Loan against Property
Real estate-backed financing from First Abu Dhabi Bank Egypt is a good option for individuals who own real estate.
- Interest rate
- 23%
- Loan amount
- EGP 10K – 2M
- Term up to
- 7 yrs
- Type
- Personal Loan
Banky Analysis
Loans cannot be reduced to one number. Below is what each bank publishes, and what it does not
What you trade off:
- Maximum amount lower than average
- Egyptian nationals only
- Repayment term shorter than average
What's good
- Apply online
- No down payment
- Early settlement penalty lower than average
Not known yet
1 more detail we don't have yet
All of this is measured against personal loans in EGP only
Last checked Monday 26 October 2026 - 02:17 AM
Rates, terms & fees
- Loan type
- Personal Loan
- Interest type
- Reducing Balance
- Interest rate
- 23%
- Min amount
- EGP 10,000
- Max amount
- EGP 2,000,000
- Min term
- 5 mo
- Max term
- 7 yrs
- Max DTI
- 50%
- Processing fee (%)
- 2%
- Early repayment penalty
- 8%
Eligibility & requirements
- Min age
- 30
- Approved employer
- No
- Requires collateral
- No
- Life insurance
- No
- Accepted employment types
- EmployedGovernmentMilitarySelf-EmployedPensionerFreelancer
- Accepted professions
- any profession
- Security types
- Residential Unit-Backed
- Required documents
- National ID CopyRecent Utility BillLease Contract or Ownership Proof
| Nationality | egyptian |
Do the maths
Our take
Pros
- The bank offers financing of up to EGP 2,000,000 secured by the property.
- Flexible repayment period: Repayment term of up to 84 months (7 years).
- Competitive rates of return: The bank offers competitive interest rates and returns compared to some other personal finance programs.
- The bank provides an online calculator to estimate the monthly installment based on the financing amount and repayment period, enabling proactive financial planning.
Cons
- The bank requires the applicant to be at least 30 years old.
- The loan requires pledging the property as collateral to the bank, which entails legal obligations as well as procedures for property valuation and mortgaging.
- Administrative fees of up to 2% of the loan amount apply.
- The program is available exclusively to Egyptian citizens.
Our take
Property-backed financing from First Abu Dhabi Bank (FAB) Egypt is an excellent option for property owners aged 30 and older who require significant liquidity—up to EGP 2 million—for investments or major expenses, with a repayment plan extending up to seven years. If you meet the age requirement (30+), own a qualifying property, and prefer securing a high loan amount at a competitive interest rate by mortgaging that property, this loan is suitable for you. However, if you are looking for a faster process that does not require a mortgage or property valuation, personal loans secured by your salary or savings might be a more convenient choice.
Real estate-backed financing from First Abu Dhabi Bank Egypt is a good option for individuals who own real estate.
Compare
| Loan against Property FABMISR This one | Doctors' Loan NBE National Bank of Egypt | Pensioners Loan Agricultural Bank of Egypt | Employees Personal Loan (with salary transfer) banque du caire |
|---|---|---|---|
| Interest rate | |||
| 23% | 23% | 23% | 22% – 22.5% |
| Loan amount | |||
| EGP 10K – 2M | EGP 10K – 2M | EGP 5,000 – 500K | EGP 3,000 – 2M |
| Term up to | |||
| 7 yrs | 7 yrs | 10 yrs | 15 yrs |
| Type | |||
| Personal Loan | Personal Loan | Personal Loan | Personal Loan |
Added Saturday 26 September 2026 - 12:33 PM Updated Wednesday 21 October 2026 - 04:09 PM