Account Name

(0 Rate)

Ijarah program for residential for employee

Product Rate

(0 Rate)


- Short turn around time - Competitive interest rate fixed & variable


· You can pay monthly rentals up to 15 years and own the leased property at the end of the term of the lease. · Under Ijarah financing, EHFC buys the property from the developer/seller & lease it to the customer with the option to own the leased property at the end of the term of the lease as per the agreement signed between the two parties. The customer pays monthly rentals that comprise of fixed, variable and supplementary rentals.


· Finance up to 80 % of the value of residential units · Finance up to 15 years · Maximum loan amount EGP 10,000,000 · EHFC can accept 1st degree partner for an extra income · Competitive interest rate fixed & variable · EHFC can finance registered units, eligible ones for registration, new urban communities/ cities located in: Greater Cairo, such as (New Cairo City /6th of October City), and all over governorates in Egypt including Ein El Sokhna, North Coast etc…


• Resident Egyptians • Employers • Resident Foreigners


-Copy of ID (valid) -Recent personal photo -Recent utility bill (Water, Gas, Electricity bill) for current residence -Any additional source of income (eg, residential unit rental contract, investment certificates, deposits etc.) -Copy of rental contract if there is a rented residence *For employee working in Egypt: -HR letter is addressed to the Egyptian Housing Finance Company (Original, Signed , Stamped and dated/valid for 3 months) stating the net monthly income, job title and date of appointment -Personal bank statement for the last 6 months (Salaried or not) * For egyptians working abroad: - -Copy of passport -Copy of residence permit -HR letter(Stamped from Egypt embassy and authentiacted from ministry of foreign affairs ) -Copy of work contract -Salary transfer account statement for the last 6 months. -Copy of unit documents




Application Fees: 350 EGP

One Time Fees: %1.5

Monthly Fees: --- EGP

Annule Fees: --- EGP

Interest Rate

25 %

Interest Type

Declining Rate

Mortgage Type


Min Tenure

12 Month

Max Tenure

180 Month

Min Amount

100,000 EGP

Max Amount

10,000,000 EGP

Max Amount To Home Value

70 %

Max Amount To Annual Income

1 Times

Max Installment To Net Monthly Income

40 %

Min Age

21 Years

Max Age

65 Years

Min Net Monthly Income

5,000 EGP

Employment Status


Business Type

Doctor Engineering Consultant Accountant Other

Employer Type

Multinational Local Private Public Sector Government

Processing Time

10 Days