{"id":105785,"date":"2026-06-06T10:53:37","date_gmt":"2026-06-06T07:53:37","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=105785"},"modified":"2026-06-06T10:53:39","modified_gmt":"2026-06-06T07:53:39","slug":"%d8%a7%d9%84%d9%82%d8%b1%d9%88%d8%b6-%d8%a7%d9%84%d8%b9%d9%82%d8%a7%d8%b1%d9%8a%d8%a9-%d8%aa%d8%b3%d8%ac%d9%84-%d8%a3%d8%b9%d9%84%d9%89-%d9%85%d8%b3%d8%aa%d9%88%d9%89-%d8%aa%d8%a7%d8%b1%d9%8a%d8%ae","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/105785\/","title":{"rendered":"Mortgage loans hit a historic high by the end of Q1 2026"},"content":{"rendered":"<p class=\"wp-block-paragraph\">The total is approaching <strong><a href=\"https:\/\/amlak.net.sa\/en\/101997\/\">Real estate loans<\/a><\/strong> In the Kingdom, the real estate market surpassed the one trillion riyal mark by the end of the first quarter of 2026, setting a new record that reflects the expansion of real estate activity and its growing role in supporting the national economy.<br>Data showed<strong><a href=\"https:\/\/www.sama.gov.sa\/\"> Saudi Central Bank<\/a><\/strong> \u201cSAMA\u201d stated that the total<strong><a href=\"https:\/\/amlak.net.sa\/en\/101742\/\"> Real estate loans<\/a><\/strong> The total amount of loans granted by commercial banks to individuals and businesses reached approximately 967.9 billion riyals by the end of the first quarter of 2026, the highest level ever recorded.<br>This figure reflects a year-over-year increase of 57.96 billion riyals compared to the same period in 2025, when mortgage loans totaled approximately 909.93 billion riyals, representing a growth rate of 6.37%.<br>Mortgage loans also continued their upward trend on a quarterly basis, rising by approximately 16.59 billion riyals during the first three months of this year compared to the end of 2025, rising from 951.3 billion riyals to 967.9 billion riyals, representing a growth rate of 1.7%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Individuals account for the largest share <\/strong><br>Individuals maintained their position as the largest beneficiaries of real estate financing in the Kingdom, accounting for more than three-quarters of total outstanding real estate loans at commercial banks, with individuals\u2019 share reaching approximately 76.5% of total mortgage financing by the end of the first quarter of 2026, compared to 23.5% for corporations, confirming the continued momentum in the residential mortgage market.<br>Mortgage loans granted to individuals reached 740.5 billion riyals, compared to approximately 698.76 billion riyals in the same period last year, an increase of more than 41.7 billion riyals, with an annual growth rate of approximately 6%.<br>Loans to individuals also recorded a quarterly increase of approximately 10.55 billion riyals during the first quarter of this year, rising from 729.96 billion riyals at the end of the fourth quarter of 2025 to 740.5 billion riyals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Companies Are Expanding Their Presence in the Mortgage Market<\/strong><br>Conversely, companies continued to expand their use of real estate financing, with total loans extended to them rising to 227.39 billion riyals by the end of the first quarter of 2026. This figure is higher than the 211.17 billion riyals recorded a year earlier, representing an increase of 16.22 billion riyals and annual growth of 7.68%\u2014a rate that exceeds the growth in personal loans during the same period. Corporate loans also saw notable quarterly growth, rising by approximately 6.04 billion riyals compared to the end of 2025, when they stood at 221.35 billion riyals, to record a growth rate of 2.7% in just three months.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2025: A Year of Expansion in Mortgage Lending<\/strong><br>The first-quarter results reflect the continued momentum seen in the mortgage market throughout 2025, as the total value of mortgage loans granted by commercial banks rose by 7.7% year-over-year. During that year, Saudi banks added more than 68 billion riyals to the mortgage financing portfolio, bringing the total from 883.28 billion riyals to 951.3 billion riyals by the end of the year.<br>The bulk of this increase came from funding directed toward individuals, which totaled approximately 48.72 billion riyals in 2025, compared with 19.31 billion riyals allocated to companies.<\/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 total real estate loans in the Kingdom approached the trillion riyals by the end of the first quarter of 2026, recording a new historical level reflecting the expansion of real estate activity and its growing role in supporting the national economy.Data from the Saudi Central Bank (SAMA) showed that the total cumulative real estate loans granted by commercial banks to individuals and companies amounted to about 967.9 billion riyals by the end of the first quarter of ... <a title=\"Mortgage loans hit a historic high by the end of Q1 2026\" class=\"read-more\" href=\"https:\/\/amlak.net.sa\/en\/105785\/\" aria-label=\"Read more about mortgage loans reaching an all-time high by the end of the first quarter of 2026\">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":"","_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":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_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-105785","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-finance"],"acf":{"amlak_post_excerpt":"\u0627\u0644\u0642\u0631\u0648\u0636 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