{"id":69485,"date":"2025-10-05T12:34:13","date_gmt":"2025-10-05T09:34:13","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=69485"},"modified":"2025-11-25T17:14:50","modified_gmt":"2025-11-25T17:14:50","slug":"%d8%a8%d8%a7%d9%84%d9%81%d9%8a%d8%af%d9%8a%d9%88-%d9%86%d8%b5%d8%a7%d8%a6%d8%ad-%d9%84%d8%aa%d9%82%d9%84%d9%8a%d9%84-%d8%a3%d8%b9%d8%a8%d8%a7%d8%a1-%d8%a7%d9%84%d8%aa%d9%85%d9%88%d9%8a%d9%84-%d8%a7","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/69485\/","title":{"rendered":"Video How to minimize mortgage payments without losing subsidies"},"content":{"rendered":"

In light of the financial challenges that some people may face due to high mortgage installments or extending the repayment period until after retirement, rescheduling a mortgage is one of the possible solutions. But is this solution always effective, and what are the risks that may accompany it? Real estate and investment consultant Matar Al-Shammari provides us with clarifications on this topic, warning of some aspects that must be taken into consideration.<\/p>\n

Rescheduling a mortgage: When is it a solution?<\/strong><\/span><\/h4>\n

In a recent video, Matar Al-Shammari emphasized that rescheduling a mortgage can be an effective step for people whose monthly installments exceed their financial capacity or for those whose financing extends beyond retirement age, making repayment more difficult. He explained that rescheduling is mainly aimed at reducing the monthly installment, but requires approval from the real estate fund and the financing bank.<\/p>\n

Rescheduling Terms and Potential Risks<\/span><\/h4>\n

Al-Shammari noted that it is important to make sure that the rescheduling complies with the conditions of the Real Estate Fund to avoid canceling the government subsidy. He also warned that the bank may charge additional interest during the new financing period, making it necessary to carefully study the interest rate and potential fees before taking this step. He explained that rescheduling is not always available to everyone, as the bank is not obligated to offer this option, except in exceptional cases that the bank may determine according to its policies.<\/p>\n

Financing rescheduling caveats: What to know<\/strong><\/span><\/h4>\n

Al-Shammari added that it is essential for customers to review the original contract terms before considering rescheduling, as these terms are considered a legal reference between the customer and the bank, and should not rely on verbal information that may be provided by bank employees. He explained that rescheduling is not a guarantee of financial comfort, as it can sometimes lead to extending the financing period in a way that increases the interest paid in the long term.<\/p>\n

Tips before rescheduling<\/span><\/h4>\n

Al-Shammari recommended against extending the financing period until after retirement, as this increases the financial burden on customers at a time when they need to minimize expenses. He also stressed the need to choose an installment rate that suits personal income and financial capacity from the beginning, to avoid resorting to rescheduling later. He pointed out that banks may or may not approve rescheduling, which requires full awareness of the customer's responsibilities before taking any step.<\/p>\n

In conclusion, rescheduling a mortgage may seem like a suitable solution for many if they are unable to pay their monthly installments, but it comes with a set of risks and conditions that the customer should be aware of. With the necessary advice, the final decision remains in the hands of the customer after studying all available options and understanding the consequences of each of them well.<\/p>\n

\n

Mortgage refinancing is a solution, but a dangerous one \u26d4\ufe0f#Real estate<\/a> #Real Estate_Riyadh<\/a> #Funding<\/a>#Property_Finance<\/a> pic.twitter.com\/nLzc4tmDoG<\/a><\/p>\n

- Matar Al-Shammari is a real estate and investment consultant (@mnfr10) September 28, 2024<\/a><\/p><\/blockquote>\n

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

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