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A record jump in Saudi real estate financing What are the expectations and future trends?

Reading time: < 1 Minuteساهم التمويل البنكي في انتعاشة القطاع العقاري داخل المملكة العربية السعودية، خاصة في ظل التشريعات والسياسات المالية التي دعمت توجه المواطنين في تملك المسكن، حيث ... Read more

Mortgage loans exceeded 883.3 billion riyals, 77% directed to individuals, and new housing finance reached 11.94 billion in December 2024.

13/10/2025

with an annual growth of 13%. Real estate loans approach one trillion riyals during the fourth quarter of 2025

Mortgage loans to reach SAR 951 billion by the end of 2025, driven by increased retail and corporate financing and annual growth exceeding 13%

1.078 billion riyals deposited in the accounts of housing subsidy beneficiaries for February

Deposit of SAR 1.78 billion to support the profits of the contracts of the beneficiaries of the housing support programs for February 2026 as part of Vision 2030

Joud Endowment Fund's digital endowment certificate launched to support development housing What do you know about it?

A digital initiative approved by the General Authority of Endowments to facilitate and document contributions to Joud Waqf to support sustainable development housing.

Saudi Central Bank - Digital Brokerage

Bank Real Estate Liquidation Plan. Will it rebalance the real estate market?

Banks should reassess real estate credit quality and focus on better screening of projects, developers and clients to avoid defaults

Saudi Real Estate - Riyadh

 Badr Al-Rubaish: Real estate tokenization opens up investment to a wide range of people through fractional ownership

Real estate tokenization allows for smaller investments and fractional ownership with higher transparency, while requiring legislation and governance to protect investors

«Saudi Mortgage Refinance signs agreement to stabilize housing finance

Saudi Real Estate Refinance Company (SRRC) has signed a residential mortgage portfolio purchase agreement with First Saudi Bank as part of its efforts to support the housing system.

Saudi Central Bank - Digital Brokerage

108.8 thousand mortgage contracts from banks in Saudi Arabia by 2025

Residential real estate financing falls 12% in 2025 to SAR 80.4 billion despite interest rate cuts and the continued dominance of villas in loans

SAR 219 million in new real estate financing from companies to individuals in December 2025

Monthly decline of 27% in residential real estate financing for individuals as villas continue to lead and land financing rises

Banks granted SAR 5.5 bn in mortgages to individuals by the end of December

The total new residential mortgage financing provided to individuals by banks in the Kingdom recorded 5.548 billion riyals by the end of December 2025, achieving a monthly increase of 24.2%.

central-bank-saudi-sama

“SAMA sets the pace for banks” real estate assets. What's in it for the market?

A new regulation requires banks to liquidate real estate within three years, boosting liquidity, protecting the banking sector, and supporting the balance of the real estate market.

Real Estate Development Fund - Mortgage Loan Installments

Infographic: Steps to take advantage of the grace period for disbursement of finance payments

A new e-service to extend the deadline for disbursement of financing payments up to 16 months for defaulters of self-construction, land and loan.

The real estate market under scrutiny Housing Finance Slowdown Despite Strong Banking Sector

A specialized report finds a continued decline in mortgage loans and slowing residential credit growth despite ample bank liquidity.

Soukuk Company Logo

Soukuk Capital announces an upcoming shift in the real estate market with the launch of the first real estate shareholding

Sukuk Capital is preparing to launch Saudi Arabia's first real estate shareholding under a new system that enhances transparency and governance.

Residential program

«Enforcement oversees 75 auctions to liquidate and sell 949 real estate assets in early 2026

«Enforcement begins 2026 with real estate auctions involving 949 assets across the Kingdom.

Residential program

«Real Estate Fund» deposits 1.034 billion riyals to the beneficiaries of the housing support program for the month of December

«Real Estate Fund» deposits 1.034 billion riyals to the beneficiaries of housing support for December 2025.

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