{"id":68961,"date":"2024-09-12T12:39:24","date_gmt":"2024-09-12T09:39:24","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=68961"},"modified":"2025-11-26T01:53:19","modified_gmt":"2025-11-26T01:53:19","slug":"%d9%85%d9%86%d8%aa%d8%ac-%d8%a3%d8%b1%d8%b6-%d9%88%d9%82%d8%b1%d8%b6-%d8%aa%d8%b9%d8%b1%d9%81-%d8%b9%d9%84%d9%89-%d9%85%d8%b2%d8%a7%d9%8a%d8%a7%d9%87-%d9%88%d8%b7%d8%b1%d9%82-%d8%a7%d9%84%d8%a7","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/68961\/","title":{"rendered":"A land and loan product. Learn about its benefits and how to take advantage of it"},"content":{"rendered":"

Prepare \u201cLand and Loan\u201d product\u201d<\/a><\/strong> One of Saudi Arabia's pioneering housing initiatives Ministry of Municipalities and Housing<\/a><\/strong>In collaboration with Real Estate Development Fund<\/a><\/strong>This product allows beneficiaries to obtain a plot of land and a mortgage loan to build their own home. This product allows beneficiaries to obtain a plot of land and a mortgage loan to build their own home, supporting the government's efforts to achieve the goals of Vision 2030 to increase the percentage of homeownership and promote the growth of the real estate sector.<\/p>\n

Advantages of Land and Loan<\/span><\/h4>\n

Facilitating homeownership for citizens: The product provides a real opportunity for citizens to own and build land at reduced costs compared to market prices, which contributes to increasing homeownership rates among citizens.<\/p>\n

Integrated financial support: The product combines a land grant with a mortgage loan, easing the financial burden on households and making the construction process easier through subsidized financing.<\/p>\n

Choice of land: Beneficiaries will be able to choose land within the plans available from the Ministry of Housing and Urban Development, giving them the freedom to choose a location that suits them near the areas they want to settle in.<\/p>\n

Stimulating the construction sector: The product contributes to stimulating economic activity by activating the construction sector and increasing the demand for materials and services related to construction.<\/p>\n

Achieving financial inclusion: It contributes to supporting financial inclusion by providing various financing options available to a large segment of citizens, which enhances the financial capabilities of households and makes them more able to invest in building their homes.<\/p>\n

Speed of completion: Thanks to government support and direct financing, beneficiaries can start building their homes faster without having to wait as long as in some prefabricated housing projects.<\/p>\n

The impact of the land and loan product on the real estate sector<\/span><\/h4>\n

Leads \u201cLand and Loan\u201d product\u201d<\/a><\/strong> has played an important role in stimulating the real estate sector in the Kingdom, as it contributed to increasing the supply of ready-to-build residential land and increasing the demand for mortgage loans. It also helped ease the pressure on government housing projects by enabling citizens to build their own homes directly, thereby reducing the gap between supply and demand in the real estate market.<\/p>\n

Real estate experts also point out that the product contributed to enhancing competition between contractors and construction companies, which positively reflected on the quality of construction and reduced construction costs. It also led to the creation of new job opportunities in the construction and engineering sectors, and provided an attractive investment environment for companies operating in the sector.<\/p>\n

How to benefit from a land and loan product<\/strong><\/span><\/h4>\n

To benefit from the \u201cLand and Loan\u201d product, the citizen must be eligible for housing support through the \u201cSakani\u201d platform. Here are the steps to get the product:<\/p>\n

Register on the Sakani platform: The beneficiary must log in to the Sakani platform (sakani.sa) and register using their Absher account data.<\/p>\n

Applying for housing support: After registration, the beneficiary submits an application for housing support and chooses the \u201cLand and Loan\u201d product from among the available options.<\/p>\n

Land selection: After confirming the beneficiary's eligibility, he can choose the appropriate land from the plans offered on the \u201cSakani\u201d platform, based on the location and area that suits his needs.<\/p>\n

Obtaining a mortgage loan: After selecting the land, the beneficiary is referred to obtain a mortgage loan from one of the banks or financial institutions participating in the program, where the loan is disbursed over the stages of building the house.<\/p>\n

Completion of banking procedures: The beneficiary must complete the banking procedures and obtain the necessary approvals to build according to engineering standards that ensure quality and safety.<\/p>\n

Start construction: After completing all the procedures and receiving the land and loan, the beneficiary can start building their home according to the approved designs and technical conditions.<\/p>\n

A radical solution for those who want to own property<\/strong><\/span><\/h4>\n

Experts believe that the \u201cLand and Loan\u201d product represents a radical solution to the housing issue and provides practical alternatives for citizens wishing to own and build their homes, as this product helps stimulate the real estate market and increases the flexibility of options for beneficiaries, and supports sustainable development programs that aim to achieve housing stability and improve the quality of life of citizens.\u201d<\/p>\n

The product also contributes to supporting the national economy by stimulating the construction sector and enhancing citizens\u201d confidence in the housing support programs provided by the state, supporting the targets of Vision 2030 to raise the homeownership rate among citizens to 70%.\"<\/p>\n

The \u201cLand and Loan\u201d product represents a paradigm shift in housing finance in Saudi Arabia, as it combines the ownership of land and access to a mortgage loan at the same time, facilitating the construction and ownership process for citizens. With its positive impact on the real estate sector, the product is a step towards achieving the goals of Saudi Vision 2030 in improving the quality of life and increasing the rates of residential ownership, becoming an ideal solution for realizing the dream of home in a competitive and sustainable environment.<\/p>","protected":false},"excerpt":{"rendered":"

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