Fractional Real Estate FAQ
Clear answers about fractional real estate investment in Egypt: how fractional ownership works, returns, fees, selling, regulation and getting started.
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What is fractional real estate investment?
Fractional real estate investment lets several investors each own a share of a single property instead of buying it outright. Each investor puts in a smaller amount, owns a proportional share, and earns a matching share of any rental income and appreciation. It lowers the entry cost of property investment.
Read more →What is the difference between commercial and residential property investment?
Commercial property (offices, retail, mixed-use) is leased to businesses and often generates higher and more stable rental yields with longer leases. Residential property is leased to individuals and can appreciate strongly but usually has shorter leases. Commercial investing typically targets steady rental income, while residential often emphasizes capital appreciation.
Read more →What is the difference between rental yield and capital appreciation?
Rental yield is the recurring income a property earns from rent, expressed as a percentage of its value each year. Capital appreciation is the increase in the property’s market value over time. Total return combines both — the ongoing rent you collect plus any gain when the property is sold.
Read more →What are the risks of fractional real estate investment?
Like any investment, fractional real estate carries risk. Property values and rental income can fall, an investment may be less liquid than stocks, and returns are not guaranteed. Review each opportunity’s location, occupancy, lease terms, and the platform’s track record, and only invest money you can commit for the medium to long term.
Read more →How does fractional real estate compare with gold, bank certificates and stocks?
Each does a different job. Gold protects value but pays no income; bank certificates pay fixed interest in pounds; stocks can grow but move with the market every day. Fractional commercial real estate combines a real asset that has historically kept pace with inflation with rent paid every quarter, from the price of one share. The trade-offs: it is less liquid (you can sell after the first year) and returns are not guaranteed.
Read more →Why buy a share of a property instead of a whole one?
A whole commercial unit can cost millions. A share lets you start from the price of one share, spread your money across more than one unit, and leave the tenant, rent collection and maintenance to Amtaar. In exchange you own a percentage of the unit rather than all of it, and you can sell after the first year.
Read more →How are the rent and the value of a property split between owners?
In proportion to the shares each owner holds. If a unit has 1,000 shares and you hold 10, you own 1% of it: you receive 1% of the unit’s rent each quarter (after the 5% management fee), and your shares represent 1% of the unit’s value, so any growth in value is reflected when you sell them.
Read more →Can I spread my money across several properties?
Yes. Because you can start from one share, you can hold shares in more than one unit (different buildings, areas or tenants), so one vacancy or one local market affects only part of your money. You can buy into units that are open at the time; a new unit opens when the current one is fully funded.
Read more →Is real estate a good hedge against inflation?
In Egypt, property has long been one of the most trusted ways to protect savings from inflation: it is a real, limited asset whose value and rents have tended to rise with prices over time. Fractional ownership makes that available from the price of one share, with rent paid every quarter on top. It is not guaranteed; values and rents can also fall.
Read more →Getting Started
How do I invest with Amtaar?
Through the Amtaar app: download it, choose a property, select the number of shares you want, transfer the amount by bank transfer, and upload a photo of the transfer receipt. Once the transfer is confirmed, your shares appear in your account, and your ownership contract follows within about a month.
Read more →How much do I need to start investing?
The minimum varies by offering and is shown on each property inside the Amtaar app.
Read more →When is my investment confirmed after I transfer?
Transfers are usually confirmed the same business day or the next. During public holidays, confirmation may wait until banks reopen. Your investment shows as “under review” until it is confirmed and your shares appear in the app.
Read more →How long do units stay available?
A unit remains open until all offered shares are taken; once fully funded it closes and a new unit opens. Typically one or two units are offered at a time.
Read more →Is there a referral reward?
Yes — register through a referral link and, after completing verification and adding your bank details, you receive EGP 500 credit in your wallet, usable toward an investment.
Read more →Can I invest if I am not Egyptian?
Yes, as long as you have a bank account in Egypt: withdrawals of your rent and of any sale proceeds go to a bank account in Egypt, so one is required. You also need an Egyptian mobile number to sign up and must complete the identity verification in the app. WhatsApp us to confirm the documents that apply to you.
Read more →My ID has expired. Can I complete the verification (KYC)?
No. Identity verification needs a valid ID, so an expired one is not accepted. Renew your ID first, then complete the verification in the app with the new card. Your account stays as it is in the meantime.
Read more →Returns & Payouts
When and how do I receive rental returns?
Rental returns are distributed quarterly on fixed dates: 1 January, 1 April, 1 July, and 1 October. The rental yield is 10% per year and increases by 10% annually, with 5% of the return deducted as a management fee — a net yield of 9.5%.
Read more →What happens if a tenant leaves before the lease ends?
Amtaar starts looking for a new tenant straight away, aiming to keep the vacant period as short as possible. While the unit is vacant there is no rent to distribute, so rental payouts pause until a new tenant rents the unit, then resume on the regular quarterly dates. Your ownership of your shares is not affected.
Read more →Fees & Commissions
What fees and commissions apply?
Buying shares in a new unit from Amtaar (the primary market): a one-time 2.5% commission, and while you own the shares, 5% of the rental return is deducted as a management fee. Selling your shares (the secondary market): if Amtaar finds the buyer, 0.5% is paid by the seller and 0.5% by the buyer — free if you find the buyer yourself. Cancelling an order after you have uploaded your payment receipt: a fee of 10% of the share price.
Read more →Ownership & Selling
How do I sell my shares?
You can sell after the first year in two ways: if you have a buyer, Amtaar transfers the ownership for you; otherwise Amtaar sells your shares on the secondary market at a price based on the property’s latest independent valuation.
Read more →What documents prove my ownership?
A common-ownership share-sale contract for the specific unit is signed between you and Amtaar, stating your percentage of the property. The paper contract is delivered by courier within about a month of purchase (inside Egypt; a signed and stamped PDF can be sent if you are abroad), and a digital contract is coming soon. Ownership is registered through the Amtaar company that owns the property.
Read more →How is a property valued, and how often?
Each Amtaar property is valued by an independent third-party valuer certified by Egypt’s Financial Regulatory Authority (FRA). The valuation sets the property’s updated price, and with it the price of each share. The first revaluation takes place after the first year of investment; from then on, the property is revalued every six months.
Read more →How are shares priced on the secondary market?
On the latest valuation report of the independent, FRA-certified valuer. When shares are sold after the first year, their price is based on the property’s most recent valuation. If Amtaar finds the buyer, a commission of 0.5% from the seller and 0.5% from the buyer applies; selling to a buyer you found yourself is free.
Read more →Regulation & Sharia
Is Amtaar licensed?
Yes — Amtaar Capital for Financial Investments is licensed by Egypt’s Financial Regulatory Authority (FRA) to promote and underwrite securities subscriptions.
Read more →Is the investment Sharia-compliant?
Yes. You invest in real, income-generating properties — owning a share of a physical asset and earning a share of its actual rent, which is consistent with Sharia principles.
Read more →What happens to my investment if Amtaar closes?
Amtaar operates under the regulation of Egypt’s Financial Regulatory Authority (FRA), and under that regulation investors’ rights and assets are protected. Your investment is a share in a real, income-producing property, with your percentage documented in your signed ownership contract; it is not a deposit held by Amtaar.
Read more →What is the relationship between Amtaar and Beltone?
Amtaar has partnered with Beltone Asset Management on a multi-issuance real estate investment fund targeting EGP 2 billion in issuances. Beltone will be the fund manager.
Read more →What is the FRA legal framework for fractional real estate?
Under the framework of Egypt’s Financial Regulatory Authority (FRA), fractional real estate will operate in the form of a real estate investment fund: a closed-ended, multi-issuance fund in which each issuance is for one property. You still choose the specific property you invest in.
Read more →App & Support
The app isn’t working — what should I do?
Find the message the app shows you: almost every one has a specific fix. The most common: type your number as 11 English digits starting with 010, 011, 012 or 015 (no +20); wait a full minute between code requests and use only the latest code; after 10 wrong tries or 5 codes in an hour you are paused for a while. If the app says your account is suspended, or you see an empty account after signing up again, do not open another account: WhatsApp us on +20 120 179 2202 with your registered number and a screenshot.
Read more →Why won’t the app accept my mobile number?
The app accepts Egyptian mobile numbers typed as 11 English digits that start with 010, 011, 012 or 015, for example 01012345678. Remove +20 or 20 at the start and any spaces or dashes, and switch your keyboard to English digits if it types ٠١٠. You need an Egyptian number to sign up; if you live abroad without one, contact us on WhatsApp.
Read more →I didn’t receive the SMS code — what should I do?
Check the number shown on the screen, then wait a full minute before tapping resend. If two resends do not arrive, request once more: the third resend goes out through a backup SMS route. You can request up to 5 codes an hour, and only the latest code works. If you are abroad or still receive nothing, WhatsApp us: the team can confirm your identity and give you a one-time login code.
Read more →I can’t log in — wrong PIN, locked or suspended account?
“Incorrect phone or PIN”: check that your number starts with 01 and type your 6-digit PIN again, or tap Forgot PIN?. After 10 wrong tries the number is locked for 15 minutes (“Too many requests”), so wait before trying again. “Your account has been suspended” usually means your national ID is already verified on another Amtaar account, for example after signing up again with a new number: WhatsApp us with both numbers and we will sort it out.
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