{"id":108370,"date":"2026-08-10T10:28:31","date_gmt":"2026-08-10T07:28:31","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=108370"},"modified":"2026-08-10T10:28:32","modified_gmt":"2026-08-10T07:28:32","slug":"%d8%aa%d8%a8%d8%a7%d8%b7%d8%a4-%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%ae%d9%84%d8%a7%d9%84-%d8%a7%d9%84%d9%86%d8%b5%d9%81-%d8%a7%d9%84%d8%a3%d9%88","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/108370\/","title":{"rendered":"Slowdown in Mortgage Lending During the First Half of 2026"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Continue <strong><a href=\"https:\/\/amlak.net.sa\/en\/108259\/\">Real estate finance<\/a><\/strong> The latest data from Saudi Arabia shows that performance in the first half of 2026 fell short of last year\u2019s levels, despite a notable recovery in June, indicating that the slowdown in residential lending continues, though signs of improvement emerged toward the end of the period.<br>A report issued by Al-Rajhi Financial, based on data<strong><a href=\"https:\/\/amlak.net.sa\/en\/90123\/\"> Saudi Central Bank<\/a><\/strong>, The average monthly volume of new mortgage financing during the first half of the year was 5.4 billion riyals, down 31.3% compared to the same period in 2025, It was also 2.3% lower than the average for the past 12 months, which stood at 5.5 billion riyals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Despite this decline, June saw a rebound in mortgage financing activity, with new financing rising to 5.7 billion riyals, marking a 30.4% increase compared to May and a 7.2% increase year-over-year, after reaching 4.4 billion riyals the previous month.<br>The report noted that banking activity continued to grow in June, with total credit rising by 0.8% on a month-over-month basis and 7.3% year-over-year, reaching approximately 3.42 trillion riyals, exceeding the average monthly growth recorded since the beginning of the year.<br>Bank deposits also grew by 0.7% in June and by 8.9% year-over-year, reaching approximately 3.13 trillion riyals, while demand deposits declined by 1.3%, compared with a 3.4% increase in time deposits, raising their share to a record high of 43.9% of total deposits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At the same time, the banking sector posted record pre-zakat and pre-tax profits of 10.1 billion riyals in June, an increase of 15% month-over-month and 2.4% year-over-year, while its profits for the first half of 2026 rose by 5.8% compared to the same period last year.<\/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\"> &lt; 1<\/span> <span class=\"rt-label rt-postfix\">Minute<\/span><\/span>New mortgage lending in Saudi Arabia continued to underperform last year\u2019s levels during the first half of 2026, despite a notable recovery in June, indicating that the slowdown in residential lending is continuing, though signs of improvement emerged toward the end of the period.A report issued by Al Rajhi Capital, based on data from the Saudi Central Bank, showed that the average new mortgage financing during \u2026 <a title=\"Slowdown in Mortgage Lending During the First Half of 2026\" class=\"read-more\" href=\"https:\/\/amlak.net.sa\/en\/108370\/\" aria-label=\"Read more about the slowdown in mortgage lending during the first half of 2026\">Read more<\/a><\/p>","protected":false},"author":27,"featured_media":61898,"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":[],"amlak_video_sent":"","footnotes":""},"categories":[119],"tags":[],"class_list":["post-108370","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-finance"],"acf":{"amlak_post_excerpt":"\u0645\u062a\u0648\u0633\u0637 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