Through our website/Application , users can digitally invest in real estate properties for very small amounts, no matter where they are. Nawy Shares selects the best off-plan units by top tier developers based on analysis of price/m² & historical performance. Each unit is divided into a number of shares (usually 20 to 40) and is offered on the platform with the same payment plan offered by the developer . Investors can pay their down payments online, seamlessly, using their bank cards, then sit back and relax as the monthly installments get deducted automatically. Investors then receive their documents (reservation forms & contracts) delivered to their doorsteps to be signed.
Egypt’s real estate market is one of the most resilient and promising investment opportunities in the region. Here are a few reasons why:
Uninterrupted Growth: Over the past 70 years, Egypt’s real estate market has not experienced significant price drops or depreciation. Even during periods of economic hardship, political unrest, and global financial crises, property values in Egypt have shown remarkable resilience, often continuing to rise in value.
A Hedge Against Inflation: Historically, real estate in Egypt has been a strong hedge against inflation & currency devaluation. Investors who have held onto property have seen their investments grow, even as other assets fluctuated in value.
Growing Population: With over 100 million people and rising, Egypt's increasing urban population is driving demand for residential, commercial, and industrial properties.
Government Support: The Egyptian government is heavily investing in real estate, launching major national projects such as the New Administrative Capital and coastal developments, creating numerous opportunities for investors.
Cultural Preference for Property Ownership: Egyptian culture strongly values real estate ownership as a stable and secure investment, leading to sustained demand, even in times of uncertainty. This cultural mindset further solidifies the market’s position as a safe haven for investors.
Off-plan real estate offers a unique advantage over traditional investments like certificates of deposit (CDs), dollar savings, or gold because it provides opportunities for higher growth while beating inflation. Here's why:
Outpaces Inflation: Unlike fixed-income products (e.g., CDs) that struggle to keep up with inflation, off-plan real estate appreciates faster as property values increase. As construction progresses, the value of the property rises, allowing you to benefit from significant capital gains.
Lower Initial Investment: Off-plan properties typically require a lower upfront payment compared to buying completed properties. You can lock in lower prices today, and as the project nears completion, the market value increases, giving you potential for greater returns.
Real Estate Flexibility: Just like with CDs, you can create a risk-return profile that suits you. Whether you're looking for conservative, stable returns or are willing to take on higher risk for potentially higher rewards, off-plan real estate allows you to shape your investment strategy to meet your goals.
This is just the beginning. We chose off-plan real estate as the initial model because it provides an attractive balance between growth potential and manageable risk. Off-plan investments are a great way to build early value, and we’re working to bring you even more investment options soon. You’ll be able to diversify within the real estate sector, allowing for different risk-return profiles that suit your financial goals.
While Certificates of Deposit (CDs) offer security, they typically come with limited growth potential and fixed interest that often lags behind inflation. Here’s how off-plan real estate stacks up:
CDs: Banks usually require large sums of money upfront and offer limited returns.
Off-Plan Real Estate: You can start with smaller investments while benefiting from future appreciation as the property is built, offering higher potential returns.
Our platform offers a one-of-a-kind real estate investment experience that’s designed to make investing easy, accessible, and profitable. Here’s why we stand out:
Access to Exclusive Investment Opportunities: We give you access to a carefully curated selection of off-plan real estate projects that are not widely available on the market, allowing you to invest in high-growth potential properties before they even hit the market.
Affordable Payment Plans: We believe in making real estate investment accessible to all. Our “Shares” concept makes it possible to offer flexible and affordable payment plans, allowing you to invest in premium properties without a large upfront capital requirement.
Seamless Digital Experience: Investing in real estate has never been easier. Our platform provides a fully digital experience—from browsing properties and managing your portfolio to making payments—all at your fingertips.
Hassle-Free Exit:When you’re ready to sell, our team of 600+ sales experts is here to help. We offer a smooth and efficient exit process, ensuring you can liquidate your investments easily and at the right time to maximize your returns.
We open a new unit(s) for investment every Tuesday at 2:00 pm Cairo time. Everyone can see the upcoming unit(s) as 'Coming soon' but they can only invest when they open.
Click here to view upcoming units.Currently, access to Nawy Shares website/Application is exclusive. New joiners are put on a waitlist. While users on the waitlist have access to see all old & upcoming investments, they will be able to start investing as soon as you are not anymore on the waitlist.
However, We usually give 'golden tickets' to waitlisted users to be able to skip the waitlist. Those are basically shares that we reserve in old or upcoming units for waitlisted users to help them on their 1st investment, and to give chances to skip the line. So, keep alert with your homepage banners.
We open a new unit(s) for investment every Tuesday at 2:00 pm Cairo time. Everyone can see the upcoming unit(s) as 'Coming soon' but they can only invest when they open. When they open, you get to follow the following steps:
The minimum you can invest is one share in any property of your choice. On average, the downpayments range from EGP 20k to 70k, and installments from 3k to 12k.
There is no overall limit on the total number of shares, but there is a cap on the number of shares an individual can hold per unit. This prevents any single investor from obtaining the majority of the unit’s shares and ensures that Nawy Shares remains the sole facilitator of the investment process.
You can track your investment performance from your portfolio! Real estate investment performance isn't updated as quickly as stock markets. Unlike the stock exchange, where prices fluctuate daily, real estate values typically update every 3 to 6 months. We help you stay informed by providing the latest developer Price Updates. The developer periodically adjusts the prices based on construction progress and market demand. These updates are reflected in your property’s current value.
You must be at least eighteen (18) years old to invest, as determined by Egyptian laws regarding a person’s capacity to enter into legal agreements.
You simply make money out of capital appreciation. We have 2 exit conditions that if 1 of them is fulfilled, we sell the unit.
Condition 1: When the unit is delivered (This is around 4 years). This is because buyers usually find this time a very good time to buy a property because they can move in immediately & still have some of the unit price remaining in installments. ok, so can we sell before that time? the answer is yes!
Condition 2: if we reach ROI of 80% on money invested to date before the delivery, we sell the unit as well.
In order to help you understand more, let's assume a unit worth EGP 10M. The DP for this unit (10%) is EGP 1M. Let's take a snapshot after 2 years. Assuming investors have already, collectively, paid EGP 3M out of the 10M. In order for us to get 80% ROI, we need to ask a new buyer for 5.4M as a DP (3M + 2.4M) and the new buyer continues 7M installments with the developer.
Now let's assume the developer, then, is selling the unit at EGP 18M. By that time, it would make sense for the buyer to buy our unit at 5.4M DP & 7M Installments, with an earlier delivery date, than to buy a new unit from developer at 1.6M DP & 14.4M installments, with a later delivery date If the sale happened, you get disbursed the ROI achieved after deducting the fees & taxes.
Nawy Shares selects units to invest in based on several criteria:
Project Location: We target locations that are experiencing a real estate boom/significant growth.
Developer: We work with top developers, with proven track record of investment, quality & delivery.
Unit type & location: : The unit MUST be of high demand, whether through area, number of bedrooms , amenities, or other factors, such as the location of the unit, in order to maximize future value.
Price/m² & payment plan: We strive to secure units with competitive pierce per sqm & exclusive payment plans that offer flexibility and value that, in return, help us sell at higher ROI.
All these factors and more help us choose units where there is the possibility to exit before delivery, making them suitable for short-term or medium-term investment opportunities.
Entry Fees (1% to 3% of the total share value): They are to be paid with the down payment(s). For example, if the total share value is EGP 500k, the entry fee is 1%, it would be EGP 5k.
Installment Fees (3% of the installment value): They are to be paid with every installment. For example, if the installment value is EGP 5k, the fee would be EGP 150.
Exit Fees (5% of total resale value): They are to be deducted from the final earnings after reselling the unit. For example, if the total resale value of a unit is EGP 20M, the fees would be EGP 1M to be deducted from the gross returns.
Within a maximum of one week after a unit exit.
No, because Nawy Shares is purely an investment platform. The latest attempt to exit is at the delivery date of the property.
No, you do not need to be an Egyptian to invest! We welcome all Nationalities to invest within our platform.
No, you do not need to be living in Egypt. However, please be aware that paperwork will take more time to deliver to your location!
Currently, trading of shares is prohibited by the Egyptian authorities, however if you are facing problems paying installments and you have to exit, you can provide a replacement for yourself. Nawy Shares will cancel your contract & sign a new one with the new investor who will continue paying installments instead of you.
If you can’t find a replacement, and you defaulted (failed to pay for 3 consecutive months) you will lose your down payment, and get refunded with the rest of installments in the same manner they have been paid with
Yes, you can split your share. However, only one person will be the legal representative in all transactions with Nawy Shares. We are currently working on split your share feature where all parties are officially represented.
We understand that getting a fair price for your investment is crucial. To ensure transparency and fairness, we have a comprehensive evaluation process in place. On the delivery date, a professional evaluator assesses the property. These evaluators are independent experts with extensive experience in real estate valuation.
In the very unlikely event that a unit cannot be sold by the delivery date the investors will still be liable for all monthly payments since this is an equity investment and they are legally the owners of the unit.
The current model doesn’t support property rent. You simply make money out of capital appreciation.
Our Model simply does not conflict with any Egyptian legal authority. The model involves selling a share in a property with a preliminary contract according to the Egyptian Civil Code of 1948.You can check drafts from the contract in the “Investment documents” section on each property
As with any other Real Estate selling transaction, there are applicable taxes. Each investor shall bear solely all types of taxes or fees related to the conduct of his activities, his profits, and his revenues. However, Nawy Shares will support with deducting the applicable tax and submit it to the Tax Authority on each investor’s behalf.
Short answer is YOU! Nawy Shares buys the unit from the developer via a primary sale contract and then sells shares to investors via similar contracts according to the Egyptian Civil Code of 1948 . These primary contracts stipulate that the actual transfer of ownership happens when all payments are made. However, these contracts are legally binding.
The contract guarantees your sale & ownership. It is a preliminary contract of owning a share in a property, under the Egyptian Civil Code of 1948.
There are a total of 2 documents to be received:
Reservation Form: filled out to reserve your share and will be sent within 7 business days from the date of the share purchase.
Final Contract: within 3- 4 months from the unit launch, worth noting; that this contract can be delayed if the developer delays the project.
Top Notch Legal Framework: We have built a fully-fledged legal framework with White & Case, a world-class law firm (9th highest grossing law firm in the world), to protect your & the rest of investors' rights and interests
Insurance for Every Share: We partnered up with an insurance company to protect your investment by covering the installments of any defaulting investors.
Secure Payments: All payments made through our platform are securely processed via Payfort, a trusted and highly secure payment gateway. Payfort ensures your transactions are encrypted and protected, giving you peace of mind that your financial information is safe throughout the process.
We have a grace period of 5 days for each payment. Starting the 6th day, a daily penalty of EGP 50 per share is applied for every day of delay. If a payment is late by one calendar month, it is considered a missed payment. Missed payments are still due. But be careful, 3 consecutive missed payments or 6 non-consecutive missed payments within 12 months will result in your contract being nullified and the share revoked. ِIn case that happens, a penalty equivalent to the down payment paid will be deducted from your balance. The remainder of your money will be paid back in monthly installments (in the same manner they have been paid by the investor). This is to ensure that no shareholder can negatively impact their peers by failing to pay on time.
As mentioned before, all our bought properties are off-plan. Meaning they have not been delivered yet. Hence, the developer offers Nawy Shares a primary contract (عقد ابتدائي) until the unit is delivered and its value is paid in full. Only then we get a final contract that can be legalized by the notary public. Nawy Shares mirrors this relationship with the investors as well. They get primary contracts to state their ownership of the unit & stipulate that the actual transfer of ownership happens when all payments are made. However, these contracts are legally binding.
We ask you to set a PIN code on the application to enhance security. This extra layer of protection ensures that your account and personal information remain safe.
To reset your PIN code, please contact our customer service team through the live chat feature on our website/Application. They will guide you through the process and help you reset your PIN securely.
We need to check your ID for 2 reasons:
To ensure that it is valid - otherwise, your investment would be nullified and the contract void.
To create the contract(s) for you.
Right now, we’re accepting payments with Egyptian & International credit and debit or prepaid cards only. We’re working hard to bring bank transfers into the mix, so stay tuned!
No
In case you miss a payment, a daily penalty of EGP 50 per share is applied for every day of delay. If a payment is late by one calendar month, it is considered a missed payment. Missed payments are still due. But be careful, 3 consecutive missed payments or 6 non-consecutive missed payments within 12 months and your contract will be nullified and the share revoked by Nawy. ِIn case that happens, a penalty equivalent to the down payment paid will be deducted from your balance. The remainder of your money will be paid back in monthly installments (in the same manner they have been paid by the investor). This is to ensure that no shareholder can negatively impact their peers by failing to pay on time.
If you're an investor, you'll need to replace your default card with another card before deleting the existing one.
If you're not an investor and don't have any payments due, you can delete your card directly from your account settings.
Withdrawing money from your Nawy Shares Wallet is simple. Just press the 'Withdraw' feature in your account section on the app or website, and follow the instructions to complete the process. If you need any assistance, our customer support team is always available to help.
A Golden Ticket is your VIP pass to early access on select properties before they go public! You’ll receive one as a first time investor on our platform, giving you a head start on the best investment opportunities.
As a first-time investor with Nawy Shares, you will receive an early access offer. This is our way of easing the process of investing and giving you a head start. Early access allows you to explore and invest in a product before its official launch, providing you with a unique opportunity to secure your investment early and take advantage of potential benefits
Since Nawy Shares deals with off-plan investing, this means you're investing in a property that is still under construction and not yet completed. Because of this, you won't be able to visit the property until it is finished and delivered. Off-plan investing allows you to purchase a property at a potentially lower price before it's built, to benefit from any future appreciation in value.
You can refer friends and family through the 'Refer' section in your account. Use the link or QR code.
We’re here to help! You can easily reach out to us through our live chat feature. Simply visit the help section on our website/Application, and you'll be connected with one of our customer service representatives
ROI, or Return on Investment, measures the profitability of your investment.
Gross ROI: This is the total return before deducting any expenses. It gives you a general idea of the potential return.
Net ROI: This is the return after all expenses have been deducted, such as taxes, fees, and maintenance costs. It provides a more accurate picture of your actual profit.
Understanding both helps you get a clearer view of your investment's performance.
We understand that losing a loved one is an incredibly difficult time. At Nawy Shares, we want to make things as easy as possible for you. If you find yourself in this situation, please reach out to us directly. Here’s what we’ll do:
Immediate Support: Our team will offer immediate assistance and guide you through the necessary steps.
Full Refund: We will return all the money invested without any deductions or returns, as if the investment was never made.
Your well-being and peace of mind are our top priorities during such a challenging time.