The total new residential real estate financing provided to individuals by financing companies in the Kingdom amounted to about 219 million riyals during December 2025, recording a monthly decline of 27% compared to November of the same year, according to data Saudi Central Bank. The monthly statistical bulletin showed that new residential financing was distributed across three main sectors: villas, apartments and land, with a notable decrease in some activities versus relative stability in others.

The monthly statistical bulletin showed that new residential financing was distributed across three main sectors: villas, apartments and land, with a notable decrease in some activities versus relative stability in others.

Villa Financing Leads

<The villa sector recorded financing of SAR 74 million in December, compared to SAR 146 million in November, while financing for apartments amounted to SAR 114 million compared to SAR 124 million in the previous month. On the other hand, land financing rose slightly to SAR 31 million compared to SAR 30 million in November. On an annual basis, the total new residential real estate financing for individuals provided by financing companies decreased by 7%, compared to 235 million riyals in December 2024.

The data showed that the total new residential real estate financing for individuals provided by financing companies decreased by 7%, compared to 235 million riyals in December 2024. <The data showed that the financing of villas decreased year-on-year from SAR 110 million to SAR 74 million, while the financing of apartments increased from SAR 112 million to SAR 114 million. The land sector also witnessed significant growth, with financing rising from SAR 13 million in December 2024 to SAR 31 million in December 2025.

This disparity in financing levels reflects the different demand trends in the real estate market, as well as the impact of economic conditions and financing variables on the purchasing decisions of individuals.

This disparity in financing levels reflects the different demand trends in the real estate market.