The total real estate loans in the Kingdom approached the trillion riyals by the end of the first quarter of 2026, recording a new historical level reflecting the expansion of real estate activity and its growing role in supporting the national economy.<DataSaudi Central Bank “Sama” showed that the total cumulative real estate loans granted by commercial banks to individuals and companies amounted to about 967.This figure reflects a year-on-year increase of SAR 57.96 billion compared to the same period in 2025, when real estate loans amounted to SAR 909.93 billion, representing a growth of 6.Mortgage loans also continued their upward trajectory on a quarterly basis, rising by 16.59 billion riyals during the first three months of this year compared to the end of 2025, rising from 951.3 billion riyals to 967.9 billion riyals, a growth rate of 1.7%.
Mortgage loans also continued their upward trajectory on a quarterly basis, rising by 16.59 billion riyals during the first three months of this year compared to the end of 2025.
Individuals hold the largest share
Individuals maintained their position as the largest beneficiaries of real estate financing in the Kingdom, as they accounted for more than three-quarters of the total real estate loans outstanding with commercial banks, and individuals accounted for about 76.5% of the total real estate financing by the end of the first quarter of 2026, compared to 23.5% for companies, confirming the continued momentum in the housing finance market.
Mortgage loans granted to individuals reached 740.5 billion riyals, compared to 698.76 billion riyals in the same period last year, an increase of more than 41.7 billion riyals, with an annual growth rate of nearly 6%.
Loans to individuals also recorded a quarterly increase of about 10.55 billion riyals during the first quarter of this year, after rising from 729.96 billion riyals at the end of the fourth quarter of 2025 to 740.5 billion riyals.
The real estate loans to individuals also recorded a quarterly increase of about 10.55 billion riyals during the first quarter of this year.
Corporates strengthen their presence in the real estate financing market
Corporates continued to expand their access to real estate financing, with total loans granted to them rising to 227.39 billion riyals by the end of Q1 2026. This level is higher than the SAR 211.17 billion recorded a year ago, which means an increase of SAR 16.22 billion and an annualized growth of 7.68%, which is higher than the growth of individual loans during the same period. Corporate loans also witnessed significant quarterly growth, rising by 6.04 billion riyals compared to the end of 2025, when it reached 221.35 billion riyals, recording a growth rate of 2.7% in just three months.
2025... The Year of Real Estate Finance Expansion
The first quarter results reflect the continued momentum in the real estate finance market during 2025, with total real estate loans granted by commercial banks increasing by 7.7% year-on-year. During that year, Saudi banks added more than 68 billion riyals to the real estate finance portfolio, rising from 883.28 billion riyals to 951.3 billion riyals by the end of the year.
The bulk of this increase came from financing directed to individuals, which during 2025 amounted to about 48.72 billion riyals, compared to 19.31 billion riyals pumped into companies.
The results of the first quarter reflect the continued momentum in the real estate finance market during 2025, as total real estate loans granted by commercial banks increased by 7.7% year-on-year.
