As of January 2026, the Saudi real estate sector will enter a new regulatory phase with the implementation of the Non-Saudi Real Estate Ownership System, in a move that reflects the Kingdom's direction towards enhancing the attractiveness of foreign investment and developing the real estate market within a balanced framework that preserves national interests. This system is seen as one of the future drivers to reshape the supply and demand map, raise the efficiency of the sector, and support economic growth targets.<\/p>\n
In July, the Ministry of Municipalities and Housing revealed the details of the real estate ownership system for non-Saudis, confirming that it comes as an extension of real estate legislation aimed at developing the sector and enhancing its role in attracting foreign direct investment. According to the ministry, the system is expected to contribute to increasing the real estate supply by attracting foreign investors and real estate development companies, supporting the diversification of the national economy and increasing the contribution of the real estate sector to the GDP.<\/p>\n
In terms of the expected effects on the market, the opening of ownership to foreigners within specific geographical areas, especially in the cities of Riyadh and Jeddah, is likely to revitalize the investment movement and increase liquidity levels in the market. It may also contribute to the development of quality real estate projects, improve the quality of residential and commercial products, strengthen partnerships between local and international developers, and transfer international expertise to the Saudi market.<\/p>\n
Mohammed Almimouni, a financial advisor at Arab Trader, said that Non-Saudis owning real estate<\/a><\/strong>\u00a0Within the Kingdom, it will transform the real estate market and reflect positively on many related economic sectors, including the stock market, real estate development companies, and banks.<\/p>\n Speaking to Al Sharq, Maimouni explained that the decision would ignite competition among real estate companies by accelerating the pace of development of residential units and offering more diverse and quality products to meet the new demand expected from foreign investors.<\/p>\n Expanding the investor base will open new horizons for real estate development companies and boost sales, he said, adding that the new system will lead to a rise in demand for raw land, prompting companies to expand into new projects in and around major cities.<\/p>\n With regard to the financial sector, Almimouni expected Saudi banks to witness significant growth in their portfolios.\u00a0Real estate finance<\/a>\u00a0<\/strong>and personal, driven by the increasing appetite of foreigners to buy real estate in Saudi Arabia, which is a major boost for the finance sector in general.<\/p>\n On the other hand, the Ministry of Municipalities and Housing emphasized that the updated system took into account national interests through clear mechanisms to control the market and prevent any potential imbalances. This includes defining geographical ranges for ownership and setting special requirements for owning real estate in Mecca and Medina, due to their religious and social specificity, in order to maintain social balance and real estate stability.<\/p>\n The General Real Estate Authority will be tasked with proposing the geographical areas where non-Saudis are allowed to own real estate or acquire in-kind rights over it. Executive Regulations of the Real Estate Ownership Law for Non-Saudis<\/a><\/strong> 15 articles covering the procedural, supervisory and organizational aspects of non-Saudis owning real estate in the Kingdom, whether they are individuals, companies or non-profit entities. Among the most prominent of these articles are Determining the procedures to be followed by non-Saudis to own real estate of various types within the Kingdom, imposing a fee on the disposal of the property by non-Saudis to ensure justice and achieve economic interest, and including a table that categorizes violations of the provisions of the law and its executive regulations, with the associated penalties, which enhances oversight and regulation in this sector.<\/p>\n The regulation aims to establish a clear legal framework that ensures the transparency of real estate transactions and limits violations, while encouraging foreign investments according to thoughtful controls that serve the urban and economic development in the Kingdom.<\/p>\n The Ministry emphasized that the system is in harmony with the provisions of the privileged residency system, as well as the regulation of ownership of real estate by GCC nationals within member states for housing or investment purposes, in addition to its compatibility with other applicable regulations, which enhances the clarity of the legislative environment and increases investor confidence.<\/p>\n In terms of long-term implications, the system is expected to contribute to enhancing the stability of the real estate market and reducing uncontrolled speculation, while ensuring that foreign ownership does not affect the ability of citizens to own property. This comes as part of a broader Saudi approach to create an advanced real estate environment based on responsible regulation that balances investment openness and the protection of the highest national interest, supporting a more mature and competitive real estate sector in the coming years.<\/p>","protected":false},"excerpt":{"rendered":" Reading time: <\/span> 3<\/span> Minutes<\/span><\/span>\u0627\u0628\u062a\u062f\u0627\u0621\u064b \u0645\u0646 \u064a\u0646\u0627\u064a\u0631 2026\u060c \u064a\u062f\u062e\u0644 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a \u0645\u0631\u062d\u0644\u0629 \u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 \u0645\u0639 \u0628\u062f\u0621 \u062a\u0637\u0628\u064a\u0642 \u0646\u0638\u0627\u0645 \u062a\u0645\u0644\u0643 \u063a\u064a\u0631 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u064a\u0646 \u0644\u0644\u0639\u0642\u0627\u0631\u060c \u0641\u064a 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geographic ranges for ownership\u00a0<\/strong><\/h3>\n