Hajj and Umrah loan


Hajj and Umrah Loans are granted to Egyptians through the following finance schemes:

  • Employees with a pledge from their employing company to transfer the monthly salary or installment.
  • Employees with proof of income certificate.
  • Self-employed professionals and business owners.
  • Pensioners (with or without a pledge to transfer pensions).
  • Loans guaranteed against savings deposits (Egyptians and foreigners).

General conditions for granting the loan:

  • Competitive interest rate
  • The debtor must be at least 21 years old
  • Loan capped at up to EGP 400,000 for Hajj (conditions applicable).
  • Loan capped at up to EGP 100,000 for Umrah (conditions applicable).
  • Financing worth up to 100% of the value of the trip
  • Loan period up to 120 months

Required documents:

  • Copy of a valid national ID card
  • Recent original utility bill (gas, electricity, water, telephone)
  • Validated offer list from the company/companies

For employees:

  • A certificate of income is required
  • Employer's pledge to transfer the monthly salary or installment

For self-employed, commercial and industrial business owners:

  • Copy of tax card
  • Copy of license/permit to practice the profession
  • Copy of commercial registry
  • Bank statement for previous six months

For pensioners:

  • Certificate of pension.
  • Beneficiaries of the pension statement (in the event of existing beneficiaries).
  • Pledge to transfer the monthly pension.

Additional benefits:

  • Free life insurance policy throughout the loan period.


*Terms and conditions apply