{"id":106907,"date":"2026-07-02T15:54:56","date_gmt":"2026-07-02T12:54:56","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=106907"},"modified":"2026-07-02T15:54:57","modified_gmt":"2026-07-02T12:54:57","slug":"26-4-%d9%85%d9%84%d9%8a%d8%a7%d8%b1-%d8%b1%d9%8a%d8%a7%d9%84-%d8%aa%d9%85%d9%88%d9%8a%d9%84%d8%a7%d8%aa-%d8%b3%d9%83%d9%86%d9%8a%d8%a9-%d9%81%d9%8a-5-%d8%a3%d8%b4%d9%87%d8%b1-%d9%88%d8%a7%d9%84","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/106907\/","title":{"rendered":"26.4 billion riyals in housing financing in 5 months... Villas account for the largest share"},"content":{"rendered":"

The latest data revealed that Saudi Central Bank<\/a><\/strong> On the Continued Dominance of Residential Villas in Demand Real estate finance<\/a><\/strong>, far outpacing apartments and land. In contrast, the data showed a slowdown in the activity of finance companies, which recorded a significant decline in the volume of Real estate finance <\/a><\/strong>New developments during the first quarter of the year, reflecting a mixed performance among financing institutions in the real estate market.<\/p>\n\n\n\n

26.4 billion riyals in bank financing over five months<\/strong>
According to the aggregate figures released by the Saudi Central Bank, banks provided new residential mortgage financing to individuals totaling 26.446 billion riyals during the period from January through the end of May 2026, through 39,880 financing contracts.
Banks kicked off the year by disbursing 6.189 billion riyals in January through 9,005 financing contracts, before the value of financing declined in February to 5.371 billion riyals through 8,353 contracts.
In March, financing continued to decline, reaching 4.187 billion riyals spread across 6,398 contracts, However, activity rebounded strongly in April, which recorded the highest monthly financing value during the period, as financing exceeded 6.326 billion riyals across 9,579 contracts\u2014the highest number of contracts during the first five months of the year.
In May, new financing totaled 4.373 billion riyals, through 6,545 financing contracts.<\/p>\n\n\n\n

Villas Account for Two-Thirds of Real Estate Financing<\/strong>
Central Bank data showed that residential villas continued to account for the largest share of real estate financing directed toward individuals, with total financing allocated for their purchase reaching 17.069 billion riyals during the first five months of the year, representing approximately 64.5% of total residential real estate financing.
Residential apartments ranked second with total financing of 7.665 billion riyals, equivalent to approximately 29% of total financing liquidity, while land accounted for the smallest share, with financing for land purchases totaling only 1.712 billion riyals.<\/p>\n\n\n\n

These figures indicate that more than 93% of total new real estate financing went toward ready-to-move-in residential units, such as villas and apartments, which reflects the concentration of demand on residential products ready for immediate occupancy, as opposed to land.<\/p>\n\n\n\n

Financing Details by Property Type<\/strong>
During January, villas accounted for 4.079 billion riyals of new financing, compared with 1.699 billion riyals for apartments, while land financing totaled 411 million riyals.
In February, financing for villas fell to 3.425 billion riyals, while financing for apartments reached 1.616 billion riyals, and financing for land totaled 330 million riyals.
In March, financing for villas fell to 2.614 billion riyals, while apartments received 1.293 billion riyals, compared with 280 million riyals for land.
April saw the highest levels of financing during the period, with financing for villas rising to 4.190 billion riyals, financing for apartments reaching 1.780 billion riyals, and financing for land totaling 356 million riyals.
In May, financing for villas totaled 2.761 billion riyals, while apartments received 1.277 billion riyals, and land transactions totaled 335 million riyals.<\/p>\n\n\n\n

A clear indicator of trends in residential demand<\/strong>
The cumulative breakdown of real estate financing reveals that the Saudi housing market remains heavily focused on the purchase of ready-to-move-in residential units, with villas and apartments combined accounting for more than 93% of the total new mortgage financing provided by banks during the first five months of 2026.<\/p>\n\n\n\n

Finance Companies Report a Decline in the First Quarter<\/strong>
In contrast, the monthly statistical bulletin issued by the Saudi Central Bank showed a decline in the activity of mortgage finance companies, with the volume of new residential mortgage financing provided to individuals during the first quarter of 2026 falling by 21.9% compared to the fourth quarter of 2025.
New financing provided by finance companies totaled 585 million riyals during the first quarter of this year, compared with 737 million riyals during the fourth quarter of 2025.<\/p>\n\n\n\n

Decline in Financing Across Various Real Estate Products<\/strong>
Data from the Central Bank showed that new real estate financing provided by finance companies was distributed among three main types of properties: villas, apartments, and land.
Villas recorded financing of 249 million riyals during the first quarter of 2026, compared with 284 million riyals in the fourth quarter of 2025.
Financing for apartments also fell to 279 million riyals, down from 353 million riyals in the previous quarter, while financing for land declined to 57 million riyals from 100 million riyals during the same period.<\/p>\n\n\n\n

Year-Over-Year Decline Despite Improved Financing for Villas<\/strong>
On a year-over-year basis, data from the Saudi Central Bank showed that new mortgage financing provided by finance companies to individuals declined by 5.4% during the first quarter of 2026 compared to the same period in 2025.
Total funding amounted to 585 million riyals, compared with 619 million riyals in the first quarter of last year.<\/p>\n\n\n\n

Despite the overall decline, the value of financing allocated for the purchase of villas rose to 249 million riyals, compared to 175 million riyals a year ago, while financing for apartments fell from 347 million riyals to 279 million riyals, Land financing also fell from 97 million riyals to 57 million riyals.<\/p>\n\n\n\n

<\/p>","protected":false},"excerpt":{"rendered":"

Reading time: <\/span> 3<\/span> Minutes<\/span><\/span>The latest data from the Saudi Central Bank revealed that residential villas continue to dominate mortgage applications, far outpacing apartments and land. Conversely, the data showed a slowdown in activity among finance companies, which recorded a notable decline in the volume of new mortgage financing during the first quarter of the year, reflecting a disparity in the performance of lenders within the real estate market. 26.4 \u2026 Read 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