mortgage loans in Saudi Arabia continued their upward trend, reaching new record highs by the end of 2025, driven by increased lending to both individuals and businesses—a sign that momentum in the mortgage market remains strong despite economic challenges. According to the monthly bulletin issued by the Saudi Central Bank, the total value of mortgage loans provided by commercial banks rose by 1.4% during the fourth quarter of 2025 compared to the third quarter of the same year.
The value of loans reached approximately 951.302 billion riyals in the fourth quarter, compared to 937.998 billion riyals in the third quarter, reflecting an increase of more than 13 billion riyals in just three months.
Individuals Account for the Largest Share
The data showed that mortgage loans are distributed between the retail and corporate sectors, with individuals continuing to account for the largest share of total financing. Loans to individuals totaled 729.955 billion riyals in the fourth quarter of 2025, compared to 726.149 billion riyals in the third quarter, a slight increase reflecting stable residential demand.
In contrast, loans to corporations rose to 221.347 billion riyals during the fourth quarter, compared to 211.849 billion riyals in the third quarter, indicating significant growth in financing directed toward the corporate sector.
Year-over-year growth exceeding 13%
On a year-over-year basis, mortgage loans a strong jump of 13.3% compared to the fourth quarter of 2024, standing at 883.279 billion riyals at that time, before rising to 951.302 billion riyals by the end of the fourth quarter of 2025.
In detail, personal loans rose from 681.240 billion riyals in the fourth quarter of 2024 to 729.955 billion riyals in the same period of 2025, while corporate loans rose from 202.038 billion riyals to 221.347 billion riyals during the same comparison period.
Continued Momentum in Mortgage Lending
These figures demonstrate the continued expansion of mortgage lending by commercial banks, whether in the form of consumer loans for home purchases or corporate financing for the implementation and development of real estate projects.
With total loans approaching the one trillion riyal mark, the real estate finance market in Saudi Arabia appears to be entering a new phase of growth, supported by residential demand and development projects, which reinforces the sector’s position as one of the main drivers of the national economy.
