العربية

Employees Loan

Agricultural Bank of Egypt · Loans · Egyptian Pound · 4.0 · Monday 10 August 2026 - 12:26 PM

The personal loan from the Agricultural Bank of Egypt is considered an excellent solution for government employees and pensioners who wish to pay off large sums in installments over long periods.

Interest rate
24%
Loan amount
EGP 10,000 – EGP 6,000,000
Term up to
10 yrs
Type
Personal Loan

Rates, terms & fees

Loan type
Personal Loan
Interest type
Reducing Balance
Interest rate
21%
Min amount
EGP 10,000
Max amount
EGP 6,000,000
Min term
1 yr
Max term
10 yrs
Max DTI
50%
Max financing
100%
Processing fee (%)
2%
Processing fee (fixed)
EGP 200
Early repayment penalty
7%

Eligibility & requirements

Min monthly income
EGP 3,000
Min age
21
Max age
65
Accepted employment types
GovernmentFreelancerEmployedSelf-EmployedMilitary
Accepted professions
Government EmployeeFreelancerPrivate Sector Employee
Self-employed register months
24 mo
Approved employer
No
Requires collateral
No
Security types
Salary TransferWithout Salary Transfer
Life insurance
No
Required documents
National ID CopySalary Slip (Last 3 Months)Bank Statement (Last 6 Months)Commercial RegisterTax CardRecent Utility Bill
Eligibility criteria
Nationalityegyptian
Requires iScoreNo
Notesللعاملين الدائمين بالحكومة أو القطاع العام أو قطاع الأعمال والهيئات، وللمزارعين ولأصحاب المهن الحرة؛ تعهد جهة العمل بتحويل المرتب.

Programs

Loan programs
ProgramRateMax amountSegmentFinancingZero down
قرض شخصي للعاملين في قطاع الحكومة والشركات متعددة الجنسيات21%EGP 6,000,000Market100%No
قرض بدون تحويل راتب ولأصحاب المهن الحرة24%EGP 6,000,000Market100%No

Do the maths

Employees Loan

Work out the monthly installment, total interest, effective APR and schedule.

Enter values to see the result.

Results are estimates for guidance only and may differ from a bank's actual offer.

Our take 4.0

4.0 Banky rating

Pros

  • High maximum financing limit: Under certain programs designed for employees, the financing amount reaches up to 6 million pounds.
  • Extended repayment periods: Offers flexible installment options of up to 10 years (120 months) for employees.
  • Low minimum income requirement: The bank requires a minimum income starting at 3,000 EGP.
  • The loan includes mandatory life and death/partial disability insurance coverage for the entire financing period.

Cons

  • Administrative fees and commissions: Administrative fees are charged (usually ranging from 1% to 2% deducted from the total loan amount).
  • The bank may require a government guarantor or additional collateral for employees in unstable sectors or in private-sector entities not approved by the bank.

Our take

The personal loan from the Agricultural Bank of Egypt is considered an excellent solution for government employees and pensioners who wish to pay off large sums in installments over long periods.

Compare

Alternatives at a glance
Employees Loan Agricultural Bank of Egypt This oneBank Employees' Loan the united bank Personal Loan البنك التجاري الدولي-CIB Pensioners Loan Agricultural Bank of Egypt
Interest rate
24% 18% 23.5% 23%
Loan amount
EGP 10,000 – EGP 6,000,000 Up to EGP 6,000,000 EGP 10,000 – EGP 13,500,000 EGP 5,000 – EGP 500,000
Term up to
10 yrs 15 yrs 8 yrs 10 yrs
Type
Personal Loan Personal Loan Personal Loan Personal Loan
Compare with 3 similar loans

Added Thursday 02 July 2026 - 11:26 AM Updated Monday 10 August 2026 - 12:26 PM