{"id":78712,"date":"2025-05-29T17:28:04","date_gmt":"2025-05-29T14:28:04","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=78712"},"modified":"2025-11-25T21:49:11","modified_gmt":"2025-11-25T21:49:11","slug":"%d8%a7%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-%d9%81%d9%8a-%d8%a3%d8%a8%d8%b1%d9%8a%d9%84-%d8%a7%d9%84%d9%81%d9%84%d9%84-%d8%aa%d9%82%d9%88%d8%af-%d8%a7%d9%84","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/78712\/","title":{"rendered":"Real Estate Finance in April. Villas lead the monthly decline and apartments the highest year-on-year growth"},"content":{"rendered":"

Despite positive indicators on an annual basis, it recorded Real estate finance<\/a><\/strong> New residential mortgages granted by banks to individuals in the Kingdom saw a notable monthly decline of 25% by the end of April 2025, compared to March of the same year, clearly reflecting recent fluctuations in demand for real estate products.<\/p>\n

According to the monthly statistical bulletin issued by Saudi Central Bank<\/a> \u201cSAMA\u201d<\/strong>, the total amounted to Real estate finance<\/a> <\/strong>New residential housing for individuals stood at approximately 6.297 billion riyals at the end of April, compared to 8.399 billion riyals in March, representing a decline of more than 2.1 billion riyals in just one month.<\/p>\n

This decline was the result of a decrease in financing across various types of real estate products, as financing for residential villas fell from 5.186 billion riyals in March to 3.930 billion riyals in April, Financing for residential apartments also fell from 2.798 billion riyals to 2.064 billion riyals, and the residential land sector saw a decline from 415 million riyals to 304 million riyals during the same period.<\/p>\n

Annual Performance Reflects Recovery<\/strong><\/span><\/h4>\n

Despite the monthly decline, the report revealed a notable improvement in performance on a year-over-year basis, with total mortgage financing rising to 6.297 billion riyals by the end of April 2025, compared to 5.341 billion riyals in April 2024, marking an estimated annual growth of more than 956 million riyals.<\/p>\n

The year-over-year growth was driven by an increase in financing across nearly all sectors, with financing for villas reaching 3.930 billion riyals, compared to 3.681 billion riyals in April of last year, Residential apartments saw a significant jump in financing, reaching 2.064 billion riyals compared to 1.389 billion riyals in the same month of 2024, while land financing rose from 270 million riyals to 304 million riyals.<\/p>\n

Mortgage Loans Rise Quarter-Over-Quarter and Year-Over-Year<\/strong><\/span><\/h4>\n

In a related development, official data showed a 4.4% increase in total mortgage loans extended by commercial banks during the first quarter of 2025 compared to the fourth quarter of 2024, with the value of these loans reaching 922.198 billion riyals, up from 883.279 billion riyals, an increase of 38.919 billion riyals.<\/p>\n

According to reports, these loans were divided into two main categories: the first was for individuals, where the amount rose from 681.240 billion riyals to 698.760 billion riyals, and the second for companies, which grew from 202.038 billion riyals to 223.438 billion riyals, reflecting the business sector\u2019s growing interest in investing in the real estate market.<\/p>\n

On a year-over-year basis, total mortgage loans rose significantly compared to the first quarter of 2024, when the total stood at 800.445 billion riyals. This means that the sector achieved annual growth of approximately 121.7 billion riyals. Retail loans led this growth, jumping from 625.240 billion riyals to 698.760 billion riyals, while corporate loans rose from 175.225 billion riyals to 223.438 billion riyals.<\/p>\n

An Analysis of the Real Estate Market<\/strong><\/span><\/h4>\n

These figures reveal a complex real estate landscape; while the residential sector is experiencing a temporary slowdown in the pace of monthly financing, while annual performance is showing a gradual and clear improvement. This reflects the resilience of the Kingdom\u2019s real estate market and its responsiveness to economic factors and the financing policies implemented by banks and relevant institutions.<\/p>\n

The monthly decline can be attributed to a range of potential factors, most notably changes in interest rates and banks\u2019 precautionary policies, in addition to seasonal factors and shifts in consumer purchasing behavior. Conversely, the sustained annual growth reflects a state of confidence and relative stability in the sector, particularly with the expansion of financing options and the development of digital systems related to the issuance of licenses and approvals.<\/p>\n

Will growth continue, or will there be another downturn?<\/strong><\/span><\/h4>\n

With monthly performance fluctuating and annual growth remaining steady, the question remains open as to where the market is headed in the second half of 2025, and whether the current downturn represents a temporary blip or the beginning of a broader shift in demand. Nevertheless, long-term indicators confirm that the Kingdom\u2019s real estate market continues to expand, supported by Saudi Vision 2030, which aims to increase homeownership among citizens, strengthen partnerships with the private sector, and develop real estate and financing products.<\/p>\n

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Reading time: <\/span> 2<\/span> Minutes<\/span><\/span>Despite positive indicators at the annual level, new residential real estate financing granted by banks to individuals in the Kingdom recorded a remarkable monthly decrease of 25% by the end of April 2025, compared to March of the same year, in a clear reflection of the fluctuations in demand for real estate products during the recent period. According to the monthly statistical bulletin issued by the Saudi Central Bank (SAMA), the total financing ... 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