{"id":75357,"date":"2025-03-06T11:00:37","date_gmt":"2025-03-06T08:00:37","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=75357"},"modified":"2025-11-25T23:16:34","modified_gmt":"2025-11-25T23:16:34","slug":"6-%d9%86%d8%b5%d8%a7%d8%a6%d8%ad-%d9%84%d8%aa%d8%ac%d9%86%d8%a8-%d8%a7%d9%84%d9%85%d8%ae%d8%a7%d8%b7%d8%b1-%d8%a7%d9%84%d9%85%d8%a7%d9%84%d9%8a%d8%a9-%d9%82%d8%a8%d9%84-%d8%aa%d9%88%d9%82%d9%8a%d8%b9","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/75357\/","title":{"rendered":"6 tips to avoid financial risks before signing a mortgage contract"},"content":{"rendered":"

Real estate consultant Matar Al-Shammari has issued a set of important tips and guidelines for individuals who are about to sign contracts Funding<\/a> <\/strong>He stressed that making this decision requires careful study of all the financial details associated with it, to avoid falling into a spiral of debt and heavy financial burdens that may affect the individual's financial stability.<\/p>\n

Al-Shammari stressed that the first step that should be taken before applying for personal finance is to determine the actual need for the required amount, without resorting to the upper limit provided by the bank or financing entity. He explained that obtaining amounts that exceed the real need entails high interest rates that are added to the monthly obligations, which ultimately leads to financial burdens that may be difficult to deal with in the future.<\/p>\n

Regarding the repayment period, Al-Shammari emphasized that the ideal period to repay Funding<\/a> <\/strong>The personal loan should not exceed three years, explaining that extending for longer periods significantly increases the cost of financing, straining an individual's budget and limiting their ability to achieve financial stability in the future.<\/p>\n

The real estate consultant also pointed out the importance of reviewing all the details of the contract Funding<\/a> before signing, both in terms of the total financing amount and the annual percentage rate (APR), as well as the monthly installment amount and the exact repayment dates. Al-Shammari did not neglect to mention the importance of ascertaining all administrative fees imposed by the financing entity, and the need to check for any additional fees that may be charged to the customer during the repayment period.<\/p>\n

To ensure the best financing terms, Al-Shammari advised comparing offers from more than one bank or financial institution, explaining that reviewing at least six offers gives the borrower the opportunity to choose the most suitable offer in terms of profit percentage, repayment period and additional conditions.<\/p>\n

As part of educating individuals on the nature of personal finance, Al-Shammari stressed the importance of knowing the type of financing before signing, whether it is Murabaha financing or Tawarruq financing, noting that the execution mechanism may affect the final amount the customer receives. He also called for the need to review the terms of the life insurance associated with the finance contract, to ensure that the customer knows his rights in the event of a health or employment emergency.<\/p>\n

Al-Shammari also cautioned against refinancing soon after obtaining a loan, as this can have a negative impact on an individual's financial obligations, especially with the possibility of incurring additional profits in the event of early repayment, which in some cases can amount to an additional three months' profits. He also warned that personal loans without a salary transfer are usually more expensive compared to those that require a salary transfer directly to the financing entity.<\/p>\n

In conclusion, Al-Shammari emphasized that making well-considered financing decisions is the cornerstone of maximizing the benefits of personal finance without falling into the trap of burdensome debts, stressing the importance of promoting financial literacy among individuals to ensure that they are able to manage their financial obligations in proportion to their monthly income and the nature of their actual needs.<\/p>","protected":false},"excerpt":{"rendered":"

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