Application form

Fees & Charges

  • 1.75% administrative fee for personal banking
  • 6% for early payment calculated on the unpaid amount
  • EGP 20 each month late payment fee per instalment
  • 0.0005% proportional stamp duty collected quarterly

Al Baraka Bank – Furniture and Durable Goods Loan

بنك البركة

EGP 3,000

Minimum Salary

22.5%

Flat Rate

No

Salary Transfer

EGP 3,177

Monthly Payment

22.5%

Advertised Rate

3,177

Monthly Repayment

200,000

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

200,000

Loan Term

Up to 5 years.

Competitive Interest Rate

Free life insurance.

Features

  • The minimum age should not be less than 21 years old and the maximum age is 65 years old
  • The banking Finance program is compliant with Islamic law
  • An easy and quick approval process
  • A cheque will be issued to the store
  • 10% down payment for durable goods, 20% down payment for
  • Receiving a Reward in case of early settlement
  • Salary transfer is not required

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Commitment letter to transfer the salary from the employer
  • Loan Application form

Fees & Charges

  • 2.5% administrative fee for personal banking

Al Baraka Bank – Albaraka Education Loan

بنك البركة

EGP 3,000

Minimum Salary

16.75%

Flat Rate

No

Salary Transfer

EGP 2,810

Monthly Payment

16.75%

Advertised Rate

2,810

Monthly Repayment

250,000

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

250,000

Loan Term

Up to 5 years.

Competitive Interest Rate

Free life insurance.

Features

  • The minimum age should not be less than 21 years old, and the maximum age is 65 years old
  • The banking Finance program is compliant with Islamic law
  • An easy and quick approval process
  • Tuition fees could be paid for more than 1 student at the installment maturity date
  • Receiving a Reward in case of early settlement
  • Salary transfer is not required
  • Issuing a cheque to the University or the school at the tuition installment maturity date

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Commitment letter to transfer the salary from the employer
  • Loan application form

Fees & Charges

  • 2.5% administrative fee for personal banking

Al Baraka Bank – Doctors Loan

بنك البركة

EGP 3,000

Minimum Salary

11%

Flat Rate

No

Salary Transfer

EGP 2,559

Monthly Payment

11%

Advertised Rate

2,559

Monthly Repayment

1,000,000

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

1,000,000

Loan Term

Up to 7 years.

Competitive Interest Rate

Free life insurance.

Features

  • The minimum age should not be less than 21 years old, and the maximum age is 65 years old
  • The banking Finance program is compliant with Islamic law
  • An easy and quick approval process
  • 20% down payment required
  • Receiving a Reward in case of early settlement
  • The monthly installment should be less than 50% of the gross income
  • Salary transfer is not required

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Commitment letter to transfer the salary from the employer
  • Loan application form

Fees & Charges

  • 2.5% administrative fee for personal banking

Faisal Islamic Bank FIBE – Murabaha Durable Goods Loan

حسابات الاستثمار اليورو

EGP 1,500

Minimum Salary

16%

Flat Rate

Yes

Salary Transfer

EGP 2,780

Monthly Payment

16%

Advertised Rate

2,780

Monthly Repayment

500,000

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

500,000

Loan Term

Up to 4 years.

Competitive Interest Rate

Free life insurance.

Features

  • The minimum age should not be less than 21 years old
  • Banking services compliant with Islamic law
  • An easy and quick approval process
  • A guarantor is required
  • 5% down payment is required
  • Ability to finance 100% of the good amount

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Commitment letter to transfer the salary from the employer
  • Loan application form

Fees & Charges

  • 2.5% administrative fee for personal banking
  • 5% for early full payment

Faisal Islamic Bank FIBE – Murabaha Education Loan without Salary Transfer

حسابات الاستثمار اليورو

EGP 1,500

Minimum Salary

17%

Flat Rate

No

Salary Transfer

EGP 2,824

Monthly Payment

17%

Advertised Rate

2,824

Monthly Repayment

300,000

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

300,000

Loan Term

Up to 3 years.

Competitive Interest Rate

Free life insurance.

Features

  • The minimum age should not be less than 21 years old
  • Banking services compliant with Islamic law
  • An easy and quick approval process
  • No salary transfer required

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Commitment letter to transfer the salary from the employer
  • Loan application form

Fees & Charges

  • 2.5% administrative fee for personal banking
  • 5% for early full payment

Faisal Islamic Bank of Egypt FIBE – Murabaha Education Loan

حسابات الاستثمار اليورو

EGP 1,500

Minimum Salary

16%

Flat Rate

Yes

Salary Transfer

EGP 2,778

Monthly Payment

16%

Advertised Rate

2,778

Monthly Repayment

300,000

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

300,000

Loan Term

Up to 3 years.

Competitive Interest Rate

Free life insurance.

Features

  • The minimum age should not be less than 21 years old
  • Banking services compliant with Islamic law
  • An easy and quick approval process
  • No salary transfer required

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Commitment letter to transfer the salary from the employer
  • Loan Application form

Fees & Charges

  • 2.5% administrative fee for personal banking
  • 5% for early full payment

Attijariwafa Bank – Personal Loan for Salaried Customers

التجاري وفا بنك

EGP 1,500

Minimum Salary

20%

Flat Rate

No

Salary Transfer

EGP 2,957

Monthly Payment

20%

Advertised Rate

2,957

Monthly Repayment

1M

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 10 years.

Competitive Interest Rate

Free life insurance.

Features

  • Attijariwafa Personal Loan is available for Salaried customers
  • Minimum age of 21 year-old and a maximum of 60  year-old
  • The outstanding amount of the loan could be increased  after 6 months from receiving the loan date via the “Top-up” program
  • Customers should have completed the probation period
  • The Loan is offered for Egyptians and foreigners
  • Easy and fast approval process so you can take the loan within 3 working days

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Commitment letter to transfer the salary from the employer
  • Proof of income (HR Letter OR 3 months bank statements OR 3 recent salary slips)
  • Loan Application form

Fees & Charges

  • 2.5% administrative fee for personal banking
  • 5% for early full payment
  • EGP 100 each month late payment fee per installment

Attijariwafa Bank – Accountants Loan without Salary Transfer

التجاري وفا بنك

EGP 4,000

Minimum Salary

19%

Flat Rate

No

Salary Transfer

EGP 2,912

Monthly Payment

19%

Advertised Rate

2,912

Monthly Repayment

1M

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to  EGP 1,000,000.

Loan Term

Up to 10 years.

Competitive Interest Rate

Free life insurance.

Features

  • Accountant Loans are available for accountants and Banks Employees
  • Minimum age of 30 year-old and a maximum of 66  year-old
  • The outstanding amount of the loan could be increased  after 6 months from receiving the loan date via the “Top-up” program
  • Easy and fast approval process so you can take the loan within 3 working days

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Commitment letter to transfer the salary from the employer
  • Proof of income (HR Letter OR 3 months bank statements OR 3 recent salary slips)
  • Copy of recent commercial register
  • Professional License for not less than  3 years
  • Loan application form

Fees & Charges

  • 2.5% administrative fee for personal banking
  • 5% for early full payment
  • EGP 100 each month late payment fee per installment

Attijariwafa Bank – Doctors Loan without Salary Transfer

التجاري وفا بنك

EGP 4,000

Minimum Salary

19%

Flat Rate

No

Salary Transfer

EGP 2,912

Monthly Payment

19%

Advertised Rate

2,912

Monthly Repayment

1M

Loan Amount

Type of Loan - No Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to 1,000,000.

Loan Term

Up to 10 years.

Competitive Interest Rate

Free life insurance.

Features

  • Doctors Loans are available for (Doctors, Dentists, and Pharmacists)
  • Minimum age of 30 year-old and a maximum of 66  year-old
  • The outstanding amount of the loan could be increased  after 6 months from receiving loan date via “Top-up” program
  • Easy and fast approval process so you can take the loan within 3 working days

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Commitment letter to transfer the salary from the employer
  • Proof of income (HR Letter OR 3 months bank statements OR 3 recent salary slips)
  • Copy of recent commercial register
  • Professional License for not less than  3 years
  • Loan application form

Fees & Charges

  • 2.5% administrative fee for personal banking
  • 5% for early full payment
  • EGP 100 each month late payment fee per installment

Arab African International Bank – Education Loan (EduInvest)

AAIB logo

EGP 5,000

Minimum Salary

19.5%

Flat Rate

Yes

Salary Transfer

EGP 2,935

Monthly Payment

19.50%

Advertised Rate

2,935

Monthly Repayment

500,000

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

500,000

Loan Term

Up to 7 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Education Loan could be given to the student in case he works
  • The parents /guardians could receive the loan amount in case the student doesn’t earn a fixed salary
  • Minimum age of 21 year-old and a maximum of 65 year-old
  • The Loan amount paid directly to the educational entity
  • The customer should have an account with AAIB
  • Minimum loan amount EGP 15,000 and up to EGP 500,000
  • Pay in 12 equal installments yearly to the educational entity
  • Pay interest only for the first 3 years

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Minimum salary transfer period one month only
  • Commitment letter to transfer the salary from the employer
  • Approved statement of tuition expenses for students

Fees & Charges

  • 2% commission fees
  • 3% for early full payment
  • 2% late payment fee per installment
  • 0.0005% every 3 months stamp duty

Arab African International Bank – Cash Loan With Salary Transfer

AAIB logo

EGP 3,000

Minimum Salary

18.5%

Flat Rate

Yes

Salary Transfer

EGP 2,890

Monthly Payment

18.50%

Advertised Rate

2,890

Monthly Repayment

1,500,000

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

1,500,000

Loan Term

Up to 10 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees at companies that distribute payrolls with AAIB
  • Minimum age of 21 year-old and a maximum of 65 year-old
  • The customer should be employed at least 6 months
  • The customer should have an account with AAIB
  • Minimum loan amount EGP 15,000 and up to EGP 1,500,000

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Minimum salary transfer period one month only
  • Commitment letter to transfer the salary from the employer

Fees & Charges

  • 2.% commission fees
  • 5% for early full payment
  • 2% late payment fee per installment
  • 0.0005% every 3 months stamp duty

Arab African International Bank – Tabeeb Loan

AAIB logo

EGP 15,000

Minimum Salary

22%

Flat Rate

Yes

Salary Transfer

EGP 3,150

Monthly Payment

22%

Advertised Rate

3,150

Monthly Repayment

750,000

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

750,000

Loan Term

up to 7 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees at companies that distribute payrolls with AAIB
  • Minimum age of 30 year-old and a maximum of 65 year-old
  • The customer should have an account with AAIB
  • Availability to increase the outstanding balance amount
  • The Loan Term 7 years and under specific conditions could be extended
  • The monthly installment could be deferred 3 times/year
  • Customer should not ask for a loan amount less than EGP 5,000 or more than EGP 750,000
  • The Loan Designed for doctors, pharmacists, pathologists and dentists

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Minimum salary transfer period one month only
  • Commitment letter to transfer the salary from the employer

Fees & Charges

  • 2.% commission fees
  • 5% for early full payment
  • 2% late payment fee per installment
  • 0.0005% every 3 months of stamp duty

Arab African International Bank – Cash Loan without Salary Transfer

AAIB logo

EGP 3,000

Minimum Salary

16%

Flat Rate

No

Salary Transfer

EGP 2,779

Monthly Payment

16%

Advertised Rate

2,779

Monthly Repayment

1,500,000

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

1,500,000

Loan Term

Up to 10 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees at companies that distribute payrolls with AAIB
  • Minimum age of 21 year-old and a maximum of 65 year-old
  • The customer should be employed at least 6 months
  • The customer should hold an account with AAIB
  • Minimum loan amount EGP 15,000 and up to EGP 1,500,000

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Minimum salary transfer period one month only
  • Commitment letter to transfer the salary from the employer

Fees & Charges

  • 2.% commission fees
  • 5% for early full payment
  • 2% late payment fee per installment
  • 0.0005% every 3 months stamp duty

Arab African International Bank – Tabeeb Loan for Medical Equipments

AAIB logo

EGP 10,000

Minimum Salary

21%

Flat Rate

Yes

Salary Transfer

EGP 3,000

Monthly Payment

21%

Advertised Rate

3,000

Monthly Repayment

1,000,000

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

1,000,000

Loan Term

5 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees at companies that distribute payrolls with AAIB
  • Minimum age of 21 year-old and a maximum of 65 year-old
  • Availability to finance up to 80% from the equipment value
  • The customer should have an account with AAIB
  • The Loan Term 5 years and under specific conditions could be extended
  • Monthly installment could be deferred 3 times/year
  • Customer should not ask for a loan amount less than EGP 5,000 or more than EGP 1,000,000
  • The Loan is available for Doctors, pharmacists, pathologists and dentists
  • The loan could be used for clinics and laboratories renovations

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Minimum salary transfer period one month only
  • Commitment letter to transfer the salary from the employer

Fees & Charges

  • 2.% commission fees
  • 5% for early full payment
  • 2% late payment fee per installment
  • 0.0005% every 3 months stamp duty

QNB ALAHLI – Personal Loan with Salary Transfer

ََQNB قرض شخصي فى حالة تحويل المرتب الأهلي

EGP 1,500

Minimum Salary

15.25%

Flat Rate

No

Salary Transfer

EGP 2,744

Monthly Payment

15.25%

Advertised Rate

2,744

Monthly Repayment

1M

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 7 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees at companies that distribute payrolls through QNB ALAHLI
  • Minimum age of 21 year-old and a maximum of 60 year-old

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Minimum salary transfer period one month only
  • commitment letter to transfer the salary from the employer

Fees & Charges

  • 2.5% administrative fee for personal banking
  • 5% for early full payment
  • 5% late payment fee per installment

QNB ALAHLI – Personal Loan without Salary Transfer

ََQNB قرض شخصي فى حالة تحويل المرتب الأهلي

EGP 1,500

Minimum Salary

18.75%

Flat Rate

No

Salary Transfer

EGP 2,899

Monthly Payment

18.75%

Advertised Rate

2,899

Monthly Repayment

1M

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 7 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees at companies that distribute payrolls through QNB ALAHLI
  • Minimum age of 21 year-old and a maximum of 60 year-old

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Minimum salary transfer period one month only
  • Commitment letter to transfer the salary from the employer

Fees & Charges

  • 2.5% administrative fee for personal banking
  • 5% for early full payment
  • 5% late payment fee per installment

QNB ALAHLI – Personal Loan (Express Loan)

ََQNB قرض شخصي فى حالة تحويل المرتب الأهلي

EGP 1,500

Minimum Salary

16.25%

Flat Rate

Yes

Salary Transfer

EGP 2,789

Monthly Payment

16.25%

Advertised Rate

2,789

Monthly Repayment

up to 100,000

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to 100,000.

Loan Term

Up to 4 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees at companies that distribute payrolls through QNB ALAHLI
  • Minimum age of 21 year-old and a maximum of 60 year-old

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Minimum salary transfer period one month only
  • Loan application form

Fees & Charges

  • 2.5% administrative fee for personal banking
  • 5% for early full payment
  • 5% late payment fee per installment

Suez Canal Bank – Pensioners Loans

قروض المعاشات بنك قناة السويس

EGP 1,500

Minimum Salary

16%

Flat Rate

Yes

Salary Transfer

EGP 2,779

Monthly Payment

16%

Advertised Rate

2,779

Monthly Repayment

Up to 500K

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 500,000.

Loan Term

Up to 10 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees at companies that distribute payrolls through Suez Canal Bank
  • Minimum age of 21 year-old and a maximum of 60 year-old

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Salary Certificate( income Proof)
  • Commitment letter to transfer the salary from the employer

Fees & Charges

  • 2% administrative fee
  • 5% for early payment
  • 4% for late payment
  • ُEGP 150 data verification fee
  • 0.0005% proportional stamp duty collected quarterly

Suez Canal Bank – Personal Loan without Salary Transfer

قروض المعاشات بنك قناة السويس

EGP 4,000

Minimum Salary

17%

Flat Rate

No

Salary Transfer

EGP 2,824

Monthly Payment

17%

Advertised Rate

2,824

Monthly Repayment

Up to 1M

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 8 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees at companies that distribute payrolls through Suez Canal Bank
  • Minimum age of 21 year-old and a maximum of 60 year-old

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Salary Certificate( income Proof)
  • Commitment letter to transfer the salary from the employer

Fees & Charges

  • 2% administrative fee
  • 5% for early payment
  • 4% for late payment
  • ُEGP 150 data verification fee
  • 0.0005% proportional stamp duty collected quarterly

Suez Canal Bank – Personal Loan with Salary Transfer

SCB logo

EGP 4,000

Minimum Salary

16%

Flat Rate

Yes

Salary Transfer

EGP 2,779

Monthly Payment

16%

Advertised Rate

2,779

Monthly Repayment

Up to 1M

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 10 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees at companies that distribute payrolls through Suez Canal Bank
  • Minimum age of 21 year-old and a maximum of 60 year-old

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Salary Certificate
  • Commitment letter to transfer the salary from the employer

Fees & Charges

  • 2% administrative fee
  • 5% for early payment
  • 4% for late payment
  • ُEGP 150 data verification fee
  • 0.0005% proportional stamp duty collected quarterly

Banque Misr – Secured Cash Loan

بنك مصر

EGP 1,000

Minimum Salary

14%

Flat Rate

No

Salary Transfer

EGP 2,691

Monthly Payment

14%

Advertised Rate

2,691

Monthly Repayment

Up to 100M

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 100,000,000

Loan Term

Up to 10 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • The highest credit ratio is 90% of the warranty value
  • Minimum age of 21 year-old and a Maximum of 65 year-old

Documents Required

  • Loan application form
  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Certificate of commercial rulings (bankruptcy and protest)

Fees & Charges

  • 1% administrative fee up to EGP 100,000
  • 5% for early full/partial settlement
  • 24% late payment fee per installment calculated per year
  • 0.0005% proportional stamp duty collected quarterly

Banque Misr – Pensioners Loans

بنك مصر

EGP 500

Minimum Salary

15.5%

Flat Rate

Yes

Salary Transfer

EGP 2,757

Monthly Payment

15.5%

Advertised Rate

2,757

Monthly Repayment

Up to 500K

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 500,000.

Loan Term

Up to 8 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • No guarantor required
  • Bank account
  • Transfer the pension to the bank account

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Recent pension Certificate
  • Loan application form

Fees & Charges

  • 2% administrative fee
  • 5% for early full/partial settlement
  • 24% late payment fee per installment calculated per year
  • 0.0005% proportional stamp duty collected quarterly

Banque Misr – Personal Loan for Business Owners

بنك مصر

EGP 2,000

Minimum Salary

18.5%

Flat Rate

No

Salary Transfer

EGP 2,890

Monthly Payment

18.5%

Advertised Rate

2,890

Monthly Repayment

Up to 500K

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 500,000.

Loan Term

Up to 5 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Self Employed customers
  • Minimum age of 21 year-old and a Maximum of 60 year-old
  • No guarantor required

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • A monthly income statement
  • Loan application form
  • Taxation card copy
  • Recent commercial register (maximum 3 months)
  • Copy of the latest update for the company foundation contract, specifying the partner’s share
  • Certificate of commercial rulings (bankruptcy and protest)

Fees & Charges

  • 1% administrative fee up to EGP 100,000
  • 5% for early full/partial settlement
  • 24% late payment fee per installment calculated per year
  • 0.0005% proportional stamp duty collected quarterly

Banque Misr – Personal Loan for Doctors Based on Years in Business

بنك مصر

EGP 1,000

Minimum Salary

15.75%

Flat Rate

No

Salary Transfer

EGP 2,766

Monthly Payment

15.75%

Advertised Rate

2,766

Monthly Repayment

Up to 500K

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 500,000.

Loan Term

Up to 5 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Self Employed customers
  • Minimum age of 21 year-old and a maximum of 60 year-old
  • No guarantor required

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • A monthly income statement
  • Loan application form
  • Taxation card copy
  • Copy of authorization profession practice
  • Syndicate Card Copy
  • Copy of clinic license

Fees & Charges

  • 1% administrative fee up to EGP 100,000
  • 5% for early full/partial settlement
  • 24% late payment fee per installment calculated per year
  • 0.0005% proportional stamp duty collected quarterly

Banque Misr – Personal Loan for Doctors with Income Proof

بنك مصر

EGP 2,000

Minimum Salary

20%

Flat Rate

Yes

Salary Transfer

EGP 3,044

Monthly Payment

20%

Advertised Rate

3,044

Monthly Repayment

Up to 750K

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 750,000.

Loan Term

Up to 7 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Self Employed customers
  • Minimum age of 21 year-old and a Maximum of 60 year-old
  • No guarantor required

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • A monthly income statement
  • Loan application form
  • Copy from taxation card
  • Copy of authorization profession practice

Fees & Charges

  • 2% administrative fee
  • 5% for early full/partial settlement
  • 24% late payment fee per installment calculated per year
  • 0.0005% proportional stamp duty collected quarterly

Banque Misr – Personal Loan for Self Employed

بنك مصر

EGP 2,000

Minimum Salary

18.5%

Flat Rate

No

Salary Transfer

EGP 2,964

Monthly Payment

18.5%

Advertised Rate

2,964

Monthly Repayment

Up to 500K

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 500,000.

Loan Term

Up to 5 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Self Employed customers
  • Minimum age of 21 year-old and a Maximum of 60 year-old
  • No guarantor required

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • A monthly income statement
  • Loan application form
  • Copy from taxation card
  • Copy of authorization profession practice

Fees & Charges

  • 1% administrative fee up to EGP 100,000
  • 5% for early full/partial settlement
  • 24% late payment fee per installment calculated per year
  • 0.0005% proportional stamp duty collected quarterly

Banque Misr – Personal Loan for Petrol Industries and Telecom Companies

بنك مصر

EGP 2,000

Minimum Salary

15.5%

Flat Rate

No

Salary Transfer

EGP 2,809

Monthly Payment

15.5%

Advertised Rate

2,809

Monthly Repayment

Up to 1M

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 8 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees  should not be at companies that distribute payrolls through Banque Misr
  • Minimum age of 21 year-old and a maximum of 60 year-old
  • The loan is applied for Government/Public, private sector employees, banks employees, petrol and petrochemical industries, and telecommunications companies

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Minimum salary transfer period one month only
  • Loan application form

Fees & Charges

  • 1% administrative fee from EGP 100 up to EGP 100,000
  • 5% for early full/partial settlement
  • 24% late payment fee per installment calculated per year
  • 0.0005% proportional stamp duty collected quarterly

Banque Misr – Personal Loan With Proof of Income (Payroll)

بنك مصر

EGP 2,000

Minimum Salary

16.5%

Flat Rate

Yes

Salary Transfer

EGP 2,860

Monthly Payment

16.5%

Advertised Rate

2,860

Monthly Repayment

Up to 1M

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 8 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees at companies that distribute payrolls through Banque Misr
  • Minimum age of 21 year-old and a Maximum of 60 year-old
  • Egyptian nationality

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Recent Salary certificate letter ( maximum 2 months)
  • Minimum salary transfer period one month only
  • Loan application form

Fees & Charges

  • 2% administrative fee
  • 5% for early full/partial settlement
  • 24% late payment fee per installment calculated per year
  • 0.0005% proportional stamp duty collected quarterly

Banque Misr – Personal Loan for Government, Private Sector and Banks Employees

بنك مصر

EGP 2,000

Minimum Salary

15.5%

Flat Rate

No

Salary Transfer

EGP 2,809

Monthly Payment

15.50%

Advertised Rate

2,809

Monthly Repayment

Up to 1M

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 8 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees  should not be at companies that distribute payrolls through Banque Misr
  • Minimum age of 21 year-old and a maximum of 60 year-old
  • The loan is applied for Government/Public, private sector employees, banks employees

Documents Required

  • Valid National ID
  • Recent residence utility bill (maximum 3 months)
  • Minimum salary transfer period one month only
  • Loan application form

Fees & Charges

  • 1% administrative fee up to EGP 100,000
  • 5% for early full/partial settlement
  • 24% late payment fee per installment calculated per year
  • 0.0005% proportional stamp duty collected quarterly

Bank Audi – Personal Loan with Salary Transfer

bank_audi

EGP 5,000

Minimum Salary

16.63%

Flat Rate

Yes

Salary Transfer

EGP 2,793

Monthly Payment

16.63%

Advertised Rate

2,793

Monthly Repayment

Up to 750K

Loan Amount

Type of Loan - Personal Loan with Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 750,000.

Loan Term

Up to 7 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Minimum age of 21 year-old and a Maximum of 60 year-old
  • Salary should be transferred to any bank
  • You must have completed your probation period with your current employer
  • Available to Egyptians and foreigners

Documents Required

  • Valid National ID
  • Recent utility bill (electricity, gas, etc.) of current residence
  • Loan application
  • Proof of income documents(HR letter or bank statement or Rent contract)

Fees & Charges

  • 125 late payment fee
  • 6% for early full/partial settelment

Banque Misr – Personal Loan With Salary Transfer (Private Sector)

بنك مصر

EGP 2,000

Minimum Salary

16.5%

Flat Rate

Yes

Salary Transfer

EGP 2,680

Monthly Payment

16.5%

Advertised Rate

2,680

Monthly Repayment

Up to 1.5M

Loan Amount

Type of Loan - Private Sector with Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,500,000.

Loan Term

Up to 8 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees transferring their payroll
  • Minimum age of 21 year-old and a Maximum of 60 year-old
  • Egyptian nationality

Documents Required

  • Valid National ID
  • Recent residence utility bill
  • HR letter
  • Employer letter of obligation according to pre-verified forms
  • Loan application form

Fees & Charges

  • 2% administrative fee
  • 5% for early full/partial settlement
  • 24% late payment fee per installment calculated per year
  • 0.0005% proportional stamp duty collected quarterly

Crédit Agricole – Self Employed Loan

Crédit-Agricole

EGP 3,500

Minimum Salary

25%

Flat Rate

No

Salary Transfer

EGP 3,233

Monthly Payment

25%

Advertised Rate

3,233

Monthly Repayment

Up to 1M

Loan Amount

Type of Loan - Self Employed

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 5 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Business owners/partners and professionals
  • Minimum age of 25 years old and a maximum of 65 years old
  • Egyptian nationality

Documents Required

  • Valid National ID
  • Company’s formation contract or official Gazette in case of non-sole ownership companies
  • Valid commercial register or license of the profession if available
  • Valid taxation card
  • Last 12 months personal or business bank statement
  • Recent residence utility bill

Fees & Charges

  • 2% administrative fee
  • 5% Late payment fee
  • 5% for early full/partial settlement
  • 10% plus EGP 500 Check Processing fees for early settlement through a buy-out
  • 0.5 % (with min of EGP 100, max EGP 500) re-scheduling Fees
  • EGP 150 for unsecured cash loans enquiry fees

Crédit Agricole – Personal Loan without Salary Transfer

Crédit-Agricole

EGP 3,500

Minimum Salary

21%

Flat Rate

No

Salary Transfer

EGP 3,097

Monthly Payment

21%

Advertised Rate

3,097

Monthly Repayment

Up to 500K

Loan Amount

Type of Loan - Without Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 500,000.

Loan Term

Up to 7 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employed salaried customers
  • Minimum net monthly salary EGP 3,500
  • Minimum working experience at the company 6 months
  • Minimum age of 22 year-old and a maximum of 60-year-old at loan maturity
  • Egyptian nationality

Documents Required

  • Valid National ID
  • Recent residence utility bill
  • HR letter or last 6 months’ salary slips

Fees & Charges

  • 2% administrative fee
  • 5% Late payment fee
  • 5% for early full/partial settelment
  • 10% plus EGP 500 Check Processing fees for early settelment through a buy-out
  • 0.5 % (with min of EGP 100, max EGP 500) re-scheduling Fees
  • EGP 150 for unsecured cash loans enquiry fees

Crédit Agricole – Salary Transfer Personal Loan

Crédit-Agricole

EGP 3,000

Minimum Salary

21%

Flat Rate

Yes

Salary Transfer

EGP 3,075

Monthly Payment

21%

Advertised Rate

3,097

Monthly Repayment

Up to 1M

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 7 years.

Competitive Interest Rate

Free life insurance.

Requirements

  • Employees transferring their payroll to CAE
  • Minimum age of 21 year-old and a Maximum of 60 year-old
  • Egyptian nationality

Documents Required

  • Valid National ID
  • Recent residence utility bill
  • HR letter
  • Company undertaking

Fees & Charges

  • 2% administrative fee
  • 5% Late payment fee
  • 5% for early full/partial settlement
  • 10% plus EGP 500 Check Processing fees for early settlement through a buy-out
  • 0.5 % (with min of EGP 100, max EGP 500) re-scheduling Fees
  • EGP 150 for unsecured cash loans enquiry fees

HSBC – Premier Personal Loan

hsbc-bank

EGP 3,000

Minimum Salary

15.75%

Flat Rate

Yes

Salary Transfer

EGP 2,766

Monthly Payment

15.75%

Advertised Rate

2,766

Monthly Repayment

1.5M

Loan Amount

Type of Loan - HSBC Premier

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,500,000

Loan Term

Up to 7 years

Competitive Interest Rate

Access to EGP 900,000 loan with no hassle

Requirements

  • Minimum age of 21 and maximum age of 65 at the end of the finance repayment period
  • Your employer must be on the bank’s approved employer list
  • Minimum fixed gross monthly income of EGP 3,000
  • You must have completed your probation period with your current employer
  • You should have Egyptian nationality (or have a valid passport and valid residency in Egypt if you are a foreigner)

Documents Required

  • Valid National Identification Card for Egyptians or valid passport and valid residency for foreigners
  • Recent income or instalment transfer letter in the bank’s standard format
  • Recent telephone, electricity or gas utility bill (maximum 3 months old)

Fees & Charges

  • 2% administrative fee for personal banking, HSBC Advance and HSBC Premier
  • 5% for early full/partial settlement
  • EGP 75 late payment fee per installment
  • 4% annually on overdue interest

HSBC – Standard Personal Loan

hsbc-bank

EGP 3,000

Minimum Salary

16.75

Flat Rate

No

Salary Transfer

EGP 2,810

Monthly Payment

16.75%

Advertised Rate

2,810

Monthly Repayment

Up to 1.5M

Loan Amount

Type of Loan - Without Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,500,000.

Loan Term

Up to 5 years.

Competitive Interest Rate

No first-year annual fees on credit card.

Requirements

  • Minimum age of 21 and maximum age of 65 at the end of the finance repayment period
  • Minimum 1 year with your current employer
  • Minimum fixed gross monthly income of EGP 3,000
  • You must have Egyptian nationality

Documents Required

  • Valid National Identification Card
  • Recent income letter on the employer’s letterhead including position held, length of employment with the current employer, income breakdown, gross and net amounts
  • Recent telephone, electricity or gas utility bill (maximum 3 months old) with a minimum consumption amount of EGP 9 for electricity, EGP 3 for gas and EGP 36 for Telephone bills
  • Last 3 month of bank statements or income slips

Fees & Charges

  • 2% administrative fee for personal banking, HSBC Advance and HSBC Premier
  • 5% for early full/partial settlement
  • EGP 75 late payment fee per installment
  • 4% annually on overdue interest

HSBC – Advanced Personal Loan

hsbc-bank

EGP 3,000

Minimum Salary

16%

Flat Rate

Yes

Salary Transfer

EGP 2,779

Monthly Payment

16%

Advertised Rate

2,779

Monthly Repayment

Up to 1.5M

Loan Amount

Type of Loan - Salary Transfer

No Salary Transfer

With Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,500,000.

Loan Term

Up to 7 years.

Competitive Interest Rate

Flexibility to top up finance amount.

Requirements

  • Minimum age of 21 and maximum age of 65 at the end of the finance repayment period
  • Your employer must be on the bank’s approved employer list
  • Minimum fixed gross monthly income of EGP 3,000
  • You must have completed your probation period with your current employer
  • You should have Egyptian nationality (or have a valid passport and valid residency in Egypt if you are a foreigner)

Documents Required

  • Valid National Identification Card for Egyptians or valid passport and valid residency for foreigners
  • Recent income or instalment transfer letter in the bank’s standard format
  • Recent telephone, electricity or gas utility bill (maximum 3 months old)

Fees & Charges

  • 2% administrative fee for personal banking, HSBC Advance and HSBC Premier
  • 5% for early full/partial settlement
  • EGP 75 late payment fee per installment
  • 4% annually on overdue interest

Banque Du Caire – Personal Loan for Self Employed

banque-du-caire

EGP 1000

Minimum Salary

17.5%

Flat Rate

Yes

Salary Transfer

EGP 2,406

Monthly Payment

17.5%

Advertised Rate

2,911

Monthly Repayment

Up to 1.5M

Loan Amount

Type of Loan - Employed Private Sector With Salary Transfer

Self Employed

Public Sector Companies

Features & Benefits

Loan Amount

Up to EGP 1,500,000.

Loan Term

Up to 5 years.

Free Life Insurance

Mobile banking.

Requirements

  • Minimum age 23 years old

Documents Required

  • Bank statement (12 months)
  • Recent extraction of the commercial register (maximum 3 months old)
  • Copy of valid national ID
  • Valid taxation card
  • Recent telephone, electricity or gas utility bill (maximum 3 months old)

Fees & Charges

  • 2% administrative fee for salaried and pensioner customers
  • 2.5% administrative fee for self-employed customers
  • 3%  (minimum EGP 200) early settlement fees for variable loans, 5% for fixed loans
  • 7% (minimum EGP 200) early settlement fee for draft cheque
  • 2% late payment fee above the applied interest rate on past due amounts with a minimum of EGP 30
  • EGP 30 I-Score fee
  • EGP 200 debit balance certificate
  • EGP 25 for a clearance letter

Banque Du Caire – Personal Loan for Government Employees and Public Sectors

banque-du-caire

EGP 1000

Minimum Salary

19%

Flat Rate

No

Salary Transfer

EGP 2,406

Monthly Payment

19%

Advertised Rate

2,990

Monthly Repayment

Up to 1M

Loan Amount

Type of Loan - Employed Private Sector with No Salary Transfer

Private Sector Companies

Public Sector Companies

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 12 years.

Free Life Insurance

Mobile banking.

Requirements

  • Customer’s age between 21 Years and 65 Years at loan end

Documents Required

  • HR letter with monthly salary & employment date
  • Copy of valid national ID card
  • Recent telephone, electricity or gas utility bill (maximum 3 months old)

Fees & Charges

  • 2% administrative fee for salaried and pensioner customers
  • 2.5% administrative fee for self-employed customers
  • 3%  (minimum EGP 200) early settlement fees for variable loans, 5% for fixed loans
  • 7% (minimum EGP 200) early settlement fee for draft cheque
  • 2% late payment fee above the applied interest rate on past due amounts with a minmum of EGP 30
  • EGP 30 I-Score fee
  • EGP 200 debit balance certificate
  • EGP 25 for a clearance letter

ALEXBANK – Pensioners Loan

alexbank

EGP 1,000

Minimum Salary

15%

Flat Rate

Yes

Salary Transfer

EGP 2,735

Monthly Payment

15%

Advertised Rate

2,735

Monthly Repayment

Up to 1.5M

Loan Amount

Type of Loan - Pensioners Loans

Pensioners

Secured Loans

Features & Benefits

Loan Amount

Up to EGP 1,500,000.

Loan Term

Up to 12 years.

Free Life Insurance

Extended loan term.

Requirements

  • Customer age: doesn’t exceed 65 years

Documents Required

  • Pension undertaking to ALEXBANK for full pension transfer
  • Copy of valid national ID
  • Recent telephone, electricity or gas utility bill (maximum 3 months old)

Fees & Charges

  • 2% administrative fee for salaried and pensioner customers
  • 2.5% administrative fee for self-employed customers
  • 3%  (minimum EGP 200) early settlement fees for variable loans, 5% for fixed loans
  • 7% (minimum EGP 200) early settlement fee for draft cheque
  • 2% late payment fee above the applied interest rate on past due amounts with a minimum of EGP 30
  • EGP 30 I-Score fee
  • EGP 200 debit balance certificate
  • EGP 25 for a clearance letter

ALEXBANK – Self Employed Loans

alexbank

EGP 4,000

Minimum Salary

15%

Flat Rate

Yes

Salary Transfer

EGP 2,735

Monthly Payment

15%

Advertised Rate

2,735

Monthly Repayment

Up to 1M

Loan Amount

Type of Loan - with Salary Transfer

Employed Customers

Self Employed

Features & Benefits

Loan Amount

Up to EGP 1,000,000.

Loan Term

Up to 7 years.

Free Life Insurance

Mobile banking.

Requirements

  • Customer’s age between 21 Years and 65 Years at loan end
  • Minimum length of business: 2 years

Documents Required

  • Bank statement (12 months)
  • Recent extraction of the commercial register (maximum 3 months old)
  • Copy of valid national ID
  • Valid taxation card
  • Recent telephone, electricity or gas utility bill (maximum 3 months old)

Fees & Charges

  • 2% administrative fee for salaried and pensioner customers
  • 2.5% administrative fee for self-employed customers
  • 3%  (minimum EGP 200) early settlement fees for variable loans, 5% for fixed loans
  • 7% (minimum EGP 200) early settlement fee for draft cheque
  • 2% late payment fee above the applied interest rate on past due amounts with a minimum of EGP 30
  • EGP 30 I-Score fee
  • EGP 200 debit balance certificate
  • EGP 25 for a clearance letter

ALEXBANK – Employed Customers

alexbank

EGP 1,000

Minimum Salary

15%

Flat Rate

Yes

Salary Transfer

EGP 2,735

Monthly Payment

15%

Advertised Rate

2,735

Monthly Repayment

Up to 1.5M

Loan Amount

Type of Loan - with Salary Transfer

Employed Customers

Self Employed

Features & Benefits

Loan Amount

Up to EGP 1,500,000.

Loan Term

Up to 12 years.

Free Life Insurance

12 months deferred payment.

Requirements

  • Customer’s age between 21 Years and 65 Years at loan end
  • Minimum employment duration: 3 months

Documents Required

  • HR letter with monthly salary & employment date
  • Recent telephone, electricity or gas utility bill (maximum 3 months old)
  • Copy of valid national ID

Fees & Charges

  • 2% administrative fee for salaried and pensioner customers
  • 2.5% administrative fee for self-employed customers
  • 3%  (minimum EGP 200) early settlement fees for variable loans, 5% for fixed loans
  • 7% (minimum EGP 200) early settlement fee for draft cheque
  • 2% late payment fee above the applied interest rate on past due amounts with a minimum of EGP 30
  • EGP 30 I-Score fee
  • EGP 200 debit balance certificate
  • EGP 25 for a clearance letter

Commercial International Bank CIB – Personal Loan

CIB_bank

EGP 2,600

Minimum Salary

14%

Flat Rate

Yes

Salary Transfer

EGP 2,691

Monthly Payment

14%

Advertised Rate

2,691

Monthly Repayment

Up to 2M

Loan Amount

Type of Loans - Salary/Non Salary Transfer

Salaried Employees

Self Employed

Features & Benefits

Loan Amount

Up to EGP 2,000,000.

Loan Term

Up to 8 years.

Free Life Insurance

Without guarantor.

Requirements

  • Customer’s age between 21 years and 60 years (65 years for self-employed) at loan end

Documents Required

  • Recent HR Letter or three salary slips or bank statement for the last six months
  • Copy of valid national ID card
  • Recent telephone, electricity or gas utility bill (maximum three months)​​

For Self Employed

  • Last six months account statement (personal or corporate)
  • Original commercial register or work permit

Fees & Charges

  • 1.5% from loan amount in Case of; salary transfer with the undertaking to notify the bank in case service ended or secured facilities by CDs/TDs. 2% for any other Type of Customers – (paid once)
  • EGP 150 assessment fees
  • EGP 20 monthly service charge
  • 5% late payment fee on the amount due
  • 5% early settlement fee (full/partial) on the total paid amount
  • 2% on the remaining balance for rescheduling

National Bank of Egypt NBE – Banks Employees Loan

البنك الأهلي المصري

EGP 3,000

Minimum Salary

8.5%

Flat Rate

No

Salary Transfer

EGP 2,450

Monthly Payment

8.5%

Advertised Rate

2,450

Monthly Repayment

Up to 700K

Loan Amount

Type of Loan - without Salary Transfer

Banks Employees

Features & Benefits

Loan Amount

Up to EGP 700,000.

Loan Term

Up to 7 years.

Free Life Insurance

Without guarantor.

Requirements

  • Customer’s age between 21 Years and 60 Years at loan end

Documents Required

  • HR letter with monthly salary & employment date
  • The employer’s undertaking to transfer borrower’s monthly salary or installment to the bank till full loan repayment
  • Copy of valid national ID
  • Bank Statement For Last 6 Months

Fees & Charges

  • Administrative fees 2 % of loan value till 7 years with minimum EGP 250 & 3% of loan value for more than 7 years with minimum 250 EGP
  • Early settlement fees 3% if paid in cash, 10% if paid with any other payment tool
  • Late payment fees EGP 20 monthly + 2% of the unpaid installment

National Bank of Egypt NBE – Petroleum Sector Employees Loan

البنك الأهلي المصري

EGP 3,000

Minimum Salary

8.5%

Flat Rate

No

Salary Transfer

EGP 2,450

Monthly Payment

8.5%

Advertised Rate

2,450

Monthly Repayment

Up to 500K

Loan Amount

Type of Loan - Without Salary Transfer

Petroleum Sector Employees

Private and Multinational Employees

Features & Benefits

Loan Amount

Up to EGP 500,000.

Loan Term

Up to 4 years. (5 years for private sectores).

Free Life Insurance

Without guarantor.

Requirements

  • Customer’s age between 21 Years and 60 Years at loan end

Documents Required

  • HR letter with monthly salary & employment date
  • Recent Electricity bill with minimum EGP 25
  • Copy of valid National ID
  • Bank Statment

Fees & Charges

  • Administrative fees 2 % of loan value till 7 years with minimum 250 EGP & 3% of loan value for more than 7 years with minimum 250 EGP
  • Early settlement fees 3% if paid in cash, 10% if paid with any other payment tool
  • Late payment fees 20 EGP monthly + 2% of the unpaid installment

National Bank of Egypt NBE – Government and Public Sector Employees Loan

البنك الأهلي المصري

EGP 3,000

Minimum Salary

8.5%

Flat Rate

No

Salary Transfer

EGP 2,450

Monthly Payment

8.5%

Advertised Rate

2,450

Monthly Repayment

Up to 30K

Loan Amount

Type of Loan - Without Salary Transfer

Government

Public Sector Employees

Features & Benefits

Loan Amount

Up to EGP 30,000.

Loan Term

Up to 4 years.

Free Life Insurance

Without guarantor.

Requirements

  • Customer’s age between 21 Years and 60 Years at loan end

Documents Required

  • HR letter with monthly salary & employment date
  • Recent Electricity bill with minimum EGP 25
  • Copy of valid National ID

Fees & Charges

  • Administrative fees 2 % of loan value till 7 years with minimum 250 EGP & 3% of loan value for more than 7 years with minimum 250 EGP
  • Early settlement fees 3% if paid in cash, 10% if paid with any other payment tool
  • Late payment fees 20 EGP monthly + 2% of the unpaid installment

National Bank of Egypt NBE – Business Owners and Self Employed Loans

البنك الأهلي المصري

EGP 3,000

Minimum Salary

8.5%

Flat Rate

Yes

Salary Transfer

EGP 2,450

Monthly Payment

8.5%

Advertised Rate

2,450

Monthly Repayment

Up to 700,000

Loan Amount

Types of Business Loans

Business Owners

Self Employed

Features & Benefits

Loan Amount

Up to EGP 700,000. (up to EGP 1M for doctores).

Loan Term

Up to 7 years.

Free Life Insurance

Without guarantor.

Requirements

  • A minimum of 3 years of business operation for NBE customers (to be NBE customer minimum one year), and 5 years for non-NBE customers.
  • Customer’s age between 21 Years and 65 Years at the loan maturity date.

Documents Required

  • Copy of a valid National ID
  • Copy of title documents or lease contract of business premises
  • A recent utility bill of residence and business premises
  • Copy of valid tax card, indicating business start date and card expiry date
  • A recent extract of the commercial register (with maximum 3 months since issuing) or copy of the business license
  • Corporate charter and a summary thereof, indicating equity participation shares (for business owners)
  • Certified personal or corporate bank statement of account for the last year

Fees & Charges

  • Administrative fees 2 % of loan value with a minimum of 300 EGP paid once and in advance
  • Early settlement fees 3% if paid in cash, 5% if paid with any other payment tool
  • Late payment fees 20 EGP monthly + 2% of the unpaid installment

National Bank of Egypt – Private and Multinational Employees Listed with NBE

البنك الأهلي المصري

EGP 1,250

Minimum Salary

8.5%

Flat Rate

Yes

Salary Transfer

EGP 2,475

Monthly Payment

8.5%

Advertised Rate

2,475

Monthly Repayment

Up to 2M

Loan Amount

Type of Loan - with Salary Transfer

Private Sector

Multinational Employees

Features & Benefits

Loan Amount

Up to EGP 1,000,000. (up to EGP 2M with end of  service dues transfer).

Loan Term

Up to 10 years.

Free Life Insurance

Without guarantor.

Requirements

  • Customer’s age between 21 Years and 60 Years at loan end

Documents Required

  • HR letter with monthly salary & employment date
  • The employer’s undertaking to transfer borrower’s monthly salary or installment to the bank till full loan repayment
  • Copy of valid national ID
  • Recent electricity bill

Fees & Charges

  • Administrative fees 2 % of loan value till 7 years with minimum EGP 250 & 3% of loan value for more than 7 years with minimum 250 EGP
  • Early settlement fees 3% if paid in cash, 10% if paid with any other payment tool
  • Late payment fees EGP 20 monthly + 2% of the unpaid installment

National Bank of Egypt NBE – Government and Public Sector Employees

البنك الأهلي المصري

EGP 1,250

Minimum Salary

8.5%

Flat Rate

Yes

Salary Transfer

EGP 2,450

Monthly Payment

8.5%

Advertised Rate

2,450

Monthly Repayment

Up to 2M

Loan Amount

Type of Loan - with Salary Transfer

Government

Public Sector Employees

Features & Benefits

Loan Amount

Up to EGP 1,500,000. (up to EGP 2M with end of service dues transfer).

Loan Term

Up to 10 years.

Free Life Insurance

Without guarantor.

Requirements

  • Customer’s age between 21 Years and 60 Years at loan end

Documents Required

  • HR letter with monthly salary & employment date
  • The employer’s undertaking to transfer borrower’s monthly salary or installment to the bank till full loan repayment
  • Copy of valid national ID

Fees & Charges

  • Administrative fees 2 % of loan value till 7 years with minimum EGP 250 & 3% of loan value for more than 7 years with minimum 250 EGP
  • Early settlement fees 3% if paid in cash, 10% if paid with any other payment tool
  • Late payment fees 20 EGP monthly + 2% of the unpaid installment

Mashreq Bank – Personal Loan without Salary Transfer

Mashreq Bank

EGP 3,000

Minimum Salary

8.72%

Flat Rate

No

Salary Transfer

EGP 2,475

Monthly Payment

8.72%

Advertised Rate

2,475

Monthly Repayment

1,320M

Loan Amount

Types of Personal Loans

With Salary Transfer

Without Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,320m.

Loan Term

loan term can very from 3 to 9 years.

Quick Processing

No collateral of guarantors required.

Requirements

  • Minimum age of 21 year-old and a Maximum of 60 year-old
  • Your employer must be on the bank’s approved employer list
  • You must have completed your probation period with your current employer
  • A credit cardholder or property owner, operating clinic and pharmacy owners

Documents Required

  • Copy of National ID
  • Utility bill
  • Salary letter Or 3 months’ Salary Slips Or 3 months bank statement showing monthly salary

Fees & Charges

  • 2.5% administrative fee starting from EGP 500
  • 1% of insurance fees
  • 7% for early full
  • 5% for partial settlement
  • EGP 100 late payment fee per installment calculated per year
  • 0.05% proportional stamp duty collected quarterly

Mashreq Bank – Personal Loan with Salary Transfer

Mashreq Bank

EGP 1,250

Minimum Salary

8.72%

Flat Rate

Yes

Salary Transfer

EGP 2,475

Monthly Payment

8.72%

Advertised Rate

2,475

Monthly Repayment

1,320M

Loan Amount

Types of Personal Loans

With Salary Transfer

Without Salary Transfer

Features & Benefits

Loan Amount

Up to EGP 1,320m.

Loan Term

loan term can very from 3 to 9 years.

Overdraft Facility

Access to revolving overdraft at up to twice your salary

Requirements

 

  • Minimum age of 21 year-old and a Maximum of 65 year-old
  • No guarantors required
  • Employees at companies that distribute payrolls through Mashreq bank

Documents Required

  • Copy of National ID
  • Utility bill
  • Salary transfer letter

Fees & Charges

  • 1.5% administrative fee starting from EGP 300 and up to EGP 5,000
  • 1% of insurance fees
  • 7% for early full
  • 5% for partial settlement
  • EGP 100 late payment fee per installment calculated per year
  • 0.05% proportional stamp duty collected quarterly
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