The Egyptian Ministry of Housing has outlined specific criteria for individuals applying to reserve housing units in the “Housing for All Egyptians” project across various new cities and governorates. The eligibility conditions are as follows:
- Single Unit Per Family Rule
Applicants and their immediate families (spouse and minor children) are not permitted to apply for more than one housing unit in the same announcement across cities and governorates. - Exclusion of Prior Beneficiaries
Applicants or their families must not have previously benefited from any housing finance initiatives launched by the Central Bank of Egypt in February 2014, December 2019, or July 2021, or any other government-approved housing support programs. - No Previous Housing Allocations
Applicants or their families must not have been previously allocated a housing unit or plot of land in any city or governorate, whether retained, sold, or transferred to them by others. - No Prior Subsidized Housing Support
Applicants or their families must not have received cooperative housing loans or support from national housing projects or public entities offering housing aid. - No Ownership of Residential Property
Applicants or their families must not own or have inherited a residential property. - Local Residency or Employment
Applicants or their spouses must reside or work in the same governorate where the housing unit is located, as evidenced by a national ID card or proof of income. - Use for Personal Housing Only
Beneficiaries must use the housing unit exclusively as a permanent residence for themselves and their families for at least seven years. - Restrictions on Sale or Transfer
Units cannot be sold, rented, or transferred within seven years of receipt without prior approval from the Social Housing and Mortgage Finance Fund. Violations are subject to penalties, including imprisonment, fines, and forfeiture of the unit. - Unit Purpose and Compliance
Housing units are designated for permanent residence. Unauthorized changes in usage will result in the revocation of the allocation and the retrieval of the unit. - Age Limitations
- Applicants must be at least 21 years old at the time of the application deadline.
- For low-income applicants, the maximum age is 50 years.
- For middle-income applicants, the age limit aligns with retirement age as per Social Insurance Law No. 148 of 2019, with loan terms determined by the financing entity.
- Mortgage Financing Only
Applicants must purchase housing units through mortgage financing, with repayment terms of up to 20 years, subject to credit approval. - Income Limitations
Applicants must fall under the defined income brackets for low or middle-income categories, with specific monthly and annual net income thresholds.
The outlined regulations aim to ensure fair access to affordable housing while promoting responsible ownership and use of the allocated units.
