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<s>[INST] NBE: Can I get a car loan for a Chinese car? [/INST] Of course, the bank is financing the Chinese cars with certain conditions: The loan tenor will be four years only. The loan amount will not exceed 50% of its price. These brands are excluded from the Chinese car conditions (Cherry - Brilliance - Geely - MG). </s>

<s>[INST] NBE: What should I do if I want to change my car and purchase a new one? [/INST] You can take out a car loan by your certificate of deposit or your income or employment guarantee. </s>

<s>[INST] NBE: How much will I have to pay in advance to get an apartment [/INST] The down payment will be 15% if the flat's price is within 1.1 million egp and will be 20% if the flat is over this price and up to 2.5 million egp. </s>

<s>[INST] NBE: What paper should I get to apply to buy car? [/INST] The main documents. needed are; 1. Valid ID copy 2. Valid offer price from an authorized Exhibition that the bank is dealing with or the brand agent For more details, kindly visit NBE official website www.nbe.com.eg. </s>

<s>[INST] NBE: What are the documents required to apply for the purchase of a car? [/INST] The main documents. needed are; 1. Valid ID copy 2. Valid offer price from an authorized Exhibition that the bank is dealing with or the brand agent For more details, kindly visit NBE official website www.nbe.com.eg. </s>

<s>[INST] NBE: What steps are required to purchase a car with an auto loan? [/INST] You can take out a car loan by your certificate of deposit or your income or employment guarantee. </s>

<s>[INST] NBE: How many years can I get a mortgage? And are there certain age requirements?How long is the loan tenor and the age conditions? [/INST] You can take out a mortgage loan on 30 years max. If your segment is 3% for mid-income or 25 years, if your segment is 8% mid-income, and your age should not be less than 21 on applying the date and not over 65 years old on the maturity date or the pension age if you are an employee who is the closer one </s>

<s>[INST] NBE: I'm an employee with a fixed monthly income. I want to get an auto loan. What are the conditions? [/INST] Yes, you can apply for a car loan guaranteed by your salary provided you're employed for at least three months & you can take a loan amount up to 1.5 M; then you'll have two choices: either to take the loan guaranteed by your salary:: transfer on our bank with zero down payment or paying 10% down payment depending on the nature of the company you're working in or taking the loan by income proof & without transferring your salary with 20% down payment. </s>

<s>[INST] NBE: What is the interest rate and what expenses will I pay to get a loan? [/INST] The interest rates differ according to multiple segments. For more details, kindly visit NBE official website www.nbe.com.eg. </s>

<s>[INST] NBE: Can I apply for a mortgage loan if I am not working and I have a pension? [/INST] Of course, you can apply for a mortgage provided you have your pension, not a beneficiary pension, through the 3% mid-income segment and your age doesn't exceed 75 years old on the maturity date. Your retirement should be transferred to our bank, and you should also know that the down payment will be 40% minimum of the flat's price. </s>

<s>[INST] NBE: I have my own business. Can I apply for a car loan? [/INST] Yes, you can apply for a car loan guaranteed by the income of your business provided that your business activity is at least two years, and that's either by income proof and you will pay 30% and take a loan up to 3 million egp or without income proof, and you will pay 50% at least and take a loan up to 1.5 million egp. </s>

<s>[INST] NBE: I am an employee, and I have a fixed monthly income. I want to buy a car in need; what loan do you have work for me? [/INST] Yes, you can apply for a car loan guaranteed by your salary provided you're employed for at least three months & you can take a loan amount up to 1.5 M; then you'll have two choices: either to take the loan guaranteed by your salary:: transfer on our bank with zero down payment or paying 10% down payment depending on the nature of the company you're working in or taking the loan by income proof & without transferring your salary with 20% down payment. </s>

<s>[INST] NBE: I have a CD at the bank. Could I get a loan and buy a car? [/INST] You could get an auto loan with your certificate of deposit guarantee to buy a new or used car. </s>

<s>[INST] NBE: What paper/documents should I bring in order to apply to you and buy an apartment? [/INST] The primary documents needed are: 1.Valid ID Copy 2.Family registration certificate 3.New Utility bill For the rest of the documents, kindly visit NBE official website www.nbe.com.eg. </s>

<s>[INST] NBE: What is the down payment I have to pay to have a mortgage loan? [/INST] The down payment will be 15% if the flat's price is within 1.1 million egp and will be 20% if the flat is over this price and up to 2.5 million egp. </s>

<s>[INST] NBE: Are there any other guarantees I can buy an apartment besides the mortgage foreclosure? [/INST] There are two more guarantee segments you can take out the loan through: 1. Salary or installment transfer segment 2. Prohibition of disposal of the apartment by the owner For more details, kindly visit NBE official website www.nbe.com.eg. </s>

<s>[INST] NBE: Which segment I can apply for in mortgage? On which basis you determine my segment? [/INST] The segment is determined by your monthly income and the flat price that you will buy. For example, in The 3% segment, your income must not exceed EGP 13,000 if you are single and do not exceed EGP 18,000 if you are married for both couples, and the price of the flat should not exceed 1.4 million egp as for the 8% segment your income should not exceed EGP 40,000 if you are single and do not exceed EGP 50,000 for the family wife & husband and the limit of the flat should not exceed 2.5 million egp. </s>

<s>[INST] NBE: What should I do if I need to buy an apartment? [/INST] You can apply for a mortgage loan for mid-income, and these conditions must apply: - 1.The flat should be fully finished 2.Finished utilities 3.The interest will be 3% or 8% upon the monthly income and the flat price </s>

<s>[INST] NBE: What guarantees does the bank take to buy an apartment? [/INST] The bank is issuing a mortgage foreclosure or a temporary waiver of the apartment, and you will sign a check for the total loan amount and interest without a date until all the flat foreclosures and registration are completed. Also, you will have to sign crossed checks issued from the bank in the total installments of four quarterly checks for the 1st year and yearly checks for the rest of the loan and issue a general power of attorney from the seller & the buyer. </s>

<s>[INST] NBE: Can I buy an apartment using different guarentees? [/INST] There are two more guarantee segments you can take out the loan through: 1. Salary or installment transfer segment 2. Prohibition of disposal of the apartment by the owner For more details, kindly visit NBE official website www.nbe.com.eg. </s>

<s>[INST] NBE: I have my profession. Can I apply for a car loan? I own a company. [/INST] Yes, you can apply for a car loan guaranteed by the income of your business provided that your business activity is at least two years, and that's either by income proof and you will pay 30% and take a loan up to 3 million egp or without income proof, and you will pay 50% at least and take a loan up to 1.5 million egp. </s>

<s>[INST] NBE: Can I and my Wife Husband apply for a mortgage together to buy a flat? [/INST] Yes, you can have a joint mortgage loan, provided you have income for each. </s>

<s>[INST] NBE: I have certificates with you, so can I buy a car that is guaranteed by them? [/INST] You could get an auto loan with your certificate of deposit guarantee to buy a new or used car. </s>

<s>[INST] NBE: Is it possible for me to apply for this mortgage to buy an apartment, but I don't work and only receive a pension? [/INST] Of course, you can apply for a mortgage provided you have your pension, not a beneficiary pension, through the 3% mid-income segment and your age doesn't exceed 75 years old on the maturity date. Your retirement should be transferred to our bank, and you should also know that the down payment will be 40% minimum of the flat's price. </s>

<s>[INST] NBE: What are the guarantees the bank asks for to have a mortgage loan? [/INST] The bank is issuing a mortgage foreclosure or a temporary waiver of the apartment, and you will sign a check for the total loan amount and interest without a date until all the flat foreclosures and registration are completed. Also, you will have to sign crossed checks issued from the bank in the total installments of four quarterly checks for the 1st year and yearly checks for the rest of the loan and issue a general power of attorney from the seller & the buyer. </s>

<s>[INST] NBE: I want to purchase a Chinese car. Is the bank financing such vehicles? [/INST] Of course, the bank is financing the Chinese cars with certain conditions: The loan tenor will be four years only. The loan amount will not exceed 50% of its price. These brands are excluded from the Chinese car conditions (Cherry - Brilliance - Geely - MG). </s>

<s>[INST] NBE: On which basis you determine my segment ? [/INST] The segment is determined by your monthly income and the flat price that you will buy. For example, in The 3% segment, your income must not exceed EGP 13,000 if you are single and do not exceed EGP 18,000 if you are married for both couples, and the price of the flat should not exceed 1.4 million egp as for the 8% segment your income should not exceed EGP 40,000 if you are single and do not exceed EGP 50,000 for the family wife & husband and the limit of the flat should not exceed 2.5 million egp. </s>

<s>[INST] NBE: How long is the loan tenor and the age conditions? [/INST] You can take out a mortgage loan on 30 years max. If your segment is 3% for mid-income or 25 years, if your segment is 8% mid-income, and your age should not be less than 21 on applying the date and not over 65 years old on the maturity date or the pension age if you are an employee who is the closer one </s>

<s>[INST] NBE: I want to know the interest rate and expenses I will pay to buy a car from you. What is the interest rate and what expenses will I pay to get a loan? [/INST] The interest rates differ according to multiple segments. For more details, kindly visit NBE official website www.nbe.com.eg. </s>

<s>[INST] NBE: What should I do to replace my flat and buy a new one? [/INST] You can apply for a mortgage loan for mid-income, and these conditions must apply: - 1.The flat should be fully finished 2.Finished utilities 3.The interest will be 3% or 8% upon the monthly income and the flat price </s>

<s>[INST] NBE: Can my wife husband and I buy an apartment together [/INST] Yes, you can have a joint mortgage loan, provided you have income for each. </s>

<s>[INST] NBE: What are the documents needed to apply for the mortgage loan? [/INST] The primary documents needed are: 1.Valid ID Copy 2.Family registration certificate 3.New Utility bill For the rest of the documents, kindly visit NBE official website www.nbe.com.eg. </s>