Your installment unit has a way out
One side needs out of an instalment commitment and wants cash. The other wants a unit that is already part-paid, at its original contract price. We bring them together and close the transfer at the developer's own office.
See every detail before you talk to anyone — no calls, no chasing.
Know your number before you talk to anyone
Change the figures from your own contract and see immediately what the seller receives, what the fee is, and what the buyer pays in cash on transfer day.
The fee is 1% of the cash and the buyer carries it — no minimum, no hidden charges. The seller pays nothing at any stage.
Contract card
TRANSFERABLEThe buyer then continues the remaining instalments to the developer on the original contract terms. These figures are indicative and exclude the developer's own transfer fees.
The fee sits entirely with the buyer. The seller receives the full agreed cash amount.
No deal closes anywhere else. Signature and settlement happen at the developing company's office.
We ask for the contract, the payment receipts and a statement of the balance before a unit is listed.
Before you think about cancelling, look at the difference
Most instalment contracts deduct a share of the full unit price on cancellation, and return the balance over an extended schedule. A transfer pays you in cash in a single session.
If you hand the unit back
- Unit price6,000,000
- You had paid2,400,000
- Cancellation deduction (15% of unit price)− 900,000
- When you receive itIn instalments
If you transfer the contract
- Cash you set2,400,000
- Cancellation deductionNone
- Your fee as sellerZero
- When you receive itOne session
Illustrative example. The deduction rate and refund schedule differ from one contract to another and with how many instalments have been settled — which is exactly what the free contract review covers.
How a transfer works
Four steps, from registering the unit to the contract carrying the buyer's name.
Register the unit
The seller sends the contract details: project, size, amount paid, and the payment receipts. We review them and agree a fair cash price.
Listing and viewing
The unit is published with its real figures, and we arrange viewings for serious buyers only.
Agreement and deposit
Once both sides agree, a written agreement is signed and a deposit is held until the developer approves the transfer.
Formal transfer
Both parties at the developer's office: cash settled, transfer completed, contract moved to the buyer's name. The fee is collected here.
Both sides' rights, written down first
A transfer is a large transaction, and each side deserves to know how they are protected before anything starts. These rules apply to every deal, without exception.
If you are the seller
- A held deposit — the buyer pays a deposit before transfer procedures begin, so nobody wastes your time.
- We vet the buyer — their cash position and ability to carry the remaining instalments are checked before any viewing.
- Settled in one session — the cash is paid in full at the developer's office at the moment of signing, not after.
- No cost to you — no listing fee, no viewing fee, no commission at any stage.
- A quiet exit if you want one — you can list your unit's figures without your name or any identifying detail going public.
- One person on your deal — a single point of contact from day one to signature, not a new face each time.
If you are the buyer
- You see the paperwork first — the original contract, the receipts and the developer's balance statement, before any money moves.
- Developer approval first — we confirm the transfer is permitted and what it costs before you pay, not after.
- A legal feasibility review — before any unit is listed we read its contract terms and the developer's transfer policy, and tell you what is confirmed and what is estimated.
- Payment at the developer — nothing is transferred to anyone before signature and the contract moving to your name.
Before any payment, both sides sign a document setting out the cash amount, who carries the developer's transfer fee, a deadline for completing the procedures, and what happens to the deposit in each scenario. Nothing is left verbal.
We send the agreement to both sides well before the signing session, and we recommend each party review it with their own lawyer. We never rush a signature.
Why this is not brokerage
The market is full of listings and numbers with no paperwork behind them. These are the differences you will notice from the first call.
| Traditional brokerage | Smart Unit | |
|---|---|---|
| Figures | The seller's word with no evidence; you find out the truth after paying | Contract, receipts and balance statement reviewed before a unit is listed |
| Fee | Commission from both sides, at rates that shift per deal | 1% of the cash, buyer only, no minimum. Seller pays zero |
| Procedures | You get introduced, then you are on your own | We stay with you through to the transfer session at the developer |
| Deposit | Paid to whoever, with no written rules | Held under a written agreement that sets out what happens to it in each case |
| Privacy | Public listings and calls from every direction | You can list without any public identifying information |
| Follow-up | Nobody is accountable when something stalls | One person owns the deal from first contact to signature |
Selected opportunities
Every unit shows what you actually save against the developer's price today, worked out from the paperwork. Browse as long as you like — no sign-up, no calls.
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Written down from the start
1% of the cash the seller receives — one rate on every deal, no minimum and no exceptions. The seller pays no commission. The buyer pays it on transfer day at the developer's office — not before.
| Cash paid to the seller | Fee (1%) | Paid by |
|---|---|---|
| 400,000 EGP | 4,000 EGP | Buyer |
| 800,000 EGP | 8,000 EGP | Buyer |
| 2,400,000 EGP | 24,000 EGP | Buyer |
| 6,000,000 EGP | 60,000 EGP | Buyer |
The developer's own transfer fee is entirely separate from the platform fee and is set by each company's policy.
Start here
Pick which side you are on, fill in your details, and send them. We review them and come back to you as soon as possible.
Send the documents (contract and payment receipts) in the same WhatsApp thread once your details are through.
We come back with units that match what you can actually carry, and nothing outside your range.
What people ask most
Is transferring a contract legal?
Yes. Most developers permit a contract to be assigned to another party under defined conditions, usually against a transfer fee they set. We confirm the developer's policy before a unit is listed at all.
What happens if the developer refuses?
The deal is cancelled with no fee to either side, and what happens to the deposit follows the signed agreement. That is why we check the developer's terms before the agreement, not after.
Who pays the developer's transfer fee?
That is agreed between the two parties before signing and written into the agreement. Commonly the buyer carries it, but there is no fixed rule.
When exactly is the platform fee collected?
On the day the transfer completes at the developer's office, after the contract moves to the buyer's name. There are no upfront charges for listing or browsing.
Why transfer rather than hand the unit back?
Cancelling with a developer usually deducts a significant share of what you paid and returns the balance over an extended schedule. A transfer pays you cash sooner and at a value closer to the market.
Terms and privacy
Terms of use
1. Our role. Smart Unit is an intermediary connecting a party wishing to transfer their contract with a party wishing to take it over, and facilitating the procedure. We are not a party to the agreement between seller and buyer, nor to the original contract with the developer.
2. Developer approval. Completion of any transfer depends on the developing company's approval, policy and fees. We pursue that approval but do not guarantee it will be granted.
3. The fee. 1% of the cash paid to the seller, with no minimum, borne solely by the buyer and due on the day the transfer completes. No fee is due if no transfer completes.
4. Accuracy of information. The seller alone is responsible for the accuracy of the contracts, the unit details, the payment methods and terms, and every other detail they provide. Our review of the documents does not transfer that responsibility to us, and legal responsibility for any error, misrepresentation or concealment rests with the seller.
5. The deposit. Its amount and treatment are set out in a written agreement between the parties, and what happens to it in every scenario — including the developer refusing the transfer — is governed by that signed agreement.
6. Indicative figures. Calculator results and estimates shown here are indicative and vary with the terms of each contract. They are not legal or financial advice and are not a promise of any outcome.
Privacy policy
What we collect. Your name, mobile number, unit details and its documents — whatever you enter into the forms on this site or send us on WhatsApp.
How we use it. To verify the unit, match it with a suitable counterparty, and complete the transfer procedure. We do not sell or rent your data to anyone.
Sharing. We share unit details with serious buyers after your consent, and share documents with the developer for the formal procedure. Contact details are never published on the site.
Quiet listing. If you choose to list without public details, only the unit's figures appear — no name, no precise location, no identifying detail.
Your rights. You can ask us to withdraw your unit or delete your data at any time through the same channel.
Local storage. Saved units, comparisons, alerts and recently viewed units are stored in your own browser only. If you ask about a unit, your name and number are kept on your device so we do not ask again, and reach us only with your request.
Disclaimer: all figures, estimates and comparisons on this site are indicative, depend on the terms of each individual contract, and do not constitute legal or financial advice or a promise of any particular outcome. The final review is carried out on your actual contract, and we recommend each party review the agreement with their own lawyer before signing.
Send us your unit details today
We review the contract and come back with a cash valuation as soon as possible, with no obligation.
Opportunities
Filter on what matters to you, and sort by the highest saving or the lowest cash. Every figure is open without signing up, and we only call when you ask us to.
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Who we are
Smart Unit is an Egyptian platform specialising in the transfer of installment property contracts — not a property listings site.
The problem we solve
Some contract holders in Egypt have paid a substantial share of their unit's price and then had their circumstances change. They face two poor options: keep paying instalments beyond their means, or cancel and absorb a heavy deduction plus a long wait to recover the balance.
At the same time there are buyers who can comfortably carry a monthly instalment, but for whom the developer's current price is out of reach.
How we work
We connect the two sides, review the paperwork before anything is listed, and stay with the transfer procedure through to signature at the developer's office. No unit is listed before we have seen its contract and payment receipts.
The seller pays no commission. The buyer pays 1% of the cash, with no minimum, on transfer day only.
Every figure on the platform traces back to a document. We distinguish clearly between what is confirmed and what is estimated.
If we review your contract and conclude that continuing is better for you, we will say so — even when that means we earn nothing.
Talk to us
Any question about the transfer process or about a particular unit — we are here.
Know where you stand in a minute
Enter your contract figures and see the difference between cancelling with the developer and transferring the contract — including the fee and the cash.
Your contract
LIVEThe deduction rate is written into your contract and differs by developer. If you are unsure, leave it at 15% as a rough starting point.
If you hand the unit back
- Cancellation deduction—
- Share of what you paid, lost—
If you transfer the contract
- Your fee as sellerZero
- Buyer's fee (1%)—
- Difference in your favour—
Indicative only. The final review is carried out on your actual contract, and the figures change with its terms and how many instalments are settled.
Work out the tax on your sale
A 2.5% tax on the total disposal value stated in the contract, with no deduction for costs or expenses — under law 151 of 2026, in force since 29 July 2026.
Disposal details
2.5%Transfers to a spouse, ascendants or descendants fall outside the scope of the tax following the amendment to article 43.
- Liable partyThe seller
- Payment window60 days from the disposal
- Estimated late penalty—
- Total—
An estimate based on the rates stated above — not tax or legal advice. Check with an accountant before paying.
No agreement putting the tax on the buyer can be raised against the tax authority. If you agree the buyer pays it, that agreement binds you two only — the authority still pursues the seller.
The obligation starts at the date of the disposal itself, not at the date of registration.
Indicative only and not tax advice. The late penalty is capped at 2% per month and tied to the central bank rate, so the figure here is an estimate. Check your position with an accountant or the tax authority.
Compare units
The same lines side by side — cash, balance, instalment and saving.
Transfers happen anyway — better that they are orderly
Every project has clients whose circumstances change. Whether or not they work with us, they will look for a way out. The difference is that an orderly transfer protects your cash flow and reduces cancellations.
What you gain
- Instalments keep flowing — the incoming client continues the same payment schedule without a break.
- Fewer cancellations — every completed transfer is a cancellation that did not happen and a unit that did not return to inventory.
- Vetted clients — we check the buyer's capacity before they reach you.
- Your transfer fee is collected exactly as your policy sets it. We are not a party to it.
How we work with you
- Your policy governs — we request your transfer terms and fees and follow them to the letter.
- No unit is listed before we confirm transfers are permitted in your project.
- The file arrives complete — both parties' documents reviewed before they reach you.
- Periodic reporting on transfer activity across your projects, if you want it.
A unit at an older contract price
A transfer is not only a way out for the current holder — it is also an entry point below the developer's price today, provided you can carry the remaining instalments.
Where the gap comes from
- The contract price is frozen at the original signing date, while the developer's current prices have moved.
- The seller needs cash, not the highest price — and that is what creates the opportunity.
- Instalments continue on the original terms, not the developer's current ones.
What to watch
- Cash up front — you need liquid funds on transfer day, not in stages.
- Developer approval is a precondition; without it the deal is cancelled and the deposit is handled as the written agreement sets out.
- Transfer fees sit on top of the cash and vary by company.
- The saving is indicative — based on the developer's published price, not a guaranteed resale value.
Smart Unit is an intermediary and process facilitator. The above explains how this market works and is not investment advice or a guarantee of return.
Cookies and local storage
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| Key | Purpose | Duration |
|---|---|---|
| exd:favs | The units you saved | Until you clear it |
| exd:cmp | Units selected for comparison | Until you clear it |
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Disclaimer
The figures
All figures, estimates and comparisons shown — including calculator results and the "saving" value — are indicative. They depend on the terms of each individual contract and on the developer's published price at the time of listing, and are not a promise of an outcome or a guarantee of return.
Listed information
Unit data reaches us from the owners. We review the documents before publishing, but the accuracy of the contracts, unit details, payment methods and every other detail is the seller's responsibility alone.
Our role
Smart Unit is an intermediary and process facilitator. We are not a party to the agreement between seller and buyer, nor to the original contract with the developer, and we do not guarantee the developer will approve a transfer.
Not advice
Nothing here is legal, financial or tax advice, or an investment recommendation. We recommend each party review their contract and the written agreement with their own lawyer before signing.
Using this site means you accept our terms of use.