{"id":101873,"date":"2026-03-05T12:22:15","date_gmt":"2026-03-05T09:22:15","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=101873"},"modified":"2026-03-05T12:22:16","modified_gmt":"2026-03-05T09:22:16","slug":"%d8%a8%d8%b9%d8%af-%d8%aa%d8%a8%d8%a7%d8%b7%d9%88%d8%a1-2025-%d8%aa%d9%88%d9%82%d8%b9%d8%a7%d8%aa-%d8%a8%d8%a7%d9%86%d8%aa%d8%b9%d8%a7%d8%b4-%d8%a7%d9%84%d8%aa%d9%85%d9%88%d9%8a%d9%84-%d8%a7%d9%84","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/101873\/","title":{"rendered":"After a slowdown in 2025. Saudi Arabia's real estate finance is expected to rebound this year"},"content":{"rendered":"<p class=\"wp-block-paragraph\">All eyes are on 2026 as a potential turning point for the market <strong><a href=\"https:\/\/amlak.net.sa\/en\/101730\/\">Real estate finance<\/a><\/strong> In Saudi Arabia, expectations are growing that activity will gradually pick up, supported by an anticipated decline in interest rates and an expansion in housing supply. After a year marked by a slowdown due to rising borrowing costs and regulatory measures to rebalance the market, estimates suggest that the sector may regain momentum as financing conditions improve and housing support programs expand.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jadwa Investment expects demand for mortgages to see a gradual recovery in 2026, driven by falling interest rates and an increase in available housing options, following a significant decline in new residential mortgage financing during 2025. Data showed <strong>Saudi Central Bank<\/strong> (SAMA) reported that total new mortgage loans amounted to approximately 80.2 billion riyals in 2025, compared to 92.2 billion riyals in 2024, a decrease of 12%, equivalent to approximately 12 billion riyals. following a year in which it had recorded strong growth of 16%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>High Interest Rates Behind the 2025 Slowdown<\/strong><br>\u00abJadwa\u00bb attributed this decline to the continuing environment <strong><a href=\"https:\/\/amlak.net.sa\/en\/92473\/\">Interest rates<\/a><\/strong> High interest rates, which have prompted many families to postpone decisions about buying homes and taking out loans while they wait for the cost of financing to fall.<br>New regulatory policies aimed at stabilizing the real estate market have also contributed to the sector entering a temporary adjustment phase, as these measures are designed to improve housing affordability and encourage the development of underutilized land, which has been reflected in the pace of real estate activity in recent months.<br>SAMA data also showed that bank financing for real estate development companies remained stable, following a strong growth spurt in the sector during 2023 and the first quarter of 2024.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Housing Supply Supports the Expected Recovery<\/strong><br>According to estimates by the Ministry of Municipalities and Housing, there are approximately 100 million square meters of land ready for development in the city of Riyadh\u2014an area sufficient to build up to 300,000 housing units over the next three years, which will help stabilize prices and increase homeownership options.<br>It is also expected to contribute <strong><a href=\"https:\/\/amlak.net.sa\/en\/69521\/\">\u00abResidential\u00bb program\u00bb <\/a><\/strong>To support the recovery, with plans to expand the scope of assistance to include 100,000 families, in addition to providing approximately 80,000 housing units and developed land in partnership with the private sector. In the same vein, the National Housing Company is working to develop approximately 300,000 new housing units in various regions of the Kingdom in the coming period, following the previous delivery of a similar number in 16 cities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Developments in Liquidity and the Banking Sector<\/strong><br>In the financial sector, the broad money supply grew by 8.4% in 2025, compared to 8.8% in 2024, driven by an increase in time and savings deposits, which accounted for 36% of total liquidity and grew by 23.6%.<br>In contrast, the growth of demand deposits\u2014which account for 47% of the money supply\u2014slowed from an average of 7% in the first half of the year to just 1.3% in the second half.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bank liquidity also tightened somewhat as credit continued to grow at a faster pace than deposits; total bank liabilities rose by 11.1% in 2025, while credit extended to the private sector grew by 10.4%, compared with deposit growth of 8.7%.<br>This led to a rise in the loan-to-deposit ratio to 113% by the end of the year, with increased reliance on external funding sources to meet domestic demand for credit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The Interest Rate Cut Is the Decisive Factor<\/strong><br>The U.S. Federal Reserve kept interest rates unchanged in January, a move that was followed by the Saudi Central Bank; however, forecasts suggest that interest rates could be cut twice in 2026, despite the continuing uncertainty surrounding the path of global inflation.<br>Lower interest rates are likely to reduce the appeal of savings deposits while increasing demand for credit\u2014particularly mortgage financing\u2014thereby boosting the prospects for a recovery in the mortgage market.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The \u00abJadwa\u00bb report suggests that the combination of lower financing costs, the clear impact of new real estate legislation, and the continued strength of the local economy could serve as a springboard for a strong recovery in the mortgage sector over the coming year, following a temporary slowdown in 2025.<\/p>","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading time: <\/span> <span class=\"rt-time\"> 2<\/span> <span class=\"rt-label rt-postfix\">Minutes<\/span><\/span>Saudi Arabia's real estate finance market is looking at 2026 as a potential turning point, with expectations of a gradual resurgence of activity supported by lower interest rates and an expanding housing supply. After a year marked by a slowdown due to high cost of borrowing and regulatory measures to reset the market, it is estimated that the sector may regain momentum as financing conditions improve and programs ... <a title=\"After a slowdown in 2025. Saudi Arabia&#039;s real estate finance is expected to rebound this year\" class=\"read-more\" href=\"https:\/\/amlak.net.sa\/en\/101873\/\" aria-label=\"Read more about: After a Slowdown in 2025... Mortgage Lending in Saudi Arabia Expected to Rebound This Year\">Read more<\/a><\/p>","protected":false},"author":27,"featured_media":75594,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[{"url":"","title":"","desc":"","thumbnail":"","duration":"","rating":"","view_count":"","tag":""}],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"footnotes":""},"categories":[119],"tags":[],"class_list":["post-101873","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-finance"],"acf":{"amlak_post_excerpt":"\u062a\u0648\u0642\u0639\u0627\u062a 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