{"id":1697,"date":"2025-05-10T11:01:44","date_gmt":"2025-05-10T11:01:44","guid":{"rendered":"http:\/\/amlaknet.local\/?p=1697"},"modified":"2025-11-25T22:11:32","modified_gmt":"2025-11-25T22:11:32","slug":"%d8%aa%d8%a8%d8%a7%d8%b7%d8%a4-%d9%81%d9%8a-%d8%a7%d9%84%d9%86%d9%85%d9%88-%d8%a7%d9%84%d8%b3%d9%86%d9%88%d9%8a-%d9%84%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","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/1697\/","title":{"rendered":"Annual growth in real estate financing from banks slowed in March"},"content":{"rendered":"

Despite the fact that Real estate finance<\/a><\/strong> However, central bank data revealed a sharp slowdown in the growth of bank financing year-on-year, reaching the lowest level since August 2024, reflecting a divergence in the sector's performance between banks and real estate finance companies.<\/p>\n\n\n\n

According to Saudi Central Bank<\/a><\/strong> \u201cSAMA, the New Residential Mortgage Financing<\/a> <\/strong>Financing from commercial banks amounted to about 8.4 billion riyals in March, the lowest monthly level recorded since August 2024, a decrease of about 10% year-on-year. Residential villas accounted for the largest share with 62% of financing, equivalent to SAR 5.2 billion, followed by residential apartments with 33% (SAR 2.8 billion), and land with 5% (SAR 415 million).<\/p>\n\n\n\n

Total real estate financing jumps with support from banks<\/h4>\n\n\n\n

Despite this slowdown in March's performance compared to previous months, the year-over-year comparison shows an improvement, with total Real estate finance<\/a> <\/strong>New residential construction increased to SR8.59 billion, compared to SR7.84 billion in March 2024, an increase of 12.7%, driven by a 10.2% increase in bank financing.<\/p>\n\n\n\n

Real estate finance companies fall by 12.4%<\/h4>\n\n\n\n

On the other hand, real estate finance companies continued to record a sharp decline in their performance, as the volume of financing provided by them amounted to only 197 million riyals, compared to 225 million riyals in March last year, a decrease of 12.4%.<\/p>\n\n\n\n

Villas and Apartments Lead Growth, Land Declines<\/strong><\/p>\n\n\n\n

In terms of qualitative breakdown, residential villa financing recorded a year-on-year growth of 5.1% to reach SAR 5.25 billion, while apartment financing jumped by 6.1% to reach SAR 2.89 billion.<\/p>\n\n\n\n

Financing for the purchase of residential land continued to decline, recording a decrease of 12.4% to reach only 443 million riyals, compared to 509 million riyals in March 2024, the lowest level in 3 months.<\/p>\n\n\n\n

Contracts go down. Higher funding per beneficiary<\/h4>\n\n\n\n

Despite the rise in the value of financings, the number of contracts signed fell slightly, with 10,945 contracts recorded in March 2025, compared to 10,592 in the same month last year, a decline of 1.8%.<\/p>\n\n\n\n

This decline suggests that individuals may be moving towards larger funds per contract, which could reflect either a rise in real estate prices or a move towards units with a higher market value.<\/p>","protected":false},"excerpt":{"rendered":"

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