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Ijarah Home Financing for KSA Nationals
Owning your dream home is now easier
Finance up to 5,000,000 Saudi Riyals
Loan term up to
30 years
Available for Salary Transfer, Non-Salary Transfer
Own your dream home with ease and comfort within Riyadh, Jeddah
Emirates NBD is pleased to announce the launch of 'Ijarah', a mortgage product which helps Saudi Nationals to own their dream home with ease and comfort.
See how much you can save with IjarahHome Financing
Property Value SAR
SAR 300,000 SAR 5,000,000
Tenor Years
5 year 30 years
Salary SAR
SAR 1,000 SAR 100,000
Down Payment %
10% 90%
Existing commitments - Financing (Total EMI) SAR
SAR 1,000 SAR 500,000
Existing commitments - Credit Cards (Total Limit) SAR
SAR 1,000 SAR 500,000
* Interest rates vary by tenor & subject to bank policy
1. Salary Assigned ?
Yes2. Approved Employer?
Yes3. First Property?
YesMaximum DBR 55%
Other products DBR 55%
Available DBR 55%
Mortgage DBR 55%
Rate 4.75%
Financing amount 1000 SAR
Total Repayment amount 1000 SAR
monthly installment is
SAR 2,730 *
You’ll also get a FREE Entertainer booklet and a Cheque Book!
*Subject to terms and conditions.
Features and Benefits
Owning your dream home is now easier
Home financing product with a promise to grant property 
Available in fixed or variable* pricing 
Available for Salary Transfer, Non-Salary Transfer and Self-employed customers
Loan to value starts from 70% up to 90%** 
Maximum financing amount up to 5,000,000 Saudi Riyals 
Financing period up to 30 years 
Waiver of outstanding amount in case of death or permanent disability, God forbid 
Fast and easy processing 
Shariah compliant 
Competitive annual percentage rate * Fixed rate offered for first 2 years. Thereafter, 1 year SAIBOR + margin. E.g.
300bps
* * Depending on segment type : Maximum 70% LTV for second property.
Eligibility
- Applicant must be a Saudi National
- Property must be a fully completed Villa/Apartment within Riyadh, Jeddah and Eastern Province
- The applicant must be 21 years old when applying, and not more than 60 years old at financing maturity
- Applicant’s length of service should not be less than 6 months
- Minimum monthly salary of SAR 12,000 for salary transfer customers and SAR 15,000 for non- salary transfer customers
Example:For a home financing of SAR 1,000,000 over 20 years, the APR will be 7.22% and the monthly installment would be SAR 7,750. In case of early settlement, 3 following months profit will be charged. Management fee of 1% from financed amount or capped at SAR 5,000 whichever is lower (including evaluation fee).
Terms and conditions apply
Talk to Us
Take a moment to arrange a complementary consultation with one of our advisors today.
Apply Now
And start enjoying these benefits
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