{"id":70599,"date":"2025-07-06T12:14:13","date_gmt":"2025-07-06T09:14:13","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=70599"},"modified":"2025-11-25T21:10:48","modified_gmt":"2025-11-25T21:10:48","slug":"%d8%ae%d8%a8%d9%8a%d8%b1-%d9%85%d8%a7%d9%84%d9%8a-%d9%8a%d9%82%d8%af%d9%85-4-%d9%86%d8%b5%d8%a7%d8%a6%d8%ad-%d9%84%d8%aa%d8%ac%d9%86%d8%a8-%d9%85%d8%ae%d8%a7%d8%b7%d8%b1-%d8%a7%d9%84%d9%82%d8%b1%d8%b6","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/70599\/","title":{"rendered":"What are the top 4 tips to avoid mortgage risk?"},"content":{"rendered":"

As real estate costs in Saudi Arabia continue to rise, it has become Real estate finance<\/a> <\/strong>A popular solution that many turn to in order to realize their dream of homeownership. But could this option turn into a financial trap? In the \u201cSocrates\u201d podcast, financial expert Nabil Al-Mubarak addresses this topic and offers valuable advice to those interested in homeownership, explaining the circumstances in which it\u2019s best to avoid Mortgage Borrowing<\/a><\/strong> To maintain financial stability.<\/p>\n

Mortgage financing has become a popular and beneficial option for individuals in Saudi Arabia seeking to purchase their first home, as they face financial obstacles that make achieving this goal difficult without support. Despite the importance of this solution, the decision to take out a mortgage must be made with great caution, as it can act as a \u201cfinancial trap\u201d that shatters some people\u2019s dreams if not carefully calculated.<\/p>\n

In this context, financial expert Nabil Al-Mubarak, during his appearance on the \u201cSocrates\u201d podcast, explains some situations in which one should avoid a mortgage. Al-Mubarak says: \u201cIf you\u2019re young and still in the process of establishing yourself professionally and building a family, it\u2019s best to avoid a mortgage, especially if you\u2019re unsure about your long-term career path.\u201d<\/p>\n

Al-Mubarak noted that the decision to Mortgage loan<\/a> <\/strong>It requires careful consideration, especially in Riyadh, where he urged listeners to think \u201c100 times\u201d before taking this step. He explained that the situation is different if a person lives in one of the outlying cities where housing costs are relatively lower\u2014equivalent to about 10% of housing costs in Riyadh\u2014which makes the decision easier.<\/p>\n

Al-Mubarak added that long-term residence in Riyadh is a decisive factor in the decision to take out a mortgage, noting the need to consider the possibility of individuals from the southern regions or elsewhere returning to their home regions.<\/p>\n

With regard to financial obligations, Al-Mubarak advised that people should ensure their mortgage payments do not exceed 45% of their monthly salary, warning that exceeding this ratio could lead to financial instability for individuals<\/p>\n

 <\/p>\n

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

Reading time: <\/span> < 1<\/span> Minute<\/span><\/span>With real estate costs on the rise in Saudi Arabia, mortgage financing has become a key solution that many turn to in order to realize their dream of homeownership. But could this option turn into a financial trap? Financial expert Nabil Al-Mubarak addresses this topic on the \u201cSocrates\u201d podcast and offers valuable advice for those looking to buy a home, explaining the circumstances in which it is best to avoid taking out a mortgage in order to preserve\u2026 Read more<\/a><\/p>","protected":false},"author":27,"featured_media":70161,"comment_status":"open","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":"0","_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":[],"class_list":["post-70599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-finance"],"acf":{"amlak_post_excerpt":"\u0627\u0644\u062e\u0628\u064a\u0631 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