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Murabaha Home Financing
A house that your family can call home
Own your home on installments with Murabaha Home Financing product.
Finance up to 5,000,000 Saudi Riyals
Loan term up to
30 years
Available for Government, Semi-Government, and Private Sectors
Use the calculator to know how much you can save with Murabaha Home 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%
APR 55%
Rate 4.75%
Financing amount 1000 SAR
Total Repayment amount 1000 SAR
monthly installment is
SAR 2,730 *
*Subject to terms and conditions.
Features and Benefits
Owning your dream home is now easier
An approved product by the Shariah committee in the form of Murabaha 
Available in fixed pricing and financing with a fixed competitive annual percentage rate 
Available for government, semi-government, and private sectors
Loan to value starts from 85% 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 * Depending on segment type : Maximum 70% LTV for second property.
Eligibility
- Applicant must be a Saudi National
- The applicant must be 21 years old
- Property must be a within the boarders of the Kingdom of Saudi Arabia
- Applicant’s length of service should not be less than 3 months
- Minimum monthly salary of SAR 9,000 for salary transfer customers and SAR 12,000 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
Required Documents
For a better experience, please prepare the following documents:
- The proof pf ownership.
- A copy of building permit, and the building completion certificate.
- A filled and signed seller’s proposal by the property owner.
- A copy of the seller’s valid ID
- Property location sketch.
- Filling the home financing application form.
- A detailed salary slip that includes the allowances “if any”.
- A copy of the valid ID.
- A statement of account for the last 3 months that shows receiving the salary.
Talk to Us
Take a moment to arrange a complimentary consultation with one of our advisors today.
Apply Now
And start enjoying these benefits
Customer Care
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