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Saudi Home Loan Calculator 2026

Estimate your monthly home finance installment in Saudi Arabia, the down payment required under SAMA's LTV limits, and total cost over the term.

SAMA allows up to 90% LTV for citizens buying a first home; other cases commonly 85% or lower.
SAR 0 monthly installment
Max LTV—
Minimum down payment—
Loan amount—
Total payable over term—
Total profit / interest—

In short

SAMA allows Saudi citizens to borrow up to 90% of the value of a first home, so the minimum down payment is 10%. Most Saudi home finance is structured as Islamic murabaha or ijara, with the monthly instalment calculated on a standard amortisation basis.

Who this is for: Buyers in Saudi Arabia estimating a home finance installment and the down payment required.

Not tax or legal advice. This is an amortisation estimate using SAMA's published LTV ceiling. Banks apply their own eligibility, fees and rates; confirm with the bank before committing.
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Saudi home finance basics

Home finance in Saudi Arabia is usually structured as Islamic murabaha or ijara rather than a conventional loan, but the monthly installment is computed with the same amortisation formula used here. Two figures matter most:

  • LTV cap: SAMA raised the maximum loan-to-value for Saudi citizens buying a first home to 90% in 2018, meaning a 10% down payment. Other cases — second homes, investors, some expat products — commonly face 85% or lower, at the bank's discretion.
  • Profit rate: most products are fixed for the term or repriced periodically against SAIBOR. Enter the all-in annual rate your bank quotes.

Subsidised programmes through the Real Estate Development Fund (REDF) and Sakani can cover part of the profit for eligible citizens — not modelled here.

See also: Saudi Iqama Renewal & Expat Levy Calculator.

Source: SAMA announcement raising first-home LTV to 90% (Argaam, Jan 2018); SAMA Rulebook.

Assumptions

  • LTV is 90% for a Saudi citizen's first home and 85% otherwise; the down payment is the remainder.
  • The installment uses standard amortisation at the rate and term you enter.
  • REDF/Sakani subsidy, fees and RETT are not included.

Worked example

SAR 900,000, citizen first home, 5.5%, 25 years

LTV 90% → loan SAR 810,000, down payment SAR 90,000
Monthly installment ≈ SAR 4,974; total payable ≈ SAR 1,492,000, of which ≈ SAR 682,000 is profit.

Frequently asked questions

Can expats get home finance in Saudi Arabia?

Some banks offer products to expatriates, usually with stricter LTV and eligibility. Check with individual banks.

Is the down payment the only upfront cost?

No — budget for valuation, admin and any real estate transaction tax (RETT) that applies to the purchase.

Does this include REDF subsidy?

No. If you qualify for a subsidised profit rate through REDF/Sakani, your effective installment will be lower than shown.

What is the maximum home loan term in Saudi Arabia?

Banks commonly offer up to 25–30 years, subject to age at maturity limits.

Does the mortgage include real estate transaction tax?

No. RETT of 5% applies to most property transfers and is paid separately; first-home buyers may qualify for a state-funded exemption up to a threshold.

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Written by the Swift IT Sols editorial team · SWIFT SOLSRules sourced from the official authorities named on this page and last checked How we source and check calculators

Found an error? Report it — tell us the inputs, the result you got, what you expected and the rule or source. Confirmed corrections are published within a week.

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