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Frequently Asked Questions

can vary depending on the type of mutual fund you invest in, your investment goals, and the market conditions. Here are some key risks associated with mutual funds:
  • Market Risk
  • Credit Risk
  • Interest Rate Risk
  • Liquidity Risk
  • Concentration Risk
  • Reinvestment Risk
It's important to understand the specific risks associated with the type of mutual fund you are considering and to align your investment choices with your risk tolerance, investment objectives, and time horizon.  

Returns represent the total net profits or losses (in some types of mutual funds) achieved against the invested amount during a specific period. To view the returns for the mutual funds offered by the bank

Mutual funds are investment vehicles that pool money from multiple investors to invest in a diversified portfolio of capital market instruments, including equities listed on the stock exchange, treasury bills, treasury bonds, or other securities. Each investor in a mutual fund owns shares of the fund, representing a portion of the overall holdings. These shares are referred to as Investment Certificates, symbolizing the investor’s ownership in the mutual funds. The primary objective of mutual funds is to provide investors with access to a diversified portfolio managed by professional fund managers, reducing risk compared to investing in individual securities. Investors benefit from the collective buying power, professional management, and diversification of the fund, which can be difficult to achieve on their own.

Mutual funds come in various types, each designed to meet different investment objectives and risk profiles. The main types of mutual funds include:
  • Equity Funds (Stock Market)
  • Fixed Income Funds (Medium/Long term Debt Funds)
  • Money Market Funds (Short term Debt Funds)
  • Balanced Funds (Hybrid Funds)
  • Precious Metals Funds (Gold/Silver Funds)
 

EFG Hermes Asset Management is the fund manager for Credit Agricole I, Credit Agricole II equity funds and Credit Agricole III money market fund. With over 25 years of experience in the Egyptian market, the fund manager makes investment decisions on behalf of the investors based on through research and close monitoring of market conditions. EFG Hermes Asset Management is responsible for the performance of the funds under its management, as they handle the investment part of the fund.
Housing Finance Program

When you dream.. dream big

Housing Finance Program

When you dream.. dream big

If you plan to buy a new house, choose the apartment, villa or challet that suits your lifestyle and Crédit Agricole will finance it for you through our Housing Finance Program.

 

Program Features:

  • Competitive interest rate
  • Loan Duration: Up to 15 years
  • Loan Ratio: Financing up to 80% of the unit value with maximum EGP 10 M
  • Age: Minimum age of 21 years old, and maximum age 60 years old for employed customers and 65 years old for self-employed customers at loan maturity
  • Monthly Instalment: Up to 40% of your net monthly income

Program Benefits:

  • Possibility to include additional income sources
  • Possibility of co-borrowing with 1st relative degree or 2nd relative degree income to increase the loan amount
  • Life and property insurance
  • legal experts provide advisory services related to ownership documents examining, registration, and ownership transfer procedures
  • Evaluating unit to assess its selling price
  • Fastest process

Unit Specifications:

Unit Type Residential or summer or seasonal house fully constructed units
Unit Registration Status Registered units, eligible for registration units and allocated units
Unit location Units in existing cities, new urban communities and compounds

Eligibility:

Eligibility
  • Salary transferred to Crédit Agricole Egypt
  • Salary transferred to another bank
  • Employed with cash payment (no salary transferred to a bank)
Business Owners Professionals (Doctor, Pharmacist, …etc)

 

For the required documents for Income and Unit click here

Ask about the approved projects for easier and faster process.

Terms & Conditions apply





    —Please choose an option—
    • —Please choose an option—
    • Married
    • Single


    —Please choose an option—
    • —Please choose an option—
    • From EGP 50,000 to EGP 100,000
    • Above EGP 100,000


    —Please choose an option—
    • —Please choose an option—
    • Yes
    • No

    An asterisk (*) means required information.