{"id":112405,"date":"2026-11-05T09:54:34","date_gmt":"2026-11-05T06:54:34","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=112405"},"modified":"2026-11-05T09:54:35","modified_gmt":"2026-11-05T06:54:35","slug":"%d8%b3%d9%88%d9%82-%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%84-9-%d8%a3%d8%b4%d9%87%d8%b1-%d8%b9%d9%82%d9%88%d8%af-%d8%a3%d9%83","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/112405\/","title":{"rendered":"The mortgage market over the past nine months: more contracts with lower loan amounts."},"content":{"rendered":"

Data revealed Saudi Central Bank<\/a><\/strong> About a gradual change in market indicators Residential Real Estate Finance<\/a><\/strong> In the Kingdom during the period from January to September 2026, the annual decline in the value of new financing decreased from 43% in the first quarter to less than 5% in the third quarter, coinciding with the return of the number of new contracts to growth. <\/p>\n\n\n\n

Despite this relative improvement in the pace of decline, the total value of new real estate financing granted to individuals to purchase residential properties during the first nine months of 2026 decreased by 24%, recording 49.42 billion riyals, compared to 64.86 billion riyals during the same period last year, with a loss of 15.44 billion riyals.<\/p>\n\n\n\n

A comparison of the three quarters indicates that the first quarter was the most affected by the contraction in financing, before the annual gap began to narrow gradually during the following two quarters. In the first three months of the year, financing amounted to SAR 15.75 billion, compared to SAR 27.77 billion in the same period of 2025, registering a decrease of 43.281 TP3T.<\/p>\n\n\n\n

During the second quarter, indicators improved relatively, with financing reaching SAR 16.40 billion, compared to approximately SAR 18.99 billion in the same quarter of the previous year, a decrease of 13.641 TP3T. The gap continued to narrow during the third quarter, which recorded financing of SAR 17.27 billion, compared to SAR 18.10 billion, a decline of no more than 4.591 TP3T, the lowest quarterly decrease since the beginning of the year.<\/p>\n\n\n\n

29,000 new financing contracts <\/strong><\/h2>\n\n\n\n

On the other hand, the third quarter carried a different signal in the real estate financing movement, after the number of new contracts increased despite the continued decline in their total value, which represents an important shift compared to the performance of the first half of the year.<\/p>\n\n\n\n

According to data from the Saudi Central Bank, the number of new mortgage financing contracts for individuals reached 77,825 contracts during the first nine months of 2026, compared to 86,384 contracts during the same period last year, a decrease of 9.91%.<\/p>\n\n\n\n

This decline resulted from the sharp drop at the beginning of the year, with the number of contracts falling by 34,521 TP3T during the first quarter, from 36,280 contracts to 23,756 contracts. In the second quarter, the decrease was limited to 2,391 TP3T, with contracts totaling 24,958 compared to 25,569 contracts in the same period of 2025.<\/p>\n\n\n\n

But the third quarter saw a shift in trend, with the number of contracts rising to 29,111, compared to about 24,535 contracts a year earlier, with an annual growth of 18,65%, making it the first quarter to record an increase in the number of contracts during 2026.<\/p>\n\n\n\n

This increase is particularly significant when compared to the total value of the financing, as the number of beneficiaries or financed contracts increased at a pace not accompanied by a similar growth in the funds granted, reflecting a change in the average size of financing allocated to a single contract.<\/p>\n\n\n\n

Average financing drops to 600,000 riyals<\/strong><\/h2>\n\n\n\n

The decline in the average value of financing contracts is one of the most prominent factors that explain the increase in the number of contracts in conjunction with the decline in total financing, as the average amounts granted tended to decrease during the first three quarters of the year.<\/p>\n\n\n\n

The average value of new mortgage contracts for individuals declined by 15.431 TP3T during the period from January to September 2026, reaching approximately SAR 634,950, compared to SAR 750,821 during the same period last year. On a quarterly basis, the average decreased in the first quarter by 13.41 TP3T, from SAR 765,434 to SAR 662,864, and then continued its decline in the second quarter by 11.531 TP3T, reaching SAR 657,144, compared to SAR 742,760.<\/p>\n\n\n\n

The third quarter recorded the largest decline, after the average contract value fell by 19.59% to reach 593,143 riyals, compared to about 737,614 riyals in the same quarter of 2025, which shows how the market was able to record an increase in the number of contracts, despite the decrease in the total value of new financing.<\/p>\n\n\n\n

Villas account for 64.5% of residential financing.<\/strong><\/h2>\n\n\n\n

Regarding the types of real estate, residential villas maintained their position as the largest recipient of new financing directed to individuals, despite the decrease in the amounts allocated for their purchase during 2026. The value of new financing for the purchase of villas amounted to 31.87 billion riyals during the first nine months of the year, compared to 41.12 billion riyals in the same period of 2025, a decrease of 22.5%, thus accounting for about 64.5% of the total new residential real estate financing.<\/p>\n\n\n\n

The first quarter saw the sharpest decline in villa financing, with its value dropping by 41.841 TP3T to SAR 10.12 billion, compared to SAR 17.40 billion a year earlier. In the second quarter, it reached SAR 10.58 billion, compared to approximately SAR 12.18 billion, a decrease of 13.141 TP3T. However, during the third quarter, the rate of decline slowed considerably, with financing reaching SAR 11.17 billion, compared to SAR 11.55 billion in the same period last year, a decrease of only 3.291 TP3T.<\/p>\n\n\n\n

Apartments are experiencing the biggest decline among property types.<\/strong><\/h2>\n\n\n\n

In contrast, apartments experienced a greater contraction in new financing compared to villas, after the value of financing allocated for their purchase decreased by 27.07% during the first nine months of 2026.<\/p>\n\n\n\n

Apartment financing was recorded at approximately 14.63 billion riyals, compared to 20.06 billion riyals during the same period last year, with a difference of more than 5.4 billion riyals.<\/p>\n\n\n\n

The sharpest decline occurred during the first quarter, when financing fell by 49.061 TP3T, from SAR 9.05 billion to SAR 4.61 billion. Performance then improved somewhat in the second quarter, with financing decreasing by 12.751 TP3T, registering SAR 4.79 billion compared to SAR 5.49 billion.<\/p>\n\n\n\n

The rate of decline continued to decrease during the third quarter, as the value of financing reached 5.23 billion riyals, compared to about 5.52 billion riyals in the same period of 2025, a decrease of 5.25%, which indicates that financing directed towards the purchase of apartments is approaching the levels of the previous year, despite continuing in the negative zone.<\/p>\n\n\n\n

Residential land with the lowest share of funding<\/strong><\/h2>\n\n\n\n

As for residential land, it came in last place in terms of the size of new financing, as the value of financing allocated to its purchase amounted to about 2.92 billion riyals during the first nine months of 2026, compared to about 3.68 billion riyals in the same period last year, a decrease of 20.6%.<\/p>\n\n\n\n

These funds were distributed across the three quarters, with the first quarter recording approximately 1.02 billion riyals, compared to 1.33 billion riyals a year earlier, a decrease of 23.311 TP3T. In the second quarter, the funds amounted to 1.03 billion riyals, compared to approximately 1.32 billion riyals, a decrease of 21.971 TP3T.<\/p>\n\n\n\n

During the third quarter, the value of financing allocated to land declined to 870 million riyals, compared to 1.03 billion riyals in the corresponding period of 2025, with an annual decrease of 15.53%, thus recording a gradual improvement in the pace of decline for land, although the financing directed to it remained lower than the levels of the previous year.<\/p>\n\n\n\n

Read also:<\/strong><\/p>\n\n\n\n

The volume of mortgage financing provided by banks to individuals in the third quarter of 2026 was 17.27 billion riyals.<\/a><\/strong><\/p>\n\n\n\n

Mortgage loan repayment difficulties: What options are available before the problem worsens?<\/a><\/strong>

<\/strong>Mortgage financing for individuals declined to 5.6 billion riyals during September.<\/strong><\/a><\/p>\n\n\n\n

29.5 billion riyals in mortgage loans from finance companies as of the end of the second quarter of 2026<\/strong><\/a><\/p>\n\n\n\n

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

Reading time: <\/span> 4<\/span> Minutes<\/span><\/span>Residential mortgage financing in Saudi Arabia slowed during 2026, with new contract growth returning and the average financing value decreasing.<\/p>","protected":false},"author":27,"featured_media":28840,"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":[10388,10223,10408,10798],"class_list":["post-112405","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-finance","tag-10388","tag-10223","tag-10408","tag-10798"],"acf":{"amlak_post_excerpt":"\u062a\u0631\u0627\u062c\u0639 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