* The applicant must be at least 21 years old at the beginning of the financing, not more than 59 years when applying, and not more than 65 years at the end of the financing period, except for the employee who has no additional income other than his salary, the maximum is 60 years at the end of financing.

* The payment systems are multiple and tailored to suit all income levels and customer needs.

* The monthly installment should not exceed 50% of the Net monthly income.

* Finance is granted to any property within the Arab Republic of Egypt. (Subject to approval)

The unit is evaluated by one of the registered appraisers in the Financial Regulatory Authority’s registers.

* The financing percentage reaches 80% of the value of the unit (sale or evaluation, whichever is less) evaluated through one of the registered appraisers in the Financial Regulatory Authority’s registers.

Financing the purchase of residential, commercial, and administrative units based on the Ijarah system ending with ownership.

Yes, you can, through the Ijara system ending with ownership, and this product allows you to obtain financing against any unit you own, whether residential, commercial, or administrative, provided that the unit price is determined by an Expert appraiser’s registered in the Financial Regulatory Authority’s registers. Beltone Mortgage Finance will purchase the unit from you and lease it back to you again against paying a specific rent for the agreed financing period. Beltone Mortgage Finance Company will transfer the ownership of the unit back to you at the end of the financing period, after paying all installments.

Yes, customers can pay the remaining amount as an early settlement by paying the fees of early settlement and providing a request one month before.

* Provide a copy of a valid national ID (after reviewing the original).

* Submit a recent HR letter from the employer indicating the monthly or annual income of the client and the job/grade, provided that it is approved by the responsible manager and stamped with the stamp of the employer.

* Provide proof of any additional source of income (if any).

* Any additional source of income such as rental contracts, investment certificates, deposits ... etc.

* A bank statement for a previous year that reflects income/salary transfer.

* Submit a certificate of income or employment contract documented by the competent authority in the country of work (the Egyptian embassy or Egypt consulate in the country of work or the embassy or consulate of the country of work in Egypt and certified signatures from the Ministry of Foreign Affairs).

* Submit a copy of the national ID card + a copy of the passport (after reviewing the original).

* Submit a copy of the residence or visa in the country of work.

* Submit a bank statement for the previous year that reflects income.

* A recent copy of the commercial register (doesn’t exceed 3 months)

* Copy of association card for the freelance professions or professions of practicing license

* Certificate credential issued by a certified public accountant regarding the status of the investor from Tax Administration and The General Organization for Social Insurance

* A copy of a valid tax card.

* Company’s contract and any amendments. A copy of a valid national ID card.

* A certificate from a chartered accountant showing the customer's net monthly/annual income (in case the financing amount does not exceed the EGP25 million limit).

* Last 3 previous years’ financial statements certified by a chartered accountant and an interim position or last 3 previous years’ tax return or bank statement for the previous year

* A copy of the lease or ownership contract

* Submit a copy of the residence or visa in the country of work.

* Submit a bank statement for the previous year.

* Opening a bank account in Egypt.

* Last 3 previous years’ financial statements certified by a chartered accountant and an interim position or the last 3 previous years’ tax return documented by the competent authority in the country of work (the Egyptian embassy or Egypt consulate in the country of work or the embassy or consulate of the country of work in Egypt and certified signatures from the Ministry of Foreign Affairs).

In the case of financing foreigners:

* Submit a copy of the residence or visa in the country of work.

* Submit a receipt (electricity, telephone, water, gas) with the address of residence in Egypt and the job.

* Submit a bank statement for the previous year

* Submit a certificate of proof of income from the employer indicating the net monthly/annual income, duration of service, and job title, provided that it is approved by the responsible manager and stamped by the employer's

Yes, the customer can lease the unit to third parties provided that he informs the Company of the intention to lease in writing and in advance with obtaining written consent before leasing and that the customer remains fully responsible for the implementation of his obligations.

* The variable interest system, which is linked to the change in the average lending and deposit rate index announced by the Central Bank of Egypt.

* A copy of the seller's national ID card.

* A copy of the registered contract and the title deed of the land.

* Real estate transaction certificate (Form 19 Real Estate) to be issued after the Company's examination of the ownership documents.

* A recent official statement issued by the Real Estate Tax Mission. (On request)

* Any other documents that the case may require as a result of the ownership search according to the documents submitted.

* Building permit

* A copy of the seller's national ID card.

* A copy of the primary contract.

* A copy of the registered contract and the title deed of the seller.

* Real estate transaction certificate (Form 19 Real Estate) to be issued after the Company's examination of the ownership documents.

* A recent official statement issued by the Real Estate Tax Mission.

* A copy of the building permit.

* Any other documents that the case may require.

* A copy of the seller's national ID card.

* A copy of the land allocation notification from the city authority the New Urban Communities Authority or the primary sale contract.

* A copy of the record of receiving the land signed and approved by the city authority.

* A copy of the recent financial position of the land or providing evidence of regularity in the payment of price installments.

* A copy of the dividing document, if any.

* A copy of the building permit.

* Any other documents that the case may require as a result of the ownership search according to the documents submitted.

What are the conditions and documents required for the unit in real estate belonging to real estate development companies/public legal persons: -
* Ownership documents of the project in which the property to be financed is located.
* The initial sale contract is a title deed.
* Assignment of the property subject to financing or prohibition of disposal of the property in favor of our company free of any dues.
* A recent real estate disposal certificate (for and against the current owner) that has not been issued for a month and is issued for the period from the date of the seller's ownership until the date of the financing request, and real estate certificates may be requested for other periods if necessary.
* A recent official statement (real estate cost) issued by the Real Estate Tax Authority for the last inventory. (Upon request).

There are no units or projects for the company.

Yes

Yes, you can add more than one partner to one file

The customer submits the complaint by e-mail: Mortgage-complaint@beltoneholding.com

Or through customer service 17077 leaving his complaint and phone number, and the concerned department will contact him within 5 working days