{"id":109519,"date":"2026-08-29T15:59:17","date_gmt":"2026-08-29T12:59:17","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=109519"},"modified":"2026-08-29T15:59:18","modified_gmt":"2026-08-29T12:59:18","slug":"%d8%a7%d9%84%d8%aa%d9%85%d9%88%d9%8a%d9%84-%d8%a8%d9%800-%d9%87%d9%84-%d8%af%d8%ae%d9%84%d8%aa-%d8%b9%d9%82%d8%a7%d8%b1%d8%a7%d8%aa-%d8%a7%d9%84%d8%b1%d9%8a%d8%a7%d8%b6-%d8%b2%d9%85%d9%86","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/109519\/","title":{"rendered":"Financing at 0%\u2026 Has the Riyadh real estate market entered a \u00abbuyer\u2019s market\u00bb?"},"content":{"rendered":"

The question now is in Real estate market<\/a><\/strong> In Riyadh, the question of \u00abwhat is the price of the property?\u00bb is no longer limited, as some offers are beginning to shift the competition to another more sensitive area: what will the developer offer the buyer so that they can make a purchasing decision? In light of indicators of a decline in the prices of some properties, the question of whether the developer will be able to maintain its current level of profitability is also becoming increasingly important. Territory <\/a><\/strong>In Riyadh, some real estate companies have started to resort to other tools to stimulate demand, including financing starting at 0% with some fees, and the provision of additional exemptions and incentives, which reduce the actual cost of purchasing without necessarily reducing the advertised price of the property.
These changes do not necessarily mean that the market has entered a price war, but they reveal a significant change in the bargaining equation; the developer is no longer competing solely on price, specifications, and location; instead, it is ready to bear part of the cost of the transaction to make the buying decision easier for the customer.<\/p>\n\n\n\n

Financing instead of reducing the price<\/strong>
When a developer offers financing starting at 0% or covers part of the fees and costs associated with the purchase, the advertised price of the property may remain the same, but the cost of owning it for the buyer decreases.
Here, the importance of this strategy becomes apparent to developers; lowering the price directly may affect project valuations and prevailing prices, while providing incentives and affordable financing gives the buyer additional value without necessarily changing the advertised price.
From this perspective, financing offers a way to maintain advertised prices while simultaneously alleviating the financial burden on buyers and encouraging them to make a purchase decision.<\/p>\n\n\n\n

What does this offer economically mean?<\/strong>
From an economic perspective, concessional financing and exemptions cannot be viewed as \u00abfree gifts\u00bb; the seller or developer bears part of the cost of the transaction with the aim of making the real estate product more attractive. This means that the developer is more willing to make a concession elsewhere in the equation rather than directly reducing the price, whether through charging fees, offering better financing terms, or adding incentives that make the final cost of the purchase less expensive for the customer.
Ultimately, the goal is to drive sales and maintain liquidity, especially if making a purchasing decision becomes more difficult for a segment of customers.<\/p>\n\n\n\n

From the \u00abwar of prices\u00bb to the \u00abwar of incentives\u00bb<\/strong>
The current situation does not necessarily indicate the outbreak of a broad price war in the Riyadh market, but it reflects a shift in the nature of competition.
In the past, price was one of the most prominent elements in project comparisons, while current incentives open up a new avenue for competition: a developer can maintain their advertised price, but offer the buyer better financing, exemptions from certain fees, or additional benefits.
Therefore, a property with the same price may become more attractive than another if the cost of entry, payment terms, and accompanying incentives are more favorable to the buyer.<\/p>\n\n\n\n

Are the balance of power changing?<\/strong>
Perhaps the most important signifier in these shifts is the change in the balance of power within the market.
When the developer begins to think about how to reduce the cost for the client instead of merely offering the property at a fixed price, the buyer becomes more involved in the negotiation process. Here, the question shifts from \u00abHow much is the property priced at?\u00bb to a more impactful question: \u00abWhat will you offer me to buy from you?\u00bb
This shift may give buyers more room to compare and negotiate, especially with the variety of options and the developers\u2019 competition to attract demand.<\/p>\n\n\n\n

Has Riyadh started entering the \u00abtime of the buyer\u00bb?<\/strong>
The answer still needs more indicators to be said that the market has already entered the \u00abtime of the buyer,\u00bb but the developers\u2019 tendency to offer affordable financing, incentives, and exemptions carries a clear indication that attracting buyers has become a higher priority.
The market does not necessarily need a price collapse for the rules of the game to change; sometimes the change begins with the details of the transaction itself.
Between the reduction in the land price on the one hand, and the provision of financing starting at 0% and incentives that reduce the actual cost on the other hand, it seems that the Riyadh market is moving towards a stage where convincing the buyer to purchase is no longer just determining the price of the property; it is the most important factor in competition.
And perhaps this is the most significant change: the battle is no longer just over the price of the property, but over the cost of owning it, the conditions for obtaining it, and the value that the buyer receives for their money.<\/p>\n\n\n\n

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

Reading time: <\/span> 2<\/span> Minutes<\/span><\/span>The question in the real estate market in Riyadh is no longer limited to \u00abhow much is the property priced at?\u00bb, as some offers have begun to shift the competition to another more sensitive area: what will the developer offer the buyer so that they can make a purchasing decision? With indicators showing that the prices of some land in Riyadh are declining, some real estate companies have begun to resort to other tools to stimulate demand, including \u2026 Read 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