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Choose the product that's right for you, and we'll support you with financing solutions that meet your needs

Financing for a Unit Under Construction (Off-Plan Sale)

The Financing Program for Units Under Construction (Off-Plan Sales) is a real estate financing product based on the principle of murabaha and offered by real estate financing institutions in cooperation with the Real Estate Development Fund and the Ministry of Housing. Through this program, customers can select a suitable property from one of the Ministry of Housing’s projects via an approved real estate developer, They can also take advantage of the benefits offered by the Real Estate Development Fund under the “Subsidized Financing” and “Concessional Mortgage Financing” programs.

Construction Finishing Product

This is a financing product designed to assist beneficiaries whose homes are under construction and have stalled at a certain stage, by evaluating and offering available financing options to complete the remaining construction phases, in accordance with the regulations and guidelines adopted by the relevant financing institutions.
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Mortgage

A product that allows customers who own real estate (villas and apartments) to obtain liquidity by mortgaging their property, while offering easy and convenient options for making payments.
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Buying Land

This product is based on the concept of murabaha. Under this arrangement, the financing entity purchases the land and then sells or leases it to the customer, who pays a portion of the sale price up front and pays the remaining balance to the financing entity in monthly installments over the term of the financing.
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Service Benefits

✓ Review available financing options based on the client’s situation
✓ Assist in selecting the right product and property
✓ Follow up on the application with the lender until the process is complete
✓ Clarify requirements and documents before submitting the application
✓ Initial real estate and financing consultations
Approval, terms, amounts, and repayment periods are subject to the lender’s policies and the client’s eligibility at the time of application.
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Self-Build Financing

It is one of the financing products offered by financial institutions in cooperation with the Real Estate Development Fund, through which a customer can obtain financing against residential land they own. The customer can also benefit from the advantages offered by the Real Estate Development Fund as part of a subsidized program, provided that the financing amount is disbursed to the customer in installments based on the percentage of construction completion.
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Prefabricated Units for the Ministry of Housing

It allows customers to purchase ready-to-move-in residential units within Ministry of Housing projects. Through this product, customers will select ready-to-move-in units in any of the Ministry of Housing projects offered and obtain financing from the bank to purchase the property under a murabaha arrangement.
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Mortgage Products

Learn about our mortgage products by watching the following video

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Housing and Liquidity

This option allows customers to access both personal and real estate financing products simultaneously, ensuring that the customer has the necessary liquidity available when applying to purchase a property. The financing institution purchases the property as requested by the customer through a mortgage product structured as a murabaha transaction and then sells it to the customer in monthly installments spread over two periods: the first period, during which the installment is lower due to the customer’s obligation to repay the personal loan, and the second period, during which the mortgage is repaid in full.

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Subsidized and Affordable Mortgage Financing

Real estate financing backed 100% by the Real Estate Development Fund, with a guarantee (on the profit margin) of up to 500,000 riyals of the financing amount

This is a housing finance program in collaboration with the Real Estate Development Fund to provide financing to Saudi citizens who are included on the Real Estate Development Fund’s housing support lists, who meet the Ministry of Housing’s financing criteria, and who wish to obtain government support through a real estate financing entity to purchase a suitable property, The Real Estate Development Fund covers the profit calculated on the financing amount up to 500,000 Saudi riyals.