{"id":80764,"date":"2025-07-21T16:28:56","date_gmt":"2025-07-21T13:28:56","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=80764"},"modified":"2025-11-25T20:54:14","modified_gmt":"2025-11-25T20:54:14","slug":"%d8%a5%d9%86%d9%81%d9%88%d8%ac%d8%b1%d8%a7%d9%81-%d8%b4%d8%b1%d9%88%d8%b7-%d8%a7%d9%84%d8%a7%d8%b3%d8%aa%d9%81%d8%a7%d8%af%d8%a9-%d9%85%d9%86-%d8%a8%d8%b1%d9%86%d8%a7%d9%85%d8%ac-%d8%a7%d9%84%d8%b1","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/80764\/","title":{"rendered":"Infographic: The conditions to benefit from the Affordable Mortgage Program after its 3-year extension"},"content":{"rendered":"<p>The Real Estate Development Fund (REDF) has launched a new initiative to promote access to adequate housing and ease the burdens on citizens.\u201c<strong><a href=\"https:\/\/amlak.net.sa\/en\/80737\/\">Affordable Mortgage Program<\/a><\/strong>\u201cwhich gives beneficiaries of the housing subsidy program a golden opportunity to own their first home with a reduced down payment of only 5%, instead of the 10% required by most financial institutions.<\/p>\n<h4><span style=\"color: #800000;\"><strong>What is the Affordable Mortgage Program?<\/strong><\/span><\/h4>\n<p>The <strong><a href=\"https:\/\/amlak.net.sa\/en\/80749\/\">Affordable Mortgage Program<\/a><\/strong> It is one of the initiatives of the Real Estate Development Fund and targets beneficiaries of the housing subsidy program, as it works to reduce the down payment required to purchase the first home from 10% to 5% only, provided that the price of the housing unit does not exceed 800 thousand riyals.<\/p>\n<h4><span style=\"color: #800000;\"><strong>Program goals<\/strong><\/span><\/h4>\n<p>The launch of <strong><a href=\"https:\/\/amlak.net.sa\/en\/80742\/\">Affordable Mortgage Program<\/a><\/strong> As part of the state's strategy to facilitate housing ownership for citizens, it focuses on two main objectives:<\/p>\n<ul>\n<li>Easing the burden of the down payment, which was an obstacle for many families wishing to own property.<\/li>\n<li>Facilitating the homeownership journey for beneficiaries of the housing subsidy program through additional support that enhances their ability to purchase their first home.<\/li>\n<\/ul>\n<h4><span style=\"color: #800000;\">What residential products are included in the program?<\/span><\/h4>\n<p>The \u201cEasy Mortgage\u201d program is characterized by its comprehensiveness of the various types of housing products available within the housing subsidy, as it includes:<\/p>\n<ul>\n<li>Ready-made housing units: Whether from the ministry's projects or real estate developers.<\/li>\n<li>Residential units under construction: These are those that are purchased as part of off-plan sales projects.<\/li>\n<\/ul>\n<h4><span style=\"color: #800000;\">Conditions to benefit from the program<\/span><\/h4>\n<p>In order to benefit from the Easy Mortgage program, three basic conditions must be met:<\/p>\n<ul>\n<li>The beneficiary must be a beneficiary of the housing support program.<\/li>\n<li>The property must be the beneficiary's first home.<\/li>\n<li>The price of the property should not exceed 800 thousand riyals.<\/li>\n<\/ul>\n<h4><span style=\"color: #800000;\"><strong>The importance of the program in supporting homeownership<\/strong><\/span><\/h4>\n<p>The down payment is one of the biggest challenges facing citizens who want to buy a home, especially for those who do not have sufficient savings. The \u201csoft mortgage\u201d comes to fill this gap, contributing to raising the rate of home ownership, which is one of the goals of Saudi Vision 2030.<\/p>\n<h4><span style=\"color: #800000;\">Government support promotes family stability<\/span><\/h4>\n<p>By offering flexible financing solutions, such as reducing the down payment to 5%, the program contributes to:<\/p>\n<ul>\n<li>Reduce the amount of time it takes for a citizen to make a down payment.<\/li>\n<li>Raising the ownership rate for Saudi households.<\/li>\n<li>Providing a stable residential environment that enhances the quality of life.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/amlak.net.sa\/wp-content\/uploads\/2025\/07\/Gv6mc8QW4AAtTAU.jpg\"><img alt=\"\" loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-80750\" src=\"https:\/\/amlak.net.sa\/wp-content\/uploads\/2025\/07\/Gv6mc8QW4AAtTAU.jpg\" width=\"1152\" height=\"2048\" srcset=\"https:\/\/amlak.net.sa\/wp-content\/uploads\/2025\/07\/Gv6mc8QW4AAtTAU.jpg 1152w, https:\/\/amlak.net.sa\/wp-content\/uploads\/2025\/07\/Gv6mc8QW4AAtTAU-169x300.jpg 169w, https:\/\/amlak.net.sa\/wp-content\/uploads\/2025\/07\/Gv6mc8QW4AAtTAU-576x1024.jpg 576w, https:\/\/amlak.net.sa\/wp-content\/uploads\/2025\/07\/Gv6mc8QW4AAtTAU-768x1365.jpg 768w, https:\/\/amlak.net.sa\/wp-content\/uploads\/2025\/07\/Gv6mc8QW4AAtTAU-864x1536.jpg 864w\" sizes=\"auto, (max-width: 1152px) 100vw, 1152px\" \/><\/a><\/p>","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading time: <\/span> <span class=\"rt-time\"> 2<\/span> <span class=\"rt-label rt-postfix\">Minutes<\/span><\/span>In a new step that promotes access to adequate housing and eases the burdens on citizens, the Real Estate Development Fund (REDF) launched the \u201cEasy Mortgage Program\u201c, which gives beneficiaries of the housing support program a golden opportunity to own their first home with a reduced down payment of only 5%, instead of the 10% required by most financing agencies. What is the Affordable Mortgage Program? The Affordable Mortgage Program is... <a title=\"Infographic: The conditions to benefit from the Affordable Mortgage Program after its 3-year extension\" class=\"read-more\" href=\"https:\/\/amlak.net.sa\/en\/80764\/\" aria-label=\"Read more about \u0625\u0646\u0641\u0648\u062c\u0631\u0627\u0641| \u0634\u0631\u0648\u0637 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0628\u0631\u0646\u0627\u0645\u062c \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0627\u0644\u0645\u064a\u0633\u0631 \u0628\u0639\u062f \u062a\u0645\u062f\u064a\u062f\u0647 3 \u0633\u0646\u0648\u0627\u062a\">Read more<\/a><\/p>","protected":false},"author":27,"featured_media":80750,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"0","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[119],"tags":[],"class_list":["post-80764","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-finance"],"acf":{"amlak_post_excerpt":"\u064a\u062e\u0641\u0636 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629 \u0627\u0644\u062f\u0641\u0639\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0625\u0644\u0649 5% \u0644\u0644\u0645\u0633\u062a\u0641\u064a\u062f\u064a\u0646 \u0645\u0646 \u0627\u0644\u062f\u0639\u0645 \u0627\u0644\u0633\u0643\u0646\u064a \u0639\u0644\u0649 \u0648\u062d\u062f\u0627\u062a \u062d\u062a\u0649 800 \u0623\u0644\u0641 \u0631\u064a\u0627\u0644","amlak_post_excerpt_source":{"label":"Amlak post excerpt","type":"text","formatted_value":"\u064a\u062e\u0641\u0636 \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u062a\u0646\u0645\u064a\u0629 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629 \u0627\u0644\u062f\u0641\u0639\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0625\u0644\u0649 5% \u0644\u0644\u0645\u0633\u062a\u0641\u064a\u062f\u064a\u0646 \u0645\u0646 \u0627\u0644\u062f\u0639\u0645 \u0627\u0644\u0633\u0643\u0646\u064a \u0639\u0644\u0649 \u0648\u062d\u062f\u0627\u062a \u062d\u062a\u0649 800 \u0623\u0644\u0641 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\u0639\u0642\u0627\u0631\u064a","comment_count":"0","_links":{"self":[{"href":"https:\/\/amlak.net.sa\/en\/wp-json\/wp\/v2\/posts\/80764","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/amlak.net.sa\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/amlak.net.sa\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/amlak.net.sa\/en\/wp-json\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/amlak.net.sa\/en\/wp-json\/wp\/v2\/comments?post=80764"}],"version-history":[{"count":0,"href":"https:\/\/amlak.net.sa\/en\/wp-json\/wp\/v2\/posts\/80764\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/amlak.net.sa\/en\/wp-json\/wp\/v2\/media\/80750"}],"wp:attachment":[{"href":"https:\/\/amlak.net.sa\/en\/wp-json\/wp\/v2\/media?parent=80764"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/amlak.net.sa\/en\/wp-json\/wp\/v2\/categories?post=80764"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/amlak.net.sa\/en\/wp-json\/wp\/v2\/tags?post=80764"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}