With the start of 2026, Saudi banks sent signals of recovery to the residential real estate market, after new personal loans recorded a significant monthly increase in January, at a time when annual figures still reflect strong pressure compared to last year's levels.<\/p>\n\n\n\n
And according to the statistical bulletin issued by Saudi Central Bank<\/a><\/strong>, the total amounted to Real estate finance <\/a><\/strong>The new housing for individuals provided by banks reached 6.189 billion riyals during January 2026, compared to 5.548 billion riyals in December 2025, achieving a monthly growth rate of 11.5%.<\/p>\n\n\n\n Villas account for the largest share<\/strong> An annual decline exceeding 40%<\/strong><\/p>\n\n\n\n Despite the monthly improvement, the data showed a sharp decline on a year-over-year basis, with the total new residential real estate financing for individuals falling by 40.8 percent compared to January 2025, which recorded 10.464 billion riyals. Growth in the loan balance by the end of 2025<\/strong> Reading time: <\/span> 2<\/span> Minutes<\/span><\/span>With the start of 2026, Saudi banks have sent signs of recovery to the residential real estate market, as new financing for individuals recorded a significant rise on a monthly basis during January, while annual figures still reflect strong pressures compared to last year's levels, according to the Central Bank of Saudi Arabia's statistical bulletin. According to the Central Bank of Saudi Arabia's statistical bulletin, the total new residential real estate financing for individuals provided ... 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The new funding was distributed across three main sectors: villas, apartments, and land, with villas continuing to dominate the largest share of total funding.
The financing of villas reached 4.079 billion riyals during January 2026, compared to 3.774 billion riyals in December 2025, reflecting a significant increase in demand for this type of residential units.
Also, housing financing rose to 1.699 billion riyals in January, compared with 1.428 billion riyals in December, while land financing reached 411 million riyals, compared with 346 million riyals in the previous month, indicating a relative improvement in various sectors during the first month of the year.<\/p>\n\n\n\n
When broken down by figures, it becomes clear that the funding for villas decreased from 6.638 billion riyals in January 2025 to 4.079 billion riyals in January 2026. Similarly, funding for apartments decreased from 3.351 billion riyals to 1.699 billion riyals during the same period, while funding for land decreased from 475 million riyals to 411 million riyals.<\/p>\n\n\n\n
In a related context, the bulletin revealed an increase in the total Real estate loans <\/a><\/strong>Commercial banks have 1.4% more during the fourth quarter of 2025 compared to the same quarter of the previous year.
Real estate loans reached about 951.302 billion riyals in the fourth quarter of 2025, compared to 937.998 billion riyals in the third quarter, reflecting continued credit expansion and at a moderate pace.
These indicators reveal a dual picture of the Saudi residential real estate market; a monthly recovery driven by increased demand early in the year, accompanied by a significant year-on-year decline compared to the peak funding recorded in January of last year, making the performance of the coming months crucial in determining the market trajectory during 2026.<\/p>","protected":false},"excerpt":{"rendered":"