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Egypt's Real Estate Financing: 12-Year Installment Plans
The Egyptian real estate market has experienced a shift in the housing finance system, as developers expand their sources of capital by combining customer installments, bank financing, and asset securitization. Between March 2025 and August 2026, major developers secured funding totaling up to 52.2 billion Egyptian pounds, alongside the issuance of a securitization program worth 30 billion pounds, starting with an initial issuance of 2.015 billion. Projects face a time gap between revenue collection and expenditure, with repayment plans extending over 8 to 12 years, which underscores the need for diversified and renewable funding sources. The scale and complexity of projects require substantial investments, leading to an evolution from short-term to longer-term financing, supported increasingly by bank loans and securitization. Additionally, the assets of real estate investment funds have grown, reaching a net worth of 12.6 billion pounds by the end of the second quarter of 2026, with plans to launch new funds. The report emphasizes the importance of enhancing transparency through escrow accounts for customer payments to boost confidence and support sustainable financing in the Egyptian real estate market.
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