Saudi Home Finance (Mortgage) Calculator Widget
See an illustrative monthly payment on a Saudi home finance at the annual percentage rate you enter, and check the deal against SAMA's stated limits: 90% finance for a citizen's first home, 70% or 85% for later homes, and the debt-burden ceilings for your income band.
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How it works
Two sets of SAMA rules shape a Saudi home finance. The finance-to-value limit caps the amount: up to 90% of the value of a Saudi citizen's first home, and for a second home or later 70% from a bank or 85% from a real estate finance company - the Arabic text of SAMA's 2018 circular settles who each figure applies to. The Responsible Lending Principles then cap the burden: instalments deducted from salary may not exceed 33.33% of gross salary (25% for retirees), and for incomes up to SAR 15,000 all obligations may not exceed 55% of income (65% for Ministry of Housing or REDF support beneficiaries), rising to 65% for incomes between SAR 15,000 and 25,000; above that the lender's own policy sets the total. Income counts gross salary plus half of other regular income. The payment uses the standard reducing-balance formula at the rate you enter; A2Z shows no lender rates, and the result is an illustration, never an offer or an approval.
Calculation method
- Finance = price - down payment; limit = price x LTV (90% / 70% / 85%)
- Monthly payment = reducing-balance instalment at the APR entered over the term
- Debt burden = (this payment + other instalments) / (salary + 50% of other income)
- Checked against the salary-deduction limit and the band limit for the income
Worked examples
First home at 90%
Inputs: Price SAR 1,000,000; down SAR 100,000
Result: Finance SAR 900,000 - within the 90% limit
Second home from a bank
Inputs: Price SAR 1,000,000; down SAR 100,000
Result: Above the 70% limit - at least SAR 300,000 down is needed
An illustration and a regulatory-limit check, not a finance offer. Each lender decides eligibility, rate and term.
Limitations
- Rates, fees, insurance and the lender's own credit policy are not included - the result is illustrative.
- The 95% subsidised-finance route is not shown: no SAMA text for it was found.
- Variable-rate stress margins required by SAMA for floating-rate finance are not applied.
Where publishers use it
- A developer's off-plan sales page with an indicative payment beside each unit
- A mortgage adviser's first-meeting tool for Saudi families
- A personal-finance blog explaining SAMA's 90% first-home rule
- A Tabuk family comparing bank and finance-company second-home limits
- A Riyadh developer quoting off-plan payments
Questions
How much can I finance for a home in Saudi Arabia?
Up to 90% of the value of a Saudi citizen's first home. For a second home or later, banks may finance up to 70% and real estate finance companies up to 85% (SAMA Circular 391000048362).
What debt burden ratio does SAMA allow for a mortgage?
For income up to SAR 15,000, all obligations up to 55% of income (65% for housing-support beneficiaries); between SAR 15,000 and 25,000, up to 65%; from SAR 25,000 the lender's policy applies. Salary-deducted instalments are capped at 33.33% in every band.
What is the maximum mortgage term in Saudi Arabia?
SAMA's lending principles set no maximum term for real estate finance - the 60-month cap applies to consumer finance only - so the term is the lender's decision, commonly up to 25 or 30 years.
Is this an Islamic finance calculation?
It shows the payment and total cost of a level-instalment finance at the annual percentage rate entered. Murabaha and ijara home finance are priced this way in disclosures, but contract structures and fees vary.
Rules and official sources
Every legal or regulatory figure this widget uses is listed here, with the official page it was read from. The widget reads them from A2Z's rule file for Saudi Arabia; when a rule changes, the widget changes with it.
| Rule | Official source | In force from | Last verified | Next review |
|---|---|---|---|---|
| Maximum real estate finance-to-value A Saudi citizen's first home: up to 90% of the value (banks and real estate finance companies). Second home and beyond, all beneficiaries: banks 70%, real estate finance companies 85%. Source A (English circular): "70% and 85% for the second home and beyond, respectively" - ambiguous. Source B (Arabic circular, and the Rulebook note on IR Art. 11): banks 70%, finance companies 85%. Resolution: the Arabic text prevails. No SAMA maximum mortgage term was found: the term is the lender's. |
SAMA Circular 391000048362 (14/01/2018); Real Estate Finance Law Implementing Regulation Art. 11 Saudi Central Bank (SAMA Rulebook) - Circular 391000048362 (in force) |
14 Jan 2018 | 7 Oct 2026 | 5 Apr 2027 |
| Income counted for debt burden Total monthly income = gross salary (or pension) + 50% of the monthly average of other periodic income evidenced over two years (para 14). Citizen Account and social security support are excluded; MoMAH/REDF housing support counts for real estate products only. A credit card counts at its minimum repayment; unequal instalments, including a final balloon payment, count at their monthly average (para 13). |
Responsible Lending Principles for Individual Customers, Chapter IV Saudi Central Bank (SAMA Rulebook) - Paras. 13 and 14 |
12 Aug 2018 | 7 Oct 2026 | 5 Apr 2027 |
| Instalments deducted from salary Instalments deducted from salary may not exceed 33.33% of gross salary for employees and 25% for retirees, in every income band. |
Responsible Lending Principles for Individual Customers, Chapter IV Saudi Central Bank (SAMA Rulebook) - Paras. 15(a), 16(a), 17(a) |
12 Aug 2018 | 7 Oct 2026 | 5 Apr 2027 |
| Debt burden limits by income band Income up to SAR 15,000: obligations other than home finance up to 45% of income; all obligations up to 55%, or 65% for Ministry of Housing / REDF support beneficiaries on home-finance products. Over SAR 15,000 and under 25,000: 45% and 65%. SAR 25,000 and above: only the salary-deduction limit is fixed; the total is set by the lender's policy. |
Responsible Lending Principles for Individual Customers, Chapter IV (amended by Circular 406940000001) Saudi Central Bank (SAMA Rulebook) - Paras. 15(b)-(c), 16(b)-(c), 17 |
12 Aug 2018 | 7 Oct 2026 | 5 Apr 2027 |
Sources
- SAMA Circular 391000048362 (14/01/2018); Real Estate Finance Law Implementing Regulation Art. 11 - Saudi Central Bank (SAMA Rulebook) . Circular 391000048362 (in force). Verified 2026-10-07.
- Responsible Lending Principles for Individual Customers, Chapter IV - Saudi Central Bank (SAMA Rulebook) . Paras. 13 and 14. Verified 2026-10-07.
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A2Z Tools Saudi Home Finance (Mortgage) Calculator https://a2z.tools/embed/saudi-real-estate-finance-calculator
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Saudi Home Finance (Mortgage) Calculator by A2Z Tools - https://a2z.tools/embed/saudi-real-estate-finance-calculator
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