الفهرس 
المدخل في التمويل العقارييوجد فقط 14 صفحة متاحة للعرض العام
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المستخلص
We discussed the ”mortgage finance and future visions” in terms of legal framework and tried as much as possible under the successive amendments to the law on the one hand and the crisis of the US mortgage on the other hand to clarify the importance of that law to activate the solution of the housing dilemma. We explained the state of the real estate market in Egypt and the future visions of the government in order to achieve that law.
The Egyptian legislator, in the real estate finance law, is encouraged to stipulate the establishment of a fund and guarantee the support of the mortgage finance activity to finance the limited and middle income. The achievements of the Egyptian government can be summarized as follows:
1. Adoption of the law of mortgage finance establishment of financial companies such as banks to work in the field of mortgage finance. In addition to the work of banks in this regard, but with the limits determined by the Central Bank. And the development of special rules for loan products that can be provided by banks and mortgage companies to borrowers.
2. The establishment of the Mortgage Finance Authority, whose functions and functions were merged into the Egyptian Financial Supervisory Authority (EFSA) in July 2009 - a major step in creating a safe and strong regulatory environment to protect the interests of lenders and consumers.
3. Establishment of a company to inject liquidity for real estate finance - the Egyptian Mortgage Refinance Company, which supports access to long-term financing to provide long-term lending. Etc..........
In fact, the activation of the real estate finance law will lead to the elimination of the problem of housing chronic and suffered by the Egyptian society for a long time and the fact that we do not deny the role of the legislator in the law of real estate financing in light of the Egyptian changes and developments and the most spectacular revolution January 2011 and June 2013 and see these attempts illustrate In the numerous and successive amendments to Law No. 148 of 2001 and its Executive Regulations, the latest of which is Presidential Decree No. (55) Of2014 amending the provisions of the Real Estate Financing Law and Presidential Decree No. (2) For the year 2015 amending some provisions of the Regulation. Whether it is from the government or the legislator, but there are many drawbacks that we see as a reason for the failure of real estate finance, the most important of which is the combination of the real estate finance law No. 148 of 2001 between low income groups, middle income and high income groups, which leads to confusion and confusion in many rulings. to shrinking mortgage market have reached interest to16% and must be on the Egyptian banking system and the General Authority for financial control speed to intervene to adjust the interest rate fall to attract the Egyptian citizen and encourage to conclude mortgage agreements, the state’s interest in the new cities and the introduction of the necessary facilities and services, and recommend ways to strengthen the attraction to these areas on an ongoing basis.