Loans

​​​​​​​​ 1. Personal Loans

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


Secured Personal Loans​​
Features:

  • Offered to Egyptian and foreign customers holding CDs or TDs
  • Loan against collateral (CDs or TDs) with a limit up to 95% of collateral value
  • ​Competitive interest rates with a minimum of 3% above deposit rates
  • No maximum loan amount
  • Loan tenor from 6 months to 10 years

Documentation:

  • Application form.
  • Copy of National ID.
​
​​Personal Loans to Payroll, Salary & Instalment Transfer​
Features:

  • Offered to Egyptian Salaried Employees working in the governmental, public, private and petroleum sectors.
  • 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.
  • Income Proof.
  • Recent utility bill.
  • Salary/ Installment transfer undertaking.

​​​​​​​​Personal 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 facilities in one place through a buyout program with competitive features and conditions

Documentation:

  • Application form.
  • Copy of National ID.
  • Income Proof / HR letter.
  • Recent utility bill.

​​​​​​​​Personal loans for Professionals​​​​

Features:

  • Offered to Egyptians customers, professionals & partners.
  • Loan amount up to EGP 500,000
  • Flexible installments up to 6 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.

​​​​​​​​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
  • Recent utility bill.
* ​Bank statement shows 3 months’ salary transfer

Special Pre-Assigned Personal Loan offered to medical Owners and professionals. Pre-assigned Personal loan against your credit card limit based on your credit performance. Pre assigned loans for Compound Owners. Pre assigned loans for Car Owners​


​​​​​​​​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 

​​​​​​​​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 
​

Special Pre-Assigned Personal Loan offered to medical Owners and professionals. Pre-assigned.Pre assigned loans for Compound Owners. Pre assigned loans for Car Owners


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​​ ​

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
​​ ​
Medical Professionals ​​Personal Loan​s

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 

Documentation:

  • 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​​​ ​
​ ​
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​

​​​​​2.Auto Loans

​ ​"Finance your brand new car easier & faster than ever with Bank ABC​​"
Finance your brand new & Used cars easier & faster than ever with Bank ABC

What we offer:

  • ​Car financing up to EGP 7,000 ,000
  • Wider range of down payments options from 25% to 100%.
  • Flexible installments up to 8 years.
  • Free life insurance.
  • Fast approval process.

Who can get it?

  • Offered to Egyptians customers.
  • Salaried employees, pensioners, self-employed & professionals.

Documents needed to apply:

For clients with income proof:

For Employees:

  • Application form.
  • Copy of National ID.
  • HR Letter.
  • Recent utility bill.
  • Performa invoice.

For Self-Employed & Professionals:

  • Application form.
  • Copy of National ID.
  • Valid commercial register for self or operating license for professionals.
  • Last 6 months bank statements.
  • Recent utility bill.
  • Performa invoice.

For clients without income proof:

For Employees:

  • Copy of National ID.
  • Recent utility bill.
  • Performa invoice.

For Self-Employed & Professionals:

  • Copy of National ID.
  • ​Recent utility bill.
  • Performa invoice.

3. Mortgage Finance Loans

Mortgage Finance Low Income 7% & 3% CBE Initiative 

  • 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.
 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.
  • 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.
 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.

Mortgage Finance Middle Income 3% CBE Initiative 

  • 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.

 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.
 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.