Features The 20 year loan will bring your dreams within reach

20 Year loan

As much money as you need

We offer cash loan amounts of up to EGP 1.5 million against your property with a maximum of 75% of its value to help you pursue your dreams

Pay us back over 20 years

Pay back the loan amount over up to 20 years, to give yourself the space you need to have the future you imagine

Life and property insurance

Get life and property insurance until the end of the loan period

Floating interest

Repayment terms are based on floating interest rates linked to the Central Bank of Egypt’s published interest rates

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Repayment examples of typical sums borrowed

  • Borrow EGP 500,000 & repay over 10 years

    EGP 8,454 per month

  • Borrow EGP 1,000,000 & repay over 10 years

    EGP 16,908 per month

  • Borrow EGP 1,500,000 & repay over 20 years

    EGP 21,152 per month

Fees and charges The fees and charges for mortgages
Service type Commission/Fees
Application fee EGP 300
Appraisal fee
Calculated on a case-by-case basis by the 3rd party appraisal company
Admin fee 1.5% of the loan amount
Early settlement fee 5% of the paid amount
Late penalty 5% over the current interest rate
Loan rescheduling fees 2% from residual loan amount 
Registration Fees and Expenses Calculated on a case-by-case basis by the 3rd party registration company

What you need to get a 20 year loan

Request a loan and customer service agent will be in touch within 48 hours

CIB mortgages are available to:

  • Salaried employees
  • Self-employed individuals
  • Professionals (e.g.: doctors, pharmacists, university professors, and others)

Age limitations:

  • Minimum age: 21 years old.
  • Maximum age: 60 years old at loan maturity for salaried individuals; 65 years old for self-employed individuals.

For salaried employees, please provide a confirmation of employment from your employer.

For self-employed individuals, please provide:

  • A copy of taxation card
  • A copy of recent valid commercial register 
  • Financial statements for last 3 years or taxation endorsements or bank statements for the last 6 months

For professionals, please provide:

  • A copy of your license for your practicing profession
  • Copies of your taxation card
  • Financial statements for last 3 years or taxation endorsements or bank statements for the last 6 months

Other documents may be required on a case-by-case basis.

What are the required property documents?

Documents for the property to be purchased will also be required and will depend on the type of property and its location.


For more information, contact CIB customer service at 19666, open 24 hours, 7 days a week.

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