{"id":104539,"date":"2026-05-04T14:37:21","date_gmt":"2026-05-04T11:37:21","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=104539"},"modified":"2026-05-04T14:44:52","modified_gmt":"2026-05-04T11:44:52","slug":"%d8%a7%d9%84%d8%aa%d9%85%d9%88%d9%8a%d9%84-%d8%a7%d9%84%d8%b9%d9%82%d8%a7%d8%b1%d9%8a-%d8%a7%d9%84%d8%ac%d8%af%d9%8a%d8%af-%d9%85%d9%86-%d8%a7%d9%84%d9%85%d8%b5%d8%a7%d8%b1%d9%81-%d9%84%d9%84%d8%a3","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/104539\/","title":{"rendered":"Decline of 22.3%... Retail real estate financing falls to SAR 4.355 billion in March 2026"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Saw a market <strong><a href=\"https:\/\/amlak.net.sa\/en\/102845\/\">Residential Real Estate Finance <\/a><\/strong>In Saudi Arabia during March 2026, there was a notable decline in the volume of new financing provided to individuals, whether from banks or finance companies, according to data from the monthly statistical bulletin issued by <strong><a href=\"https:\/\/www.sama.gov.sa\/\">Saudi Central Bank<\/a><\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The data showed that the total <strong><a href=\"https:\/\/amlak.net.sa\/en\/101873\/\">Real estate finance <\/a><\/strong>New residential construction for individuals in the Kingdom fell by 22.3% in March 2026, reaching approximately 4.355 billion riyals, compared to 5.612 billion riyals in February of the same year. This financing is distributed among banks and finance companies, with banks clearly dominating the largest share of the market.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Decline in bank financing drives the drop<\/strong><br>New residential mortgage financing provided by Saudi banks declined by approximately 22% on a month-over-month basis, reaching 4.187 billion riyals in March 2026, compared to 5.371 billion riyals in February. This figure also represented a significant year-over-year decline of 50% compared to March 2025, when financing totaled approximately 8.339 billion riyals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Villas account for the largest share<\/strong><br>According to the sectoral breakdown, residential villas accounted for the largest share of bank financing at 2.614 billion riyals, compared to 3.425 billion riyals in February, while financing for apartments totaled 1.293 billion riyals, compared to 1.616 billion riyals the previous month. Land financing, meanwhile, declined to 280 million riyals, compared to 330 million riyals in February.<br>On a year-over-year basis, all sectors also declined sharply, with financing for villas falling from 5.186 billion riyals in March 2025 to 2.614 billion riyals in March 2026, Apartment financing also fell from 2.798 billion riyals to 1.293 billion riyals, and land financing declined from 415 million riyals to 280 million riyals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Banks Hit Lowest Level Since 2023<\/strong><br>The data indicated that new residential mortgage financing provided by banks in March 2026 reached its lowest level since April 2023, when it stood at approximately 4.15 billion riyals, reflecting a clear slowdown in the market in recent months.<br>The number of contracts signed between banks and individuals during the same month reached approximately 6,400, while the average financing amount fell to 655,000 riyals, a decrease of 13% compared to the same period last year. Villas accounted for about 62% of total bank financing, followed by apartments and then land, confirming the continued focus on the residential sector\u2014which is in highest demand\u2014despite the overall decline.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Finance Companies: Monthly Decline vs. Annual Growth<\/strong><br>In the financial sector, data showed a 30.2% decline in new residential mortgage financing provided to individuals in March 2026 compared to February, reaching approximately 168 million riyals, down from 241 million riyals the previous month.<br>Financing was distributed across three main sectors: financing for villas totaled 70 million riyals, compared to 103 million riyals in February, while financing for apartments totaled 75 million riyals, compared to 111 million riyals, and financing for land stood at 22 million riyals, down from 26 million riyals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Despite the monthly decline, the data showed a year-over-year increase in financing provided by finance companies of 14.7% compared to March 2025, when financing stood at 197 million riyals, reflecting the contrast in performance between the monthly and year-over-year trends.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/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>The residential real estate finance market in Saudi Arabia during March 2026 witnessed a significant decline in the volume of new financing provided to individuals, whether from banks or finance companies, according to data from the monthly statistical bulletin issued by the Saudi Central Bank. The data showed that the total new residential real estate financing for individuals in the Kingdom decreased by 22.3% during March 2026, to record ... <a title=\"Decline of 22.3%... Retail real estate financing falls to SAR 4.355 billion in March 2026\" class=\"read-more\" href=\"https:\/\/amlak.net.sa\/en\/104539\/\" aria-label=\"Read more about a 22.3% decline... Retail mortgage lending falls to 4.355 billion riyals in March 2026\">Read more<\/a><\/p>","protected":false},"author":27,"featured_media":31883,"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-104539","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-finance"],"acf":{"amlak_post_excerpt":"\u0625\u062c\u0645\u0627\u0644\u064a 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