Experts have warned of potential negative repercussions for the real estate financing market in the future, resulting from individuals» heavy reliance on returns from their investments in the construction and rental of small villas (duplexes), multi-story units, and apartments, given the current boom in this sector. Real estate expert Dr. Abdullah Al-Mughlouth told Al Jazeera that the real estate market is active and is experiencing continuous development and remarkable growth, and is characterized by opportunities for all parties—investors, developers, and traders alike. The banking sector has contributed to this momentum by injecting liquidity and providing the necessary financing for individuals to acquire housing, However, many borrowers have begun to take advantage of these loans by investing them in the construction of properties and then renting them out—either in whole or in part—to repay the loans to the lenders, where buildings are constructed as duplexes or apartments, with the owners living in one part and renting out the other. Al-Mughlouth noted that the increase in individuals taking out large mortgage loans is the main reason for the recent spread of this phenomenon. He noted that relying on rental income for repayment without taking into account future changes in the rental market could have negative consequences for the ability to repay and meet loan obligations, as the residential apartment market and rental rates may decline due to the Ministry of Housing’s provision of housing units to citizens, or the expansion of government and private entities» support for their employees by providing them with housing units, or a decline in the number of foreign residents in the Kingdom, given that they constitute an important segment and a major driver of the rental market’s recovery, in addition to other factors such as the trend among many developers to launch more residential projects, and the expansion of banks and their continued provision of loans and real estate financing in the coming period.