Loan calculator Saudi Arabia: personal, car and home finance

Updated 22 Oct 2026

How much of my salary can go to finance in Saudi Arabia?

Under SAMA's rules, all consumer finance instalments taken from your salary — personal finance, car finance and the minimum payment on every credit card — may not exceed one third (33.33%) of your gross salary; home finance is not counted in that third. Personal and car finance may run at most 60 months (5 years). Compare offers on the APR, which SAMA requires to include every unavoidable fee.

Official rule: Consumer finance instalments taken from your salary (home finance not counted) may not exceed one third (33.33%) of your gross salary. (source, checked 2026-10-09)

Not a valid document. Estimate for information only — not financial advice, not an offer of credit and not a bank document. Errors are possible. Only your bank's or finance company's official offer letter, contract and statements are binding.

Personal finance, car finance and home finance maths for Saudi Arabia — calculated in your browser, with the SAMA rules shown and dated. No sign-up, no phone calls, no "an advisor will contact you".

Buying a home in Saudi Arabia?The 5% transaction tax is only the beginning.Who pays the tax and what the state pays for a citizen's first home, the 2% fee for non-Saudi buyers in the four big cities, the broker, the lender's capped fee — and how much you must put down (10%, 15% or 30%). Official rules from ZATCA, REGA and SAMA; the rest are estimates you can change.See your total →

Personal finance: calculatorInstalment, term cost, APR with the capped admin fee, and the one-third salary limit.Credit card: the minimum payment trapHow many years paying only the minimum takes, what it costs, and what a fixed amount changes.Credit card: how much limit can I get?No official cap — what the 45% limit and the one-third rule leave room for on your salary, finance and cards.Car finance: calculatorInstalment, APR with the capped fee, registration and insurance — no official minimum down payment.Car: zero down paymentWhat a car with nothing down really costs against the cash price.Car: 0% finance or cash discount?The term cost hidden in the discount you give up for 0% car finance.Car: lease to ownThe real yearly rate behind the rentals and the final payment — and the finance-lease rules.Home: monthly home finance paymentYour instalment, the APR with the capped fee, how much the lender may finance (90 / 70 / 85%), variable-rate examples and Sakani.Buy to let: rental yield and ROIGross yield, net yield, return on your own cash and profit if you sell, in plain words.Home: rent or buy?Your rent against buying, with every cost, the Riyadh rent freeze and your own guesses side by side.Any finance: paying off earlyHome, personal or car finance: the 3-month cap, what you settle with and the term cost you save.Any finance: how much can I borrow?Your maximum personal, car or home finance under the SAMA limits: one third of salary, 45%, 55% / 65% with home finance.

Guides

Term cost vs APRThe two rates in a Saudi finance offer, and why 6% becomes 6.48%.Saudi home finance rulesHow much may be financed, what it costs, early repayment and the income limits.First-home relief and SakaniThe state's share of the 5% tax, and housing support for citizens.Foreign buyers since 22 January 2026Where non-Saudis may buy, the 2% fee and how much can be financed.SAMA rates explainedRepo, reverse repo and SAIBOR — what they are, and what they are not.Real estate mortgageWhat a mortgage on your home is, how it is released for free, and finance against a home you own.

About this site: Real Loan Rate is free and independent. No bank, lender or broker pays to appear, and every rule on these pages links to its official source with the date it was last checked. Who runs it and how it calculates.