Investment Finance In Egypt

Below is a general account of the facts of financing a property in Egypt.

The mortgage market is relatively under-developed in Egypt but due to newly implemented mortgage laws, foreigners can now obtain Egyptian pound mortgages for loans of up to 85% LTV. Lending can extend to 30 years up to the maximum age of 65 and maximum monthly installments are not to exceed 25% of your monthly income. However, currently the interest rate stands at around 14% p.a. so many buyers still prefer to seek alternative means of finance.

In order to obtain pre-approval, proof of land ownership is required, as is the name of the developer.

This new law is expected to open up the market considerably and create a storm of development and real estate activity in the near future. The past lack of a fully developed lending system slowed down the construction industry in Egypt. Even though Cairo is one of the most densely populated cities in the world, there has been a high demand for new housing. This situation is destined to change just as soon as mortgage facilities become more developed in Egypt.

Many buyers usually arrange alternative financing in their own countries or free up equity via a re-mortgage or equity release system, allowing them to purchase their property in Egypt outright.

Some off-plan developments offer their own finance arrangements of up to 100% finance, depending on status. The charges applicable vary according to developer and repayments are usually indexed.

If you have property in your own country and would like to borrow against this in an equity release plan, we can introduce you to independent financial advisors who can help you raise the necessary finance.

Click here to get a free mortgage quote for an Egyptian property.

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