Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Banque Misr - Cash Loan Banque Misr - Cash Loan Minimum Salary: EGP 900 Salary Transfer: No Islamic Finance: No Maximum Term: 8 Years Flat Rate: 7.5% Reducing Rate: 13.5%
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Programs details

1-      Program 1 - According to obligation of transferring salary or installment accompanied with end of service dues

2-     Program 2 - According to obligation of transferring salary or installment without end of service dues

3-     Program 3 - Without obligation ( for companies transferring salary via salary cards )

  • Longest payback period ( loan tenor ) up to 8 years
  • Biggest loan amount up to EGP 500,000 ( except for 3rd program
  • Least interest rate & administrative fees
  • Applicant age range min 21 years & max 65 years at loan maturity date
  • Maximum monthly deduction ( installment ) equivalent to 50% net monthly salary revenue
  • Free life insurance for applicant during loan life
  • No guarantor required
  • 3 months Minimum period in current occupation
Documents Required
  • Recent salary particular ( maximum past two months )
  • Verified form of obligation ( salary transfer ) from occupation origin ( not applicable for 3rd program )
  • Recent utility bill ( maximum past three months )
  • Copy of applicant valid id
** 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.
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