{"id":92274,"date":"2025-11-08T15:23:14","date_gmt":"2025-11-08T12:23:14","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=87489"},"modified":"2025-11-08T15:23:14","modified_gmt":"2025-11-08T12:23:14","slug":"%d8%a7%d9%84%d8%b1%d9%87%d9%86-%d8%a7%d9%84%d8%b9%d9%82%d8%a7%d8%b1%d9%8a-%d9%81%d9%8a-%d8%a7%d9%84%d9%85%d9%85%d9%84%d9%83%d8%a9-%d9%86%d9%85%d9%88-%d9%85%d8%aa%d8%b3%d8%a7%d8%b1%d8%b9-%d9%8a%d8%af","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/92274\/","title":{"rendered":"Mortgage in Saudi Arabia. Accelerating Growth Supports Residential Ownership Goals under Vision 2030"},"content":{"rendered":"

Driven by the expansion of housing finance programs and growing consumer confidence in the Saudi real estate market, the Kingdom's mortgage sector is experiencing accelerated growth through 2025.<\/p>\n

In recent years, the demand for Mortgage<\/a> The Ministry of Municipal Affairs and Housing has launched new programs to finance the purchase of housing units through 2025, including the \u201cMasaer\u201d program, which aims to enable Saudi families to own their homes more easily, by providing financing up to 800,000 riyals with a low down payment.<\/p>\n

Mortgage Loan Increase<\/strong><\/span><\/h4>\n

Total real estate loans to individuals and companies rose to about SAR 922 billion during the first quarter of 2025, an increase of about 15% compared to the same period of the previous year, according to data Saudi Central Bank<\/a> (SAMA), which showed that individual loans represented the largest share of real estate loans with a value of 697 billion riyals, compared to 223 billion riyals for corporate loans.
\nIn January of this year, Saudi banks recorded new real estate loans worth 10.5 billion riyals, an annual increase of more than 39%, with an average loan amounting to 780,000 riyals.<\/p>\n

New financing programs and incentives to support ownership<\/strong><\/span><\/h4>\n

The homeownership rate among citizens rose to 63.7% as of the end of 2023, with the government continuing to work to reach 70% in the next five years, as revealed by Jadwa Investment's February 2025 report.<\/p>\n

The value of residential transactions in the Kingdom rose to SAR 118 billion, up more than 50% year-on-year, as demand for integrated residential projects and major real estate brands increased, according to the Deloitte Middle East report.<\/p>","protected":false},"excerpt":{"rendered":"

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more<\/a><\/p>","protected":false},"author":13,"featured_media":92318,"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-92274","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-finance"],"acf":{"amlak_post_excerpt":"\u0646\u0645\u0648 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0641\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0628\u0646\u0633\u0628\u0629 15% \u0648\u0632\u064a\u0627\u062f\u0629 \u062a\u0645\u0644\u0643 \u0627\u0644\u0645\u0633\u0627\u0643\u0646 \u0625\u0644\u0649 63.7% \u062d\u062a\u0649 \u0646\u0647\u0627\u064a\u0629 2023.","amlak_post_excerpt_source":{"label":"Amlak post 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