Regulatory Alerts2026-02-01
A circular dated February 1, 2026 regarding the Council of Ministers’ approval to exclude specific cases of clients from adjusting the return rates of real estate financing initiatives.
The Cabinet approved new interest rates of 8% and 12% declining for limited and middle-income real estate finance initiatives, replacing the previous 3% and 8% declining rates. However, these new rates do not apply to existing applicants of the "Housing for All Egyptians" initiative (1-2-3) who will retain their original 3% and 8% declining rates. Furthermore, the previous 3% and 8% declining rates will continue to be applied for specific humanitarian cases, including families of martyrs and urgent cases, for up to 600 units annually, with strict compliance required for files originating from the Social Housing and Real Estate Finance Support Fund.
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