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Banque du Caire — Personal Loan

Calculate your installment

Example calculation — change the amount and period to see your own.

Personal Loan
RateThis is the flat rate. On a declining balance basis, the declining rate is 23%.
12.89%
Monthly payment
3,921 EGP
Total payment
141,170 EGP
Continue to bankDetails
Flat rate
12.89%
Declining rate
23%
Annual cost rate (APR)
25.87%
Monthly payment
3,921 EGP
Total interest
38,670 EGP
Total payment
141,170 EGP

The real yearly cost including upfront fees — use it to compare banks.

What you actually receive

Amount requested
100,000 EGP
Fees deducted upfront
2,500 EGP
Paid into your account
97,500 EGP
Total you repay
141,170 EGP

Upfront fees are deducted from the loan when it is paid out, but interest is charged on the full amount.

Repayment schedule

No.InstallmentPrincipalInterestFeesRemaining
13,921 EGP2,778 EGP1,074 EGP69 EGP97,222 EGP
23,921 EGP2,778 EGP1,074 EGP69 EGP94,444 EGP
33,921 EGP2,778 EGP1,074 EGP69 EGP91,667 EGP
43,921 EGP2,778 EGP1,074 EGP69 EGP88,889 EGP
53,921 EGP2,778 EGP1,074 EGP69 EGP86,111 EGP
63,921 EGP2,778 EGP1,074 EGP69 EGP83,333 EGP
73,921 EGP2,778 EGP1,074 EGP69 EGP80,556 EGP
83,921 EGP2,778 EGP1,074 EGP69 EGP77,778 EGP
93,921 EGP2,778 EGP1,074 EGP69 EGP75,000 EGP
103,921 EGP2,778 EGP1,074 EGP69 EGP72,222 EGP
113,921 EGP2,778 EGP1,074 EGP69 EGP69,444 EGP
123,921 EGP2,778 EGP1,074 EGP69 EGP66,667 EGP
Show remaining 24 months
No.InstallmentPrincipalInterestFeesRemaining
133,921 EGP2,778 EGP1,074 EGP69 EGP63,889 EGP
143,921 EGP2,778 EGP1,074 EGP69 EGP61,111 EGP
153,921 EGP2,778 EGP1,074 EGP69 EGP58,333 EGP
163,921 EGP2,778 EGP1,074 EGP69 EGP55,556 EGP
173,921 EGP2,778 EGP1,074 EGP69 EGP52,778 EGP
183,921 EGP2,778 EGP1,074 EGP69 EGP50,000 EGP
193,921 EGP2,778 EGP1,074 EGP69 EGP47,222 EGP
203,921 EGP2,778 EGP1,074 EGP69 EGP44,444 EGP
213,921 EGP2,778 EGP1,074 EGP69 EGP41,667 EGP
223,921 EGP2,778 EGP1,074 EGP69 EGP38,889 EGP
233,921 EGP2,778 EGP1,074 EGP69 EGP36,111 EGP
243,921 EGP2,778 EGP1,074 EGP69 EGP33,333 EGP
253,921 EGP2,778 EGP1,074 EGP69 EGP30,556 EGP
263,921 EGP2,778 EGP1,074 EGP69 EGP27,778 EGP
273,921 EGP2,778 EGP1,074 EGP69 EGP25,000 EGP
283,921 EGP2,778 EGP1,074 EGP69 EGP22,222 EGP
293,921 EGP2,778 EGP1,074 EGP69 EGP19,444 EGP
303,921 EGP2,778 EGP1,074 EGP69 EGP16,667 EGP
313,921 EGP2,778 EGP1,074 EGP69 EGP13,889 EGP
323,921 EGP2,778 EGP1,074 EGP69 EGP11,111 EGP
333,921 EGP2,778 EGP1,074 EGP69 EGP8,333 EGP
343,921 EGP2,778 EGP1,074 EGP69 EGP5,556 EGP
353,921 EGP2,778 EGP1,074 EGP69 EGP2,778 EGP
363,921 EGP2,778 EGP1,074 EGP69 EGP0 EGP

Fees

Early settlement
6%
Admin fee
2.5%
Late payment penalty
50 EGP + 4% of the overdue installment

Who can apply

Age
23 to 65 years old at the end of the loan term
Minimum salary
9,999 EGP
Salary transfer
No salary transfer
Employment type
Self-employed
Company sector
Private local

Under Central Bank of Egypt rules, your total monthly installments cannot exceed 50% of your income.

Required documents

Frequently asked questions

What is a personal loan and how does repayment work?

A personal loan is an amount a bank lends you that you repay through fixed monthly installments over an agreed period; each installment covers part of the principal and part of the interest. Use the calculator on this page to see an estimated monthly installment before deciding anything.

What determines the interest rate you're offered?

The rate a bank offers varies and is shaped by factors such as your employment type (employee, self-employed, or professional), whether you transfer your salary to that bank, your credit history, and the loan amount and tenor. That's why the offers you see change based on what you enter in the calculator.

What's the difference between flat and declining-balance interest?

Flat interest is calculated on the full original loan amount for the whole term, while declining-balance interest is calculated only on the remaining balance, which shrinks with each installment you pay. Two loans can quote the same-looking rate yet cost different amounts in practice — ask the bank which method it uses before comparing offers.

What documents are typically required to apply?

Required documents vary by bank, but typically include proof of identity, proof of income (such as a salary certificate or bank statement), and proof of address. Check each offer's details page in your calculator results to see exactly what that bank asks for.

What does salary transfer mean, and why does it change your offer?

Salary transfer means your monthly salary is deposited into an account with the bank that granted the loan. Some banks offer better rates or easier terms to customers who transfer their salary, because it lowers the bank's risk of missed payments — that's why the calculator asks about your salary-transfer status before showing results.

What does early settlement mean?

Early settlement means paying off the remaining loan balance in one payment before the agreed term ends. Most banks charge a fee for this, and the percentage varies by bank and by product — you'll find that percentage, where available, on each offer's details page.

What happens if you miss a payment?

Missing a payment can lead to late fees from the bank and a negative mark on your credit record with Egypt's credit-reporting bodies, which can make future financing harder to get. If you expect difficulty paying, it's best to contact your bank early to discuss the options available rather than staying silent.

Where do the numbers on this page come from, and how current are they?

The offers and rates shown in your calculator results come from bank data we collect and update on an ongoing basis — they are not figures we invent or estimate ourselves. Even so, the actual rate at the time you apply can change, so we always recommend confirming final terms directly with the bank before signing.

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