Pensioners Loan
يُعتبر القرض الشخصي لأصحاب المعاشات من البنك الزراعي المصري حلاً ممتازاً لأصحاب المعاشات الراغبين في تقسيط مبالغ كبيرة على فترات زمنية طويلة
- Interest rate
- 23%
- Loan amount
- EGP 5,000 – EGP 500,000
- Term up to
- 10 yrs
- Type
- Personal Loan
Rates, terms & fees
- Loan type
- Personal Loan
- Interest type
- Reducing Balance
- Interest rate
- 23%
- Min amount
- EGP 5,000
- Max amount
- EGP 500,000
- 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 900
- Min age
- 21
- Max age
- 60
- Accepted employment types
- Pensioner
- Accepted professions
- Pensioner
- Approved employer
- No
- Requires collateral
- No
- Security types
- Salary Transfer
- Life insurance
- Yes
- Required documents
- National ID CopyRecent Utility BillPension CertificateSalary Slip (Last 3 Months)
Eligibility criteria
| Nationality | egyptian |
| Requires iScore | No |
| Notes | لأصحاب المعاشات؛ الحد الأدنى للمعاش 900 جنيه؛ تعهد بتحويل المعاش؛ وثيقة تأمين على الحياة. |
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Our take
Pros
- A low minimum pension requirement—starting at 900 pounds—to obtain the loan.
- Flexible repayment period of up to 10 years.
- Funding is provided for pensioners, whether they retired early or upon reaching the statutory retirement age.
Cons
- Pension Transfer Requirement for Better Terms: Preferential terms and the lowest interest rates are available to customers who commit to transferring their salary or pension, whereas interest rates are higher under the non-transfer program.
- Imposition of administrative fees (typically ranging from 1% to 2% deducted from the total loan amount), in addition to insurance and credit inquiry fees.
Compare
| Pensioners Loan Agricultural Bank of Egypt This one | Personal Loan for Employees (Salary Transfer) the united bank | Employees Personal Loan (with salary transfer) banque du caire | Personal Loan البنك التجاري الدولي-CIB |
|---|---|---|---|
| Interest rate | |||
| 23% | 20% – 23% | 22% – 22.5% | 23.5% |
| Loan amount | |||
| EGP 5,000 – EGP 500,000 | Up to EGP 5,000,000 | EGP 3,000 – EGP 2,000,000 | EGP 10,000 – EGP 13,500,000 |
| Term up to | |||
| 10 yrs | 15 yrs | 15 yrs | 8 yrs |
| Type | |||
| Personal Loan | Personal Loan | Personal Loan | Personal Loan |
Added Thursday 02 July 2026 - 11:26 AM Updated Monday 10 August 2026 - 12:32 PM