Egypt’s Mortgage Financing Sector Surges 64% in 2025, Regulators Report
The Financial Regulatory Authority (FRA) of Egypt has reported a remarkable growth in the country’s mortgage financing sector, with total loans provided by companies reaching EGP 36.374 billion between January and November 2025. This marks a 64.4% increase compared to EGP 22.119 billion during the same period in 2024.
The monthly report, obtained by FinTechGATE, also highlights that the number of mortgage contracts surged to 13,560 agreements, up from 9,430 contracts last year, representing a 43.8% increase. Meanwhile, refinancing activity grew by 32.6%, reaching EGP 4.546 billion compared to EGP 3.428 billion in the previous year.
November 2025 Sees Explosive Growth
In November alone, mortgage financing totaled EGP 3.877 billion, a 236% increase from EGP 1.154 billion in November 2024. Refinancing also climbed to EGP 1.323 billion, while the number of contracts jumped to 1,369, a 252.8% increase over 388 contracts in the same month last year.
Financing Distribution by Income Bracket
Customers with monthly incomes exceeding EGP 3,500 accounted for the bulk of mortgage financing, totaling EGP 36.359 billion across 13,547 contracts, compared to EGP 22.055 billion across 9,240 contracts in 2024. Meanwhile, contracts for the EGP 2,500–3,500 income bracket declined sharply to two contracts totaling EGP 408,000, down from 134 contracts worth EGP 33 million the previous year.
Lower-income clients earning EGP 2,500 or less received financing of EGP 14.7 million across 11 contracts, down from 56 contracts worth EGP 31.3 million in 2024.
Mortgage Financing by Customer Type
In terms of client type, wallet-based customers captured the largest share of total mortgage financing, with EGP 25.304 billion, while regular customers accounted for EGP 11 billion.
The FRA’s data underscores the rapid expansion of mortgage lending in Egypt, highlighting strong demand among higher-income clients and a growing preference for digital or wallet-based financing solutions.