Pensioners Personal Loan — banque du caire | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Pensioners Personal Loan

banque du caire · Loans · Egyptian Pound · 4.0 · Thursday 22 October 2026 - 08:19 PM

Banque du Caire’s pensioner loan offers up to EGP 1 million, repayment terms of up to 12 years, and interest rates starting at 22% annually on a reducing balance basis.

Interest rate
22%
Loan amount
EGP 3,000 – 1M
Term up to
12 yrs
Type
Personal Loan

Banky Analysis

An audit of the product itself

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

  • 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 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
22%
Min amount
EGP 3,000
Max amount
EGP 1,000,000
Min term
1 yr
Max term
12 yrs
Max DTI
50%
Processing fee (%)
2.5%
Early repayment penalty
10%

Eligibility & requirements

Min monthly income
EGP 1,000
Min age
21
Max age
70
Approved employer
Yes
Requires collateral
Yes
Life insurance
Yes
Accepted employment types
Pensioner
Accepted professions
Pensionerany profession
Security types
Salary TransferWithout Salary Transfer
Required documents
National ID CopyRecent Utility Bill
Eligibility criteria
Nationalityegyptian
Requires iScoreNo

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Pensioners Personal Loan

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Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 4.0

4.0 Banky rating

Pros

  • Financing of up to EGP 1 million with repayment terms of up to 12 years.

Cons

  • Life insurance is mandatory.

Our take

Banque du Caire’s pensioner loan offers financing of up to EGP 1 million, with repayment terms of up to 12 years, allowing borrowers to spread installments over an extended period. The minimum income requirement is EGP 1,000, and applicants must be at least 21 years old, with their age not exceeding 70 at the end of the loan term. Available programs include customers, former employees, additional-income applicants under the certified accountant certificate program, and debt buyouts from other banks. However, interest rates start at 22% annually on a reducing balance basis, and life insurance is included, making it important to assess the overall borrowing cost before applying.

Banque du Caire’s pensioner loan offers up to EGP 1 million, repayment terms of up to 12 years, and interest rates starting at 22% annually on a reducing balance basis.

Compare

Alternatives at a glance
Pensioners Personal Loan banque du caire This one Business owners and self-employed National Bank of Egypt Private Sector Employees Personal Loan banque du caire Personal Loan for Bank Employees The Industrial Development Bank
Interest rate
22% 22% – 22.25% 22% 19% – 20.5%
Loan amount
EGP 3,000 – 1M Up to EGP 1.5M EGP 5,000 – 2M Up to EGP 5M
Term up to
12 yrs 7 yrs 10 yrs 15 yrs
Type
Personal Loan Personal Loan Personal Loan Personal Loan
Compare with 3 similar loans

Added Thursday 02 July 2026 - 11:26 AM Updated Thursday 22 October 2026 - 08:19 PM