{"id":88598,"date":"2025-11-22T11:56:29","date_gmt":"2025-11-22T08:56:29","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=88598"},"modified":"2025-11-22T11:56:29","modified_gmt":"2025-11-22T08:56:29","slug":"%d8%a8%d8%a7%d9%84%d8%a3%d8%b1%d9%82%d8%a7%d9%85-%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-%d8%a7%d9%84%d8%b4%d8%ae%d8%b5%d9%8a-%d8%a8%d8%a7%d9%84%d8%b3","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/88598\/","title":{"rendered":"By the Numbers. Personal real estate finance in Saudi Arabia is set to surge in 2025"},"content":{"rendered":"

Saudi Arabia's retail real estate finance sector has recorded a significant rise this year, in line with the expansion of lending by banks, as well as government programs to support home ownership.<\/p>\n

New housing finance growth<\/strong><\/span><\/h4>\n

Data released by the Saudi Central Bank (SAMA) confirmed that the residential real estate finance sector for individuals in Saudi Arabia witnessed remarkable growth during the first quarter of 2025, after the value of new financing reached 36.2 billion riyals, recording an increase of nearly 20% compared to the same period last year, while the number of new housing finance contracts rose to 28,477 contracts, which reflects the remarkable increase in demand for residential ownership solutions, especially in major cities that witness rapid urban activity.<\/p>\n

An improvement that reinforces the uptrend<\/strong><\/span><\/p>\n

The data showed that the value of financing recorded a strong performance during the month of April, as the value of new housing finance for individuals amounted to 6.3 billion riyals, up about 18% year-on-year, while the number of contracts during the month reached 8,200 contracts, in conjunction with the high demand for ready-made housing units and modern projects.<\/p>\n

Annual data indicates that the total residential real estate financing for individuals during 2024 amounted to SAR 91.1 billion, with a growth rate of 17% compared to 2023, which is the highest levels in recent years, which confirms the continued expansion of the sector and the high lending capacity of banks.<\/p>\n

Villas top financing options<\/strong><\/span><\/p>\n

Some economic reports indicate that villas accounted for the largest share of the volume of financing during March 2025 with a value equivalent to 5.18 billion riyals, followed by apartments worth 2.8 billion riyals, then land worth 415 million riyals, and these figures confirm a change in the orientation of families towards ready-made housing, and a recovery in major housing projects.<\/p>\n

Despite the strong growth witnessed by the sector, the data showed a relative decline in performance during some months, explaining that real estate financing for individuals decreased in May 2025 to 7.4 billion riyals compared to the same period a year ago, reflecting the possibility of the market being affected by lending controls or demand fluctuations, as some specialists believe that this fluctuation is a natural part of the market cycle, but the general trend still indicates stable growth.<\/p>\n

Future outlook for the sector<\/strong><\/span><\/p>\n

Analysts expect retail mortgage growth to continue through 2025 as government housing subsidy programs continue, banks expand the availability of financing products, and the supply of new housing projects increases, and the sector is expected to maintain a balanced pace of growth, with the possibility of new regulatory controls aimed at enhancing the quality of lending without affecting the movement of ownership.<\/p>","protected":false},"excerpt":{"rendered":"

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