Regulatory Alerts2025-10-16
Added · Updated
Amendment of Interest Rates for Real Estate Financing Initiatives for Low and Middle-Income Earners
The Council of Ministers approved amendments to the interest rates for two real estate financing initiatives effective October 15, 2025. The rate for the initiative targeting middle-income earners is increased from 8% to 12% (declining balance), while the rate for the initiative covering low and middle-income earners is raised from 3% to 8% (declining balance). These revised rates apply to all new loans under these initiatives starting from the decision date.
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Mr. Professor / Chairman of the Board of Directors, Bank
Greetings and best regards,
Cairo on: October 16, 2025
With reference to the real estate financing initiative for middle-income earners at an 8% (declining balance) interest rate, issued under Circular
Dated December 19, 2019, and its amendments, as well as the real estate financing initiative for low and middle-income earners at an interest rate of
3% (declining balance) issued under Circular dated July 13, 2021.
And with reference to the decision of the Prime Minister No. 4151 of 2022, stipulating that the Ministry of Finance shall manage
And follow up on the new (future) initiatives or any modifications to the existing initiatives in accordance with the controls and provisions contained
In the decision and after the approval of the Council of Ministers, please note that the Council of Ministers has approved in its session No. (62)
Dated October 15, 2025, the amendment of the interest rate for the real estate financing initiatives for low and middle-income earners mentioned
Above to become as follows:
Real estate financing initiative for middle-income earners at an interest rate of 12% (declining balance) instead of 8% (declining balance).
Real estate financing initiative for low and middle-income earners at an interest rate of 8% (declining balance) instead of 3% (declining balance).
These amendments shall be applied to any new loans within the framework of the real estate financing initiatives mentioned above
Effective from the date of the decision (October 15, 2025).
Please kindly alert towards adhering to the above.
Please accept my highest respect,
Tarek El Kholy
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Source: Central Bank of Egypt — original document
Summary generated with machine assistance and reviewed before publication; the authoritative text is the regulator's original document. How RegAlert works
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