Guides (Saudi Arabia)
Updated
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.
Calculators
Home: costs of buyingOnce, on the day you buy: down payment, the 5% transaction tax and first-home relief, the non-Saudi fee, broker and lender.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.
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.