Learn about our mission, vision, and role in developing Egypt's real estate finance market.
The Egyptian Mortgage Federation (EMF) was established in 2015 pursuant to Law No. 148 of 2001 under the supervision of the Financial Regulatory Authority (FRA) to serve as the official representative body for real estate finance companies and banks in Egypt.
Bringing together over 39 specialized financial institutions and banks, the Federation strives to harmonize regulatory and accounting frameworks, thereby advancing the real estate finance system and facilitating access to housing for Egyptian citizens.
The Federation's work is built on a set of complementary pillars that collectively support the development of the mortgage finance sector.
Coordinating with the FRA and relevant authorities to develop the regulatory environment and ensure a fair and stable marketplace.
Producing specialized reports and studies on mortgage finance market performance and supporting evidence-based decision-making.
Developing human capital in the sector through specialized training programs and knowledge transfer initiatives.
Organizing conferences, forums, and workshops that bring together all stakeholders to exchange experiences and explore opportunities.
Raising public awareness about mortgage finance products and mechanisms and how to benefit from them effectively.
Building partnerships with regional and international counterparts to exchange expertise and adopt global best practices.
Since its establishment, the Federation has achieved significant milestones in developing Egypt's real estate finance ecosystem.
The Egyptian Mortgage Federation was established under Mortgage Finance Law No. 148 of 2001 and its amendments, to serve as the official umbrella body supporting mortgage finance activity in Egypt.
Launch of the Federation's first website as the digital gateway for communication with member companies and the public.
Adoption of new strategic objectives and amendment of the Federation's statutes, aligned with the vision of developing Egypt's real estate market.
Organizing a major ceremony to honour the icons of mortgage finance, recognising their efforts in building and developing this vital sector.
Launch of the first large-scale digital media campaign to enhance public awareness of mortgage finance culture and its mechanisms across digital platforms.
A landmark milestone — the FRA Chairperson personally awarded the first certificate under the "Accredited Mortgage Finance Programme", raising the competency of sector professionals.
Adopting a remote training and e-learning system to ensure continuity of human capital development in the sector and keeping pace with digital transformation.
Hosting an expanded panel discussion with banks and companies in cooperation with the Egyptian Centre for Voluntary Arbitration, to strengthen non-banking financial dispute resolution mechanisms.
Launching a training programme for the Libyan Savings and Investment Bank, affirming the Federation's regional leadership. Signing a cooperation protocol with the New Urban Communities Authority to strengthen the developer-financier integration.
Formation of the Federation's board under the chairmanship of Mr. Mohamed Al-Kahky, beginning a new phase of development and growth. An expanded meeting with member companies was held to study sector obstacles and formulate practical solutions.
Holding a training programme on Sukuk structuring. Signing a cooperation protocol with the Institute of Financial Services to deliver advanced training programmes in line with the latest international standards.
Members of the Federation have the right to benefit from all services the Federation provides across its various fields of activity, and in particular:
Apply for MembershipAccess to board resolutions, general assembly decisions, committee minutes, financial reports, and sector statistics issued by the Federation.
Nominating representatives to serve in the Federation's various bodies and governance structures.
Benefiting from Federation activities — especially in training, skills development, and access to technical expertise.
Submitting proposals to the Federation's bodies on developing the sector and addressing obstacles and challenges.
