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Mortgage Calculator

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Mortgage
Interest rateDeclining balance: 8% — Calculated on the remaining balance, not the full amount — usually cheaper than the flat rate.
4.56%
Monthly installment
19,747 EGP
Total repaid
2,369,600 EGP
  • No Salary Transfer
  • Mortgage Finance Features Loan Tenor could Reach 25 Years.
  • The applied rate is a fixed interest rate.
  • Financed amount based on the value of evaluation or the selling price (whichever is less).
  • Total Mortgage loan installment should not exceed 40% of the net monthly income.
  • Availability to fund registered units, recordable units or units assigned to the new urban communities.
  • Property must be fully constructed and connected to the public utilities, For Unit documents Click here .
Continue to bankDetails
Mortgage
Interest rateDeclining balance: 8% — Calculated on the remaining balance, not the full amount — usually cheaper than the flat rate.
4.56%
Monthly installment
19,580 EGP
Total repaid
2,349,600 EGP
  • No Salary Transfer
  • Mortgage Finance Features Loan Tenor could Reach 25 Years.
  • The applied rate is a fixed interest rate.
  • Financed amount based on the value of evaluation or the selling price (whichever is less).
  • Total Mortgage loan installment should not exceed 40% of the net monthly income.
  • Availability to fund registered units, recordable units or units assigned to the new urban communities.
  • Property must be fully constructed and connected to the public utilities, For Unit documents Click here
Continue to bankDetails
Mortgage
Interest rateDeclining balance: 8% — Calculated on the remaining balance, not the full amount — usually cheaper than the flat rate.
4.56%
Monthly installment
19,680 EGP
Total repaid
2,361,600 EGP
  • No Salary Transfer
  • Mortgage Finance Features Loan Tenor could Reach 25 Years.
  • The applied rate is a fixed interest rate.
  • Financed amount based on the value of evaluation or the selling price (whichever is less).
  • Total Mortgage loan installment should not exceed 40% of the net monthly income.
  • It is applicable to add a partner’s income (1st-degree relatives only) in order to increase the loan amount.
  • Availability to fund registered units, recordable units or units assigned to the new urban communities.
  • Property must be fully constructed and connected to the public utilities, For Unit documents Click here .
Continue to bankDetails

Frequently asked questions

What is a mortgage and how does it work?

A mortgage is a long-term loan for buying a home: you pay a share of the property value up front as a down payment, the bank or finance company funds the rest, and you repay it in monthly installments covering principal and interest over the contract term.

What is the difference between subsidized and market-rate mortgages?

Subsidized mortgages are offered under government initiatives at reduced rates, with income caps and unit-price limits, while market-rate mortgages have no such restrictions but carry higher rates. Initiative eligibility changes over time and varies by lender.

How much down payment do I need?

Each lender sets a minimum down-payment percentage; the more you put down, the smaller the financed amount, the monthly installment, and the total interest. The minimum varies by bank and program.

What is the difference between a flat rate and a declining balance rate?

A flat rate is charged on the full financed amount for the whole term, while a declining balance rate is charged only on what is still owed after each installment — so a higher declining number can equal a lower flat number. Always check which type a lender is quoting.

What documents are usually required?

Typically: proof of identity, proof of income (salary statements for employees, or commercial registration and tax returns for the self-employed), and the property's documents. The exact list varies by lender and program.