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🗂️ Comprehensive guide to real estate financing in Saudi Arabia 2026

What is real estate financing?

Real estate financing is a financial product offered by banks and finance companies to help individuals purchase a home or property. The bank pays the full value of the property to the seller, then the customer pays the amount in monthly installments extending over years, adding an agreed-upon profit margin.

According to statistics from the Central Bank of Saudi Arabia (SAMA), the volume of residential real estate financing in the Kingdom exceeded 600 billion riyals by the end of 2025.

Types of real estate financing

  • Supported financing: It is provided by the Ministry of Housing in cooperation with banks, and the state bears a portion of the profits.
  • Murabaha financing: The bank buys the property and then sells it to the customer at a higher price.
  • Ijarah financing: The bank buys the property and rents it to the customer until the end of the term.
  • Trade Finance: For investors in commercial real estate.

Down payment

According to the Central Bank of Saudi Arabia: the first residence is a minimum of 10%, the second residence is 30%.

📝 example: A property worth one million riyals, a down payment of 10% = 100,000 riyals that you pay, and the bank finances 900,000 riyals.

Golden tips

  • Compare 3 banks before signing.
  • Ask for the APR, not the face rate.
  • The premium does not exceed 30% of your income.
  • Use the calculator to try different scenarios.

the reviewer: Central Bank of Saudi Arabia (SAMA.gov.sa) | Ministry of Housing (housing.gov.sa) | Real Estate Development Fund (redf.gov.sa)