Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
QNB Al Ahli - Affordable Housing Loan - Baitak Ma’ana QNB Al Ahli - Affordable Housing Loan - Baitak Ma’ana Minimum Salary: EGP 0 Salary Transfer: Yes Early Settlement Fees: No Maximum Term: 20 Years Flat Rate: 10.5% Reducing Rate: 18.9%
Apply Online Now
Fill in your details below and a product advisor will call you back with more details.
At present, you can't apply for this product via But don't worry, by filling in the form below we'll help you find other options that you can apply for!
Some required information is not valid
Baitak Ma’ana program enables you to purchase an apartment with subsidized interest rate and no extra financial burden according to the Central Bank of Egypt initiative for low and middle-income clients.


• Finance that could reach up to 90% of the unit value
• The residential unit value could reach EGP950,000
• Repayment duration could reach 20 years.
• Freedom to choose the unit you want, in all of the governorates
• Free life and property insurance benefits throughout the loan duration
• Make use of our legal expertise to ensure the soundness of the unit documents you want to purchase
• Benefit from having your unit evaluated by registered appraisers for free
• Subsidized decreasing interest rate fixed over the loan period 5% or 7% for low-income clients and 8% for middle-income clients and 10.5% for upper middle-income clients according to the Central Bank of Egypt initiative
• There is no extra financial burden
  • Available for employed and self-employed
  • Loan amount that could reach EGP855,000
  • Available for Egyptians only
  • Client age starts from 23 to 60 years old for employed and 65 years old for self-employed at loan maturity
  • Taxes and fiscal stamps apply based on the current laws and regulations
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest flat rate on the product. This is not the APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
Representative Example Calculator