Off Plan Real Estate Financing

02-06-2026

Your Installment is only 400 until you take your home .

Get your dream home with Bank Albilad!

Bank Albilad offers financing for the purchase of a residential unit under construction, also known as “off-plan sales.” This product allows you to acquire your dream home during the development or construction phase from one of the off-plan projects approved by the bank and supervised by the General Real Estate Authority.

Bank Albilad provides the advantage of fixing the installment amount at 400 SR during the construction period up to 36 months until the customer receives the property, which contributes to reducing the customer’s obligations

What are the differentiating features of the Off-Plan Financing?

Compliant with the Shariah Committee regulations of Bank Albilad
Monthly installment of only 400 during the construction phase (up to 36 months)
Financing available for both employed and retired customers
Possibility of financing without salary transfer for customers of approved banks and sectors
Deduction rates up to 65% of salary
Financing term up to 30 years
Financing amount up to 5,000,000
Access to competitively priced units in off-plan projects
High construction quality with guarantees on unit delivery
Benefit from government support programs by the Ministry of Housing and the Real Estate Development Fund
Flexible installment options available
Financing availability for holders of Premium Residency and Regular Residency.

Features of Real Estate Financing for Residents

Available Real Estate Finance for residency holders.
Finance amounts up to 5 million.
Sharia-compliant financing service
Competitive and fixed profit rate during the whole contract period
Down payment from 30% of property value.
Finance up to 300 months.

Terms and Conditions

Open current account with Bank Albilad.
Customer must be at least 18 years of age.
Customer must be employed at an institution approved by the bank in the public or private sector or classified as self-employed (freelancer) in accordance with the bank’s approved guidelines.

Customer's salary should be3,000 or more.

Customer must be a beneficiary of the Real Estate Development Fund or the Ministry of Housing.
Customer’s age must not exceed 75 years at the time of the final installment.
The property must be part of projects approved by the General Real Estate Authority.
Financing is available for holders of Premium Residency and Regular Residency permits

Terms and Conditions for Residents

Non-Saudi resident clients are required to obtain approval from the Ministry of Interior, with the exception of holders of an indefinite-duration Premium Residency (Iqama).
Residential properties in all regions of the Kingdom of Saudi Arabia are eligible for financing, subject to relevant governmental controls and legislation.

Government Support Programs:

Supported Financing (Monthly Support):

A government program that helps individuals obtain housing by covering part of the financing profit. The support amount is transferred monthly to the customer, and the ministry bears the profit margin.

Supported Financing Program (Down Payment):

A program by the Real Estate Development Fund that provides a non-refundable down payment of

150,000 for customers with income less than SAR 10,000, and

100,000 for those with income above

10,000.

Additional Support Initiative for Ministry of Defense Personnel:

A financing initiative by the Real Estate Development Fund that supports Ministry of Defense personnel with a

160,000 down payment through a benevolent loan. Customers can receive this support in addition to choosing between monthly support or down payment support.

Required Documents

Customer Documents

Valid National ID or Family Registry
Completion of the customer’s personal obligations disclosure form
Copy of work ID for military sector employees
Completion of the “Home Finance Application” form
Salary transfer letter to Bank Albilad (if applicable)
Employment certificate including: monthly salary, employment start date, contract end date, and job title

Property Documents:

Price quotation form for the residential unit from one of the projects approved by Bank Albilad.
Copy of the Istisna’a contract signed between the developer and the customer.

Real estate documents

Copy of the title deed
Copy of building permits
Sketch of property location
Filling "property information" form
Filling "financing" form
Filling "Property Purchase Contract"

*Terms & conditions apply

Required Documents for Residents

Client's income sources are attached and studied based on: Commercial registry, Real Estate documents and Investment contracts.
Approval of the Ministry of Interior for residency holders, except for clients with unlimited duration premium residency.
Valid ID
A letter from the customer's employer indicating monthly salary (Basic and allowances), job title, date of employment.
A statement of salary transfer from employer (in case financed with salary transfer)

Real estate documents for Residents

Copy of the title deed
Copy of building permits
Copy of owner ID
Sketch of property location
Filling “property information" form
Filling “financing" form

Terms & conditions apply

The approved projects for Off-plan

Unit type	city	Real estate developer	Project name
apartments	Riyadh	NHC	Rehab Al Asalah
apartments		NHC	Rehab Al Wajeha
Villas / Townhouses / Apartments	Dhahran	Comprehensive Development Company for Real Estate Development	Azian Dhahran
Villas/Townhouses	Riyadh	NHC	Sanaya
apartments	Riyadh	MTG	Banan BB II
apartments	AL Madinah AL Munawwarah	NHC	Dania Al Ghoroub
Villas/Townhouses	AL Madinah AL Munawwarah	NHC	Shams
Villas/Townhouses	Jeddah	NHC	Rawasi
apartments	Jeddah	NHC	Rehab Al Sudan
Villas/Townhouses	alkhabar	NHC	Arasi Quarters
Villas/Townhouses	Tabuk	Telad Real Estate	Sadu Tabuk
apartments	Riyadh	NHC	Ubayya Elite 1
apartments	Jeddah	Al-Raem Real Estate Development Company	Araco Jeddah
Villas	Al-Ahsa	NHC	The Rose House
Villas	Riyadh	Abdul Ghaffar Abdul Rahim Al-Kooheji	Riwan Al Rabaa
apartments	Riyadh	NHC	Dania Al Asalah
Villas/Townhouses	Riyadh	Abdulrahman Al-Rashed	Jawharat Al Rabaa
Villas/Townhouses	Riyadh	NHC	Taraf 1
Villas	Riyadh	Lidar Investment	Dar Al Rabaa
apartments	Taif	NHC	Dania & Diana
apartments	Jeddah	Fuel International Real Estate Services	Sakun Heights
Villas	Riyadh	Dar Wa Emaar for Investment and Real Estate Development	Saraya Al Rabaa
apartments	AL Madinah AL Munawwarah	NHC	Rehab Al Dar
Villas	alkhabar	Retal Urban Development Company	Nasaj Lazord
Villas	Mecca	nujum alsalam Company	Rasan Gate
Villas / Townhouses / Apartments	Jeddah	Comprehensive Development Company for Real Estate Development	Azyan Al Bashayer
Villas/Townhouses	Riyadh	NHC	Wahj Al Asalah
Villas	Mecca	Lidar Investment	Dar Makkah
Villas	Mecca	Sumou Real Estate Company	Areem Makkah
Villas	alkhabar	Dar Wa Emaar for Investment and Real Estate Development	Saraya Lazord
apartments	Mecca	Azhar Holding Company	Mayar Umm Al Qura
Villas/Townhouses	Jeddah	Comprehensive Development Company for Real Estate Development	Azyan Jeddah
Villas	Tabuk	NHC	Tabuk Valley 2
Villas/Townhouses	AL Madinah AL Munawwarah	NHC	Arak Al-Makimin
Villas	Riyadh	alhabib	Eyal Al-Khuzam 2
Villas	Riyadh	Ajdan Real Estate Development	Rasin Khazam
Villas/Townhouses	Riyadh	NHC	Taraf 2
Villas/Townhouses	alkhabar	thabat almaskan	Sahb
apartments	Jeddah	Al-Awali Real Estate Development Company	Akam Homes
Villas	AL Madinah AL Munawwarah	Lidar Investment	Dar Al-Makimin
Villas/Townhouses	Mecca	eabr almamlakat Real Estate	Sadeel
Villas	AL Madinah AL Munawwarah	Faisal bin Saidan	Malfi Al-Makimin
Villas	Riyadh	MTG	Banan 6
Villas/Townhouses		Dar Wa Emaar for Investment and Real Estate Development	Saraya Al-Sharq
apartments	Mecca	Al-Awali Real Estate Development Company	Akam Makkah
Villas/Townhouses	Al-Ahsa	Maya Real Estate Investment and Development Company	Sama Al-Wurood 2
Villas/Townhouses	Riyadh	Abdulrahman Al-Rashed	Jawharat Khazam Phase 2
Villas	Jeddah	Faisal bin Saidan	Malfi Jeddah
Villas		Ajdan Real Estate Development	Darat Al-Wajha
apartments	AL Madinah AL Munawwarah	Al-Raem Real Estate Development Company	Awali Al-Makimin
Villas/Townhouses	Riyadh	Dar Al Majid Real Estate Company	Adeem Al-Fursan
Villas/Townhouses	Riyadh	NHC	Ubayya 2
apartments	AL Madinah AL Munawwarah	Safa Investment Company	Safa Al-Makimin
apartments	Jeddah	Dar Al Majid Real Estate Company	Khayala 1
apartments	Qatif	Maya Real Estate Investment and Development Company	Sama Qamra
Villas/Townhouses	Jeddah	Abdulrahman Al-Rashed	Jawharat Tilal
Villas/Townhouses	Jeddah	eabr almamlakat Real Estate	Jazla
apartments	Riyadh	asas makin	Tali'at Al-Mashreqiya
apartments	Mecca	Azhar Holding Company	Mayar Second Region
Villas/Townhouses	Jeddah	Comprehensive Development Company for Real Estate Development	Azyan Al-Hadaba
apartments	Mecca	Meccan Urban Developers	Sama Makkah
apartments	Jeddah	Dar Al Majid Real Estate Company	Khayala 2
Villas	Tabuk	Azhar Holding Company	Kanaz
Villas	Jeddah	alhabib	Eyal Jeddah Heights
Villas	Jeddah	Meccan Urban Developers	Mian Heights
Villas	Riyadh	dhahab liltatwir aleaqarii	Nowar
Villas	Tabuk	aleumr lilaistithmar	Dama Hills
Villas	Tabuk	Faisal bin Saidan	Malfi Tabuk Hills
Villas	alkhabar	aleumr lilaistithmar	Dama Lazurde
Villas	Riyadh	Ajdan Real Estate Development	Darat Al-Fursan 2
Villas/Townhouses	Jeddah	Sata'a Al Taamir Real Estate Development and Investment Company	Aknan Heights
Villas	Riyadh	Faisal bin Saidan	Malfi Al-Asalah 2
Villas/Townhouses	Jeddah	Al-Awali Real Estate Development Company	Akam Jeddah
Villas/Townhouses	Jeddah	Fuel International Real Estate Services	Saraat
Villas	Jeddah	Hawadi Limited	Hawadi Tilal
Villas	Riyadh	Ishraqat Al Tamyeez Real Estate Development	Ishraqat Al-Asalah 2
Villas	Jeddah	Egyptian Gulf Construction Company	Breman Facade
Villas	Riyadh	Dar Wa Emaar for Investment and Real Estate Development	Saraya Homes
apartments	Jeddah	Sodasyat Real Estate	Sadana Loftique
apartments	Riyadh	naya najd real estate company	naya residential tower
apartments	alkhabar	Rawas Real Estate Company	Lazurd Marina
apartment	Riyadh	Dar Al Majid Real Estate Company	Almajdiah 183
apartment	Riyadh	Dar Al Majid Real Estate Company	Almajdiah 178
apartment	Riyadh	Dar Al Majid Real Estate Company	Almajdiah 174
apartment	Riyadh	Al-buruj company for real estate development	ROOH OBHR
apartment	Riyadh	DAR BAYAT DEVELOPMENTS	BAYAT HILLZ
apartment	Riyadh	alajlan riviera	Alajlan RIVIERA FIFTY EIGHT
Villas – Townhouses	Riyadh	NUJOOM ALSALAM REAL ESTATE CO	RASAN GATE
Villas	Khamis Mushayt	mada alsharqiah Real Estate Development Company	sudum
apartment	Riyadh	rawabetaljanoub	ROYA TWO
apartment	Riyadh	Inbar Real Estate Development Co	ENBAR 10
Villas – Townhouses	Riyadh	AL AMBATT CONTRATING COMPANY	aseel alghurub 2
apartment	alkhabar	Almabani Alaalamiyya Company Real Estate	PAR LAMER
Villas – Townhouses	Riyadh	Maya Al-Emaar for real-estate developemnt&investment	One Mountainview
apartment	Riyadh	Mohammed and Musab Abdullah Al-Ajlan Investment Company	Al-Ajlan RIVIERA 52
Apartments	Riyadh	SAK Reale state	Mashareq 2
Townhouses	Riyadh	DAR BAYAT DEVELOPMENTS	REZI 46 alrabea
Apartments	Riyadh	Almabani Alaalamiyya Company Real Estate	RAKKAH TOWNHOUSESTHE ONE
Apartments	Riyadh	NHC	Ebbiah Elite 2
Apartments	Riyadh	Riyadh Buildings Real Estate Company	AL MAHA RESIDENCE THIRTEEN
Apartments	Riyadh	NHC	Rehab Alasalla
apartments	Riyadh	Izdihar Real Estate Company	Mashael Alfursan
apartments	Riyadh	Riyadh Buildings Real Estate Company	BADR RESIDENCE
apartments	Riyadh	Safa Investment Company	Safa 78
apartments	Buraydah	Safa Investment Company	Safa 86
apartments	Riyadh	Safa Investment Company	Safa 82
apartments	Al-Baha	jidana Real Estate Company	jidana residence 1
Villas – Townhouses	Riyadh	AlRajhi United Real Estate Co.	BASATEEN ALGHOROUB
Apartments	alkhabar	NHC	اراسي هايتس
Apartments	Mecca	NHC	Rehab Mecca Gate
villas	Riyadh	NHC	Najediah
Apartments	Riyadh	NHC	Ebayya Highest 2
Apartments	Jeddah	NHC	Rehab AlWaref Project
Apartments	Riyadh	Baytna Real Estate Development and Investment Company	Our house 1
Apartments	AL Madinah AL Munawwarah	Araam Saudia Company	Araam Residants 4
Apartments	Jeddah	Safa Investment Company	SAFA Alwareef
Apartments	Riyadh	Aaly Al-Omran Real Estate Development Co	Tadom Al-Muteb
Apartments	Riyadh	asas diaar real estate company	DIAAR 25
Apartments	alkhabar	Wejhat Aljazera Real Estate Development co.	Ajdan Infinity Second Towert
Apartments	alkhabar	HADAF FOR REAL ESTATE AND INVESTMENT	HADAF TOWER 18
Villas – Apartments	Riyadh	Asas Almemar Real Estate Development Co	ARSAN
Rols \| Apartaments	Riyadh	DAR BAYAT DEVELOPMENTS	Via Residence
Villas	Riyadh	Jadwa Al Basateen Real Estate Company	Albasateen Gardens Extension
apartment	Riyadh	View United Real Estate Development	View Arch
Villas – Townhouses	Riyadh	Al-Ramz real estate company	Abhar Engraving
Villas – Townhouses	Mecca	EMLAK KONUT COMPANY	HAYAT MAKKAH
apartment	Riyadh	Anan Real estate	Anan View Tower
Apartment	Riyadh	armah aleemar for investment	Waref Floors
Villas \|Townhouses	Khamis Mushayt	Domathah Real Estate Development Company	Rawaya Alsadim

*Terms & Conditions apply

FAQs

Is there any management fee?

The management fee is 1% of the financing amount with cap of 5,000.

Who is eligible for the fixed SAR 400 installment during the construction phase?

Customers supported by the Real Estate Development Fund.

Does the financing cover the full value of the property?

No, the financing only covers the value of the remaining payments to the real estate developer.

Can a finance be obtained if the customer is a fixed duration residency holder?

Yes

Is there a specific nationality to which grants are limited?

There is no specific nationality to which grants are limited

How the profit margin is calculated?

Here is an example of how the profit margin is calculated:

Off-plan Financing
Real Estate value	900,000
Finance amount	90% of real estate value
Type of profit margin (Fixed or Variable)	Fixed Rate
APR	6.40%
Management fees	Management fees is 1% of the Financing Amount with Cap. of SAR 5,000
Finance duration	20 years
Type of installments	Funding principal and profit
Finance Amount	810,000.00
Monthly installment during construction period	400
Monthly installment	8,576
Early settlement	The value of the remaining asset with an additional 3 months earnings

Asset Price	1,000,000
Customer salary	12,000
Amount paid to the real estate developer	100,000
Profit rate type	Fixed
APR	5.32%
Tenor	20 Years
Installment type	Principle and Profit
Finance amount	900,000
Monthly installment	5,659.58

Example1: Off Plan beneficiary campaign - Advance Subsidy (150,000)

Asset Price	1,000,000
Downpayment	150,000
Profit rate type	Fixed
APR	5,33%
Tenor	20 Years
Installment type	Principle and Profit
Finance amount	850,000
Monthly installment	5,660

Example2: Off Plan - Advance Subsidy (100,000)

Asset Price	1,000,000
Downpayment	100,000
Profit rate type	Fixed
APR	5,32%
Tenor	20 Years
Installment type	Principle and Profit
Finance amount	900,000
Monthly installment	5,993

Example3: Off Plan - Monthly Subsidy

Asset Price	900,000
Downpayment	90,000
Profit rate type	Fixed
APR	5,33%
Tenor	20 Years
Installment type	Principle and Profit
Finance amount	810,000
Monthly installment	5,393

Example for Residents

Example 1: Finance amount1 million

1,000,000	Asset Price
300,000	Downpayment (30% of the asset price)
Fixed	Profit rate type
6.25%	APR
25 Years	Tenor
Principle and Profit	Installment type
700,000	Finance amount
5,040.00	Monthly installment

Example 2: Finance amount800,000

800,000	Asset Price
240,000	Downpayment (30% of the asset price)
Fixed	Profit rate type
6.25%	APR
25 Years	Tenor
Principle and Profit	Installment type
560,000	Finance amount
4,032.00	Monthly installment

Example 3: Finance amount2 million

2,000,000	Asset Price
600,000	Downpayment (30% of the asset price)
Fixed	Profit rate type
6.25%	APR
25 Years	Tenor
Principle and Profit	Installment type
1,400,000	Finance amount
10,080.00	Monthly installment

Risk Disclaimer

Before deciding to obtain real estate financing, it is advisable to review your credit report to understand your current financial obligations. Reviewing your credit report helps you understand the extent of your need for financing, and how the financing will affect your financial situation currently or in the long term.
The second party (the client) does not have the right to request withdrawal from the contract or retract its implementation if the shares have been deposited into their investment portfolio with the trading company, except in the event of the contract's termination (rescission).
It is important for the client to ensure the timely payment of dues, as the client's credit history will be negatively affected in the event of default or delayed payment.

*Terms and conditions apply

The annual percentage rate varies based on the amount and maturity period and Subjected to the customer's credit history

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8001230000

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Off Plan Real Estate Financing

Off Plan Real Estate Financing

Your Installment is only 400 until you take your home .

Get your dream home with Bank Albilad!

What are the differentiating features of the Off-Plan Financing?

Features of Real Estate Financing for Residents​

Terms and Conditions

Customer must be at least 18 years of age.

Customer must be employed at an institution approved by the bank in the public or private sector or classified as self-employed (freelancer) in accordance with the bank’s approved guidelines.

Customer's salary should be3,000 or more.

Customer must be a beneficiary of the Real Estate Development Fund or the Ministry of Housing.

Customer’s age must not exceed 75 years at the time of the final installment.

The property must be part of projects approved by the General Real Estate Authority.

Financing is available for holders of Premium Residency and Regular Residency permits

Terms and Conditions for Residents​

​Government Support Programs:

Required Documents

Customer Documents

Property Documents:

Real estate documents

Required Documents for Residents​

Real estate documents for Residents​ ​​

The approved projects for Off-plan

Unit type

city

Real estate developer

Project name

apartments

Riyadh

NHC

Rehab Al Asalah

apartments

NHC

Rehab Al Wajeha

Villas / Townhouses / Apartments

Dhahran

Comprehensive Development Company for Real Estate Development

Azian Dhahran

Villas/Townhouses

Riyadh

NHC

Sanaya

apartments

Riyadh

MTG

Banan BB II

apartments

AL Madinah AL Munawwarah

NHC

Dania Al Ghoroub

Villas/Townhouses

AL Madinah AL Munawwarah

NHC

Shams

Villas/Townhouses

Jeddah

NHC

Rawasi

apartments

Jeddah

NHC

Rehab Al Sudan

Villas/Townhouses

alkhabar

NHC

Arasi Quarters

Villas/Townhouses

Tabuk

Telad Real Estate

Sadu Tabuk

apartments

Riyadh

NHC

Ubayya Elite 1

apartments

Jeddah

Al-Raem Real Estate Development Company

Araco Jeddah

Villas

Al-Ahsa

Features of Real Estate Financing for Residents

Terms and Conditions for Residents

Government Support Programs:

Required Documents for Residents

Real estate documents for Residents