{"id":99298,"date":"2026-01-19T12:24:53","date_gmt":"2026-01-19T09:24:53","guid":{"rendered":"https:\/\/amlak.net.sa\/?p=99298"},"modified":"2026-01-19T12:24:54","modified_gmt":"2026-01-19T09:24:54","slug":"%d8%b3%d8%a7%d9%85%d8%a7-%d9%8a%d8%b6%d8%a8%d8%b7-%d8%a5%d9%8a%d9%82%d8%a7%d8%b9-%d8%a7%d9%84%d8%a3%d8%b5%d9%88%d9%84-%d8%a7%d9%84%d8%b9%d9%82%d8%a7%d8%b1%d9%8a%d8%a9-%d9%84%d8%af%d9%89-%d8%a7","status":"publish","type":"post","link":"https:\/\/amlak.net.sa\/en\/99298\/","title":{"rendered":"\u201cSAMA sets the pace for banks\u201d real estate assets. What's in it for the market?"},"content":{"rendered":"<p class=\"wp-block-paragraph\">In a regulatory move aimed at enhancing the flow of real estate assets and protecting the banking sector from the risk of holding non-operational assets, the <a href=\"https:\/\/www.sama.gov.sa\/ar-sa\/Pages\/default.aspx\"><strong>Saudi Central Bank<\/strong><\/a><strong> (SAMA)<\/strong> Strict measures to bind banks <a href=\"https:\/\/amlak.net.sa\/en\/80847\/\" data-type=\"post\" data-id=\"80847\"><strong>Liquidation of real estate<\/strong><\/a> that it has acquired as a result of settling the debts of defaulted customers<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00a0Regular rule: Maximum 3 years<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Based on the Banking Control Law, the Central Bank of Egypt (CBE) has clarified that real estate transferred to banks in fulfillment of debts (and not intended for their headquarters or employees\u201d housing) should not remain in the banks\u201d portfolios for more than <strong>3 <\/strong><strong>years<\/strong>. This article ensures that banks do not turn into \u201creal estate warehouses\u201d and pushes liquidity and assets back into the economic cycle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>&nbsp;<\/strong><strong>Strict governance. No individual exceptions<\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The extension of real estate retention is no longer subject to jurisprudence or individual requests, as the new circular obliges banks to:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Comprehensive annual plans<\/strong><strong>:<\/strong> Submit a liquidation plan within 30 days of the end of each calendar year.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Board Approval<\/strong><strong>:<\/strong> These plans should be subject to internal review and approved by the banks' boards of directors, raising the level of accountability and transparency.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Standardized model<\/strong><strong>:<\/strong> Adhere to specific forms that include only those properties that are nearing the end of their term or those that are required to be extended within the annual plan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What does this mean for the real estate market? <\/strong><strong><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Experts believe that this trend carries positive messages for the real estate market, including:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Increased real estate supply<\/strong><strong>:<\/strong> Incentivizing banks to sell these assets provides the market with diverse real estate (commercial, residential, land) that could be investment opportunities for developers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Stabilization of ratings<\/strong><strong>:<\/strong> Preventing the accumulation of assets at banks contributes to making sales according to real market mechanisms, which supports the stability of real estate valuations.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Focus on Banking<\/strong><strong>:<\/strong> The decision ensures that banks focus on their core activity (finance and banking services) instead of being preoccupied with the management and development of real estate assets that are beyond their competence.<\/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\"> &lt; 1<\/span> <span class=\"rt-label rt-postfix\">Minute<\/span><\/span>In a regulatory move aimed at enhancing the flow of real estate assets and protecting the banking sector from the risks of holding non-operational assets, the Saudi Central Bank (SAMA) has approved strict procedures that oblige banks to liquidate the real estate that came to them as a result of settling the debts of defaulting customers: Maximum of 3 years Based on the Banking Control Law, the Central Bank clarified that real estate ... <a title=\"\u201cSAMA sets the pace for banks\u201d real estate assets. What&#039;s in it for the market?\" class=\"read-more\" href=\"https:\/\/amlak.net.sa\/en\/99298\/\" aria-label=\"Read more about \u201cSama\u201d adjusts the rhythm of real estate assets held by banks. What is the benefit to the market trajectory?\">Read more<\/a><\/p>","protected":false},"author":10,"featured_media":94687,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[{"url":"","title":"","desc":"","thumbnail":"","duration":"","rating":"","view_count":"","tag":""}],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"footnotes":""},"categories":[119],"tags":[],"class_list":["post-99298","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate-finance"],"acf":{"amlak_post_excerpt":"\u062a\u0646\u0638\u064a\u0645 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