Loans

​​​​​​​​​​​​​​​​​​​​"No goals is too far with the unlimited benefits of ABC Personal Loans.​"

1. Secured Personal Loans​​

• Offered to Egyptian and foreign customers holding CDs or TDs
• Loan against collateral (CDs or TDs) with a limit up to 90% of collateral value
• Competitive interest rates with a minimum of 3% above CDs rates 
• No maximum loan amount 
• Loan tenor: From 6 months to 10 years
  

Documentation:

• Application form.
• Copy of National ID.

2. Personal Loans to Payroll, Salary & Instalment Transfer

• Offered to Egyptian salaried employees working in the governmental, public, private, petroleum sectors and pensioners
• Loan amount up to EGP 3,000,000
• Flexible installments up to 12 years
• Competitive interest rate
• Free life insurance
• ​Consolidate your credit facilities in one place through a buyout program with competitive features

Documentation:

• Copy of National ID.
  
• Income Proof.
• Recent utility bill.
• Salary / Installment transfer undertaking.

3. Petroleum Loans:​​​​

Features:

• Offered to Egyptian salaried employees working in petroleum sectors
• Loan amount up to EGP 3,000,000
• Flexible installments up to 12 years
• Competitive interest rate
• Free life insurance
• Flexibility in paying multiple installments (Monthly and Quarterly / Semiannual / Annual)
• Consolidate your credit facilities in one place through a buyout program with competitive features

​Documentation:

• Copy of National ID
• Income Proof
• Recent Utility Bill
• Salary\Installment transfer undertaking

​​​​​​​​4. Person​al Loans without Salary Transfer​​​​

Features:

• Offered to Egyptian Salaried Employees working in the governmental, public or private sectors having their salaries transferred to other banks.
• Loan amount up to EGP 1,500,000
• Flexible installments up to 7 years
• Competitive interest rate
• Free life insurance
• Consolidate your credit facilitates in one place through a buyout program with competitive features and conditions

Documentation:

• Application form
• Copy of National ID
• Income Proof
• Recent utility bill​
  

​​​​​​​​5. Personal loans for Professionals​​​​

Features:

• Offered to Egyptians customers, professionals & partners.
• Loan amount: 1,500,000.
• Flexible installments up to 7 years for professionals
• Competitive interest rate
• Free life insurance
• Consolidate your credit facilities in one place through a buyout program with Competitive features and conditions

Documentation:

• Application form
• Copy of National ID
• Recent Utility Bill
• Copy of license of practice
• Copy of Tax Card
• Syndicate ID
• Last 6 months personal or business bank statement

6. ​​​​​​​​Personal loans for Bankers

Features:

• Offered to Egyptian Salaried Employees working in Banking sector
• Loan amount up to EGP 3,000,000
• Flexible installments up to 12 years
• Competitive interest rate
• Free life insurance
• Consolidate your credit facilities in one place through a buyout program with competitive features and conditions

Documentation:

• Application form
• Copy of National ID
• HR Letter or Stamped Bank Statement or 3 Salary Slips
• Recently Utility Bill

​

​​​​​​​​7. Personal loans for Pensions

Features:

• Personal loans offered to Pensioners
• Loan amount up to EGP 1,000,000
• Flexible installment up to 10 years
• Competitive interest rate
• Free life insurance.
• Consolidate your credit facilities in one place through a buyout program with competitive features and conditions

Documentation:

• Copy of National ID.
  
• Recent utility bill.​
  
• Pension Slip 
  

​​​​​​​​8. Personal loans for Army ​Pensions

Features:

• Personal loans offered to Army Pensioners
• Loan amount up to EGP 2,000,000
• Flexible installments up to 12 years
• Competitive interest rate
• Free life insurance
• Consolidate your credit facilities in one place through a buyout program with competitive features and conditions

Documentation:

• Copy of National ID
  
• Recent utility bill
  
• Pension Slip 
  

9. Ultimate Loans​

Features:

• Personal loans offered to customers classified as Ultimate customers
• Loan amount up to EGP 3,000,000
• Flexible installments up to 7 years
• Competitive interest rate 
• Free life insurance
• Consolidate your credit facilities in one place through a buyout program with competitive features and conditions

Documentation:

• Copy of National ID
• Recent Utility Bill
• Income Proof Document

10. Car Owner Personal Loan​

Features:

• Individuals owning cars where car model is 3 years back
• Loan amount up to EGP 300,000
• Flexible installments up to 5 years
• Competitive interest rate
• Free life insurance

Documentation:

• Copy of a valid national ID
• Recent Utility Bill
• Car license copy
• Free life insurance

11. Compound Owners ​Personal Loan​s

Features:

• Individuals that own houses / apartments in compounds.
• Loan amount up to EGP 1,500,000
• Flexible installments up to 7 years
• Competitive interest rate
• Free life insurance

Documentation:

• Copy of a valid national ID
• Recent Utility Bill
• Property contract
• Free life insurance

12. Doctor Personal loans

Features:

• Loans granted to medical professionals by calculating income based on years in practice as per the license
• Loan amount up to EGP 1,500,000
• Flexible installments up to 7 years
• Competitive interest rate
• Free life insurance

• Copy of a valid national ID
• Recent Utility Bill
• For clinic owners: Certificate of Profession, Medical facility operating license, valid syndicate ID
  For Salaried doctors: Syndicate’s ID
• Free insurance
• Competitive interest rate

13. Personal loans-Professionals (non-income proof)

Features:

• Personal Loans  to Skilled Professionals other than medical professionals
• Loan amount up to EGP 1,000,000
• Flexible installments up to 6 years
• Competitive interest rate
• Free life insurance
  

Documentation:

• Copy of valid national ID
• Recent Utility Bill
• Syndicate ID
• Valid Taxation card

Mortgage Finance Low Income 7% & 3% CBE Initiative (Visual)

• Financed amount up to 80% of property value.
• Maximum property value EGP 340,000
• Flexible repayment terms up to 30 years.
• Free life insurance coverage for the borrower.
• Interest rates as per CBE Low Income Initiative.
• Discount rate 40% of the monthly income of the client.

 CBE Initiative Conditions:

• For Egyptians only.
• Minimum age is 21 years old.
• Customer never granted a loan under this governmental subsidy.
• Financing a subsidized residential unit through Mortgage Finance Fund.
• Fully constructed and residential unit.

• Valid national ID.
• Proof of monthly salary
• Recent original utility bill last 3 months.
  

 In Case of Salaried Customers:

For Salary Transfer and Non- Salary Transfer.

• HR Letter.
• Minimum length of service at least 6 months at current company.

For business owner.

• Valid commercial register
• Valid Taxation card
• Stamped Bank Statement of 6 months 
• Income proof of CBE certified charter accountant.
  ​

Mortgage Finance Middle Income 8% CBE Initiative 

• Loan amount up to EGP 2,000,000 (80% of property value).
• Maximum property value EGP 2,500,000
• Flexible repayment terms up to 25 years.
• Free life insurance coverage for the borrower.
• Interest rates as per CBE Middle Income Initiative.
  

 CBE Initiative Conditions:

• For Egyptians only.
• Minimum age is 21 years old.
• Customer never granted a loan under this governmental subsidy.
• Financing a subsidized residential unit through Mortgage Finance Fund.
• Fully constructed and residential unit.
  

• Valid national ID.
• Proof of monthly salary
• Recent original utility bill last 3 months.
  

 In Case of Salaried Customers:

For Salary Transfer and Non- Salary Transfer:​

• HR Letter.
  
• ​Minimum length of service at least 6 months at current company. .
  

For business owner:​​

• Valid commercial register
• Valid Taxation card
• Stamped Bank Statement of 6 months
• Income proof of CBE certified charter accountant.

Mortgage Finance Middle Income 3% CBE Initiative (Visual)

• Loan amount up to EGP 1,120,000 (80% of property value).
• Maximum property value EGP 1,400,000
• Flexible repayment terms up to 30 years.
• Free life insurance coverage for the borrower.
• Interest rates as per CBE Middle Income Initiative.

 In Case of Salaried Customers:

• For Egyptians only.
• Minimum age is 21 years old.
• Customer never granted a loan under this governmental subsidy.
• Financing a subsidized residential unit through Mortgage Finance Fund.
• Fully constructed and residential unit.

 General Required Documents

• Valid national ID.
• Proof of monthly salary
• Recent original utility bill last 3 months.

 In Case of Salaried Customers:

• For Salary Transfer and Non- Salary Transfer.
• HR Letter.
• Social insurance at least 6 months at current company.
• Bank statement of salaried transfer for at least 6 months.