CBE Mortgage Initiative
Mortgage financing for low- and middle-income applicants, with reducing-balance interest rates of 3%–12%, repayment terms of up to 30 years, and a down payment starting at 15%.
- Interest rate
- 3% – 8%
- Term up to
- 30 yrs
- Type
- Mortgage Finance
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
- Branch application only
- Requires a down payment
- Requires collateral
- Early settlement penalty higher than average
What's good
- Finances a larger share of the price
- Fewer documents than average
- The bank publishes its processing fee
- Repayment term longer than average
Not known yet
1 more detail we don't have yet
All of this is measured against home finance in EGP only
Last checked Monday 26 October 2026 - 02:17 AM
Rates, terms & fees
- Loan type
- Mortgage Finance
- Interest type
- Reducing Balance
- Interest rate
- 8%
- Min amount
- EGP 0
- Max amount
- EGP 0
- Min term
- 3 yrs
- Max term
- 30 yrs
- Max DTI
- 50%
- Max financing
- 85%
- Zero down payment
- No
- Processing fee (%)
- 2.5%
- Early repayment penalty
- 10%
Eligibility & requirements
- Min age
- 21
- Max age
- 65
- Approved employer
- No
- Requires collateral
- Yes
- Life insurance
- Yes
- Accepted employment types
- EmployedSelf-EmployedFreelancerPensioner
- Accepted professions
- any profession
- Security types
- Without Salary TransferSalary Transfer
- Required documents
- National ID CopySalary Slip (Last 3 Months)Recent Utility Bill
| Nationality | egyptian |
| Requires iScore | No |
Programs
| Program | Rate | Max amount | Segment | Financing | Zero down |
|---|---|---|---|---|---|
| متوسطي الدخل 8% | 8% | EGP 0 | Middle income | 85% | No |
Do the maths
Our take
Pros
- Interest rates starting at 3% annually on a reducing balance basis.
- repayment terms of up to 30 years
- free life insurance covering death or total disability
Cons
- Financing is subject to the initiative’s eligibility requirements, including age, income, and other applicable conditions.
Our take
Banque du Caire offers mortgage financing under Central Bank of Egypt initiatives for low- and middle-income applicants purchasing existing residential units. Reducing-balance interest rates range from 3% to 12%, depending on the applicable program and eligibility requirements, with repayment terms of up to 30 years. The minimum down payment starts at 15% of the property price, and free life insurance covers death or total disability. However, access to financing depends on meeting the relevant program’s eligibility criteria, including age, income, and other applicable requirements.
Mortgage financing for low- and middle-income applicants, with reducing-balance interest rates of 3%–12%, repayment terms of up to 30 years, and a down payment starting at 15%.
Compare
| CBE Mortgage Initiative banque du caire This one | CBE Mortgage Initiative National Bank of Egypt | Mortgage finance initiative for middle-income earners at an 8% interest rate Arab African International Bank | Mortgage Finance under CBE Middle-Income Initiative SUEZ CANAL BANK |
|---|---|---|---|
| Interest rate | |||
| 3% – 8% | 8% – 12% | 8% | 8% – 12% |
| Loan amount | |||
| — | EGP 10K – 14M | Up to EGP 2.5M | Up to EGP 2M |
| Term up to | |||
| 30 yrs | 30 yrs | 25 yrs | 30 yrs |
| Type | |||
| Mortgage Finance | Mortgage Finance | Mortgage Finance | Mortgage Finance |
Added Thursday 02 July 2026 - 10:56 AM Updated Thursday 22 October 2026 - 09:47 PM