{"id":98385,"date":"2026-01-05T16:59:01","date_gmt":"2026-01-05T13:59:01","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=98385"},"modified":"2026-01-06T14:32:47","modified_gmt":"2026-01-06T11:32:47","slug":"%d8%a7%d9%84%d8%b3%d9%88%d9%82-%d8%a7%d9%84%d8%b9%d9%82%d8%a7%d8%b1%d9%8a-%d8%aa%d8%ad%d8%aa-%d8%a7%d9%84%d9%85%d8%ac%d9%87%d8%b1-%d8%aa%d8%a8%d8%a7%d8%b7%d8%a4-%d8%a7%d9%84%d8%aa%d9%85%d9%88%d9%8a","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/98385\/","title":{"rendered":"The real estate market under scrutiny Housing Finance Slowdown Despite Strong Banking Sector"},"content":{"rendered":"<p>Despite the continued strength of the Saudi banking sector, the latest analysis reveals <strong><a href=\"https:\/\/alrajhi-capital.sa\/ar\">Al Rajhi Financial Corporation<\/a><\/strong> on clear signs of a slowdown in activity. <strong><a href=\"https:\/\/amlak.net.sa\/en\/90157\/\">Real estate finance<\/a><\/strong>This raises important questions about the course of the real estate market during the coming period, especially in light of the decline in mortgage loans and the change in lending behavior and housing demand.<\/p>\n\n\n\n<p>The robustness of Saudi banks' earnings does not necessarily reflect a similar momentum in the real estate finance market, as housing and mortgage-related loans saw a notable slowdown during the final months of 2025, amid funding pressures and changes in demand.<\/p>\n\n\n\n<p>According to the report, bank credit growth slowed in November, which was directly reflected in real estate loans, which came under the category of personal loans. While there was limited monthly growth in this type of loan, annualized rates remained weak, indicating growing caution from banks and borrowers alike.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Mortgage Loans Decline<\/strong><\/h2>\n\n\n\n<p>Mortgage loans declined for the fourth consecutive month, reaching SAR 5.4 billion, a monthly and annual decrease, a level well below the annual average of SAR 8.6 billion. The decline reflects a sluggish demand for housing finance, whether as a result of higher borrowing costs or the postponement of purchase decisions by individuals and investors.<\/p>\n\n\n\n<p>On the other hand, the report showed that the stability of bank deposits, especially time deposits, enhances the ability of banks to continue financing the real estate sector in the medium term, but the direction of this liquidity is still subject to risk and return assessment, in light of the slowdown in the movement of real estate loans compared to previous years.<\/p>\n\n\n\n<p>The decline in consumer spending and the change in people's priorities have also contributed to the slowdown in real estate demand, especially in the loan-financed housing market, forcing real estate developers to reassess their pricing and offering strategies and rely more on flexible financing solutions.<\/p>\n\n\n\n<p>While Saudi banks remain in a strong financial position, current real estate financing indicators reflect a transitional phase in the real estate market, characterized by caution and anticipation, waiting for new stimuli that may restore momentum to mortgage loans, whether by reducing financing costs or launching support programs that boost housing demand during the coming period.<\/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>Despite the continued strength of the Saudi banking sector, Al Rajhi Financial's latest analysis reveals clear signs of a slowdown in real estate financing activity, raising important questions about the path of the real estate market in the coming period, especially in light of the decline in mortgage loans and the change in lending behavior and residential demand. Al Rajhi Financial said that the robustness of Saudi banks' profits does not necessarily reflect ... <a title=\"The real estate market under scrutiny Housing Finance Slowdown Despite Strong Banking Sector\" class=\"read-more\" href=\"https:\/\/amlak.net.sa\/en\/98385\/\" aria-label=\"Read more about \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u062a\u062d\u062a \u0627\u0644\u0645\u062c\u0647\u0631.. \u062a\u0628\u0627\u0637\u0624 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0633\u0643\u0646\u064a \u0631\u063a\u0645 \u0645\u062a\u0627\u0646\u0629 \u0627\u0644\u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u0635\u0631\u0641\u064a\">Read more<\/a><\/p>","protected":false},"author":27,"featured_media":95740,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"categories":[119],"tags":[10223,10221,10222],"class_list":["post-98385","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-finance","tag-10223","tag-10221","tag-10222"],"acf":{"amlak_post_excerpt":"\u062a\u0642\u0631\u064a\u0631 \u0645\u062a\u062e\u0635\u0635\u0629 \u062a\u0631\u0635\u062f \u062a\u0631\u0627\u062c\u0639\u064b\u0627 \u0645\u062a\u0648\u0627\u0635\u0644\u064b\u0627 \u0641\u064a \u0642\u0631\u0648\u0636 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0648\u062a\u0628\u0627\u0637\u0624 \u0646\u0645\u0648 \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646 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