Sources for every rule on our Saudi pages
Updated
Every number on our Saudi pages comes from a rule with its source and the date we last checked it. This page lists those source documents, grouped by the page that uses them. A source that is not an official page is labelled as an estimate. The rules themselves, word for word, are in the “Sources” box at the bottom of each page.
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.
Loan calculator Saudi Arabia: personal, car and home finance
- rulebook.sama.gov.sa › 1948 — 2 rules, checked 2026-10-09
e.g. Consumer finance instalments taken from your salary (home finance not … - rulebook.sama.gov.sa › 5491 — 2 rules, checked 2026-10-09
e.g. The one-third salary limit counts every consumer finance instalment and the …
Buying a home in Saudi Arabia: the cash you need on the day
- zatca.gov.sa › RETTrgulations.pdf — 4 rules, checked 2026-10-19
e.g. Selling a property costs 5% Real Estate Transaction Tax. - zatca.gov.sa › RETT_Guide.pdf — 2 rules, checked 2026-10-20
e.g. For a Saudi citizen's first home the state pays the tax on the first SAR … - momah.gov.sa › 6699 — 1 rule, checked 2026-10-19
e.g. The state's share of the first-home tax is at most SAR 50,000. - zatca.gov.sa › VAT15.pdf — 1 rule, checked 2026-10-19
e.g. VAT in Saudi Arabia is 15%. - saudiproperties.rega.gov.sa › zones — 1 rule, checked 2026-10-09
e.g. The zones open to non-Saudis are mapped on REGA's Saudi Properties portal: … - saudiproperties.rega.gov.sa › faq — 2 rules, checked 2026-10-09
e.g. A home a non-Saudi resident owns under the one-home rule within the urban … - saudiproperties.rega.gov.sa › ownership_matrix.pdf — 1 rule, checked 2026-10-09
e.g. REGA's ownership matrix: inside the zones, resident and non-resident … - rega.gov.sa › rega-non-saudi-property-ownership-system-ente… — 1 rule, checked 2026-10-19
e.g. Non-Saudis may own property under the new law since 22 January 2026. - uqn.gov.sa › details?p=27293 — 2 rules, checked 2026-10-19
e.g. Non-Saudis may own property only inside the areas the Council of Ministers … - uqn.gov.sa › 4001281 — 2 rules, checked 2026-10-19
e.g. The non-Saudi fee is 2% of the value in Riyadh, Makkah and Madinah cities … - rega.gov.sa › real-estate-brokerage-law — 4 rules, checked 2026-10-19
e.g. The broker's commission is 2.5% of the sale price unless agreed otherwise in … - rega.gov.sa › rega-calls-on-property-owners-in-seven-distri… — 1 rule, checked 2026-10-19
e.g. Registering a property in the Real Estate Registry for the first time is free. - rulebook.sama.gov.sa › 10681 — 2 rules, checked 2026-10-09
e.g. Admin fees on home finance: at most 1% of the amount or SAR 5,000, whichever … - rulebook.sama.gov.sa › clarification-provisions-article-83-implement… — 1 rule, checked 2026-10-09
e.g. The fee cap covers everything you must pay to get the finance: application … - rulebook.sama.gov.sa › increase-maximum-mortgage-citizens-own-first-… — 1 rule, checked 2026-10-09
e.g. A Saudi citizen's first home may be financed up to 90% of its value. - rulebook.sama.gov.sa › 190 — 2 rules, checked 2026-10-09
e.g. For any other home (and all buyers who are not citizens buying a first home) … - rega.gov.sa › fal-real-estate-brokerage — 1 rule, checked 2026-10-19
e.g. REGA issues real estate brokerage licences under the name "FAL" through its …
Home finance calculator (Saudi Arabia): home loan instalment
- rulebook.sama.gov.sa › increase-maximum-mortgage-citizens-own-first-… — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 190 — 4 rules, checked 2026-10-09
- rulebook.sama.gov.sa › 10681 — 3 rules, checked 2026-10-09
- rulebook.sama.gov.sa › clarification-provisions-article-83-implement… — 1 rule, checked 2026-10-09
- zatca.gov.sa › VAT15.pdf — 1 rule, checked 2026-10-19
- rulebook.sama.gov.sa › 5419 — 1 rule, checked 2026-10-09
e.g. The APR is the yearly discount rate at which everything you pay equals what … - zatca.gov.sa › RETTrgulations.pdf — 2 rules, checked 2026-10-19
- zatca.gov.sa › RETT_Guide.pdf — 1 rule, checked 2026-10-20
- momah.gov.sa › 6699 — 1 rule, checked 2026-10-19
- rega.gov.sa › real-estate-brokerage-law — 1 rule, checked 2026-10-19
- uqn.gov.sa › 4001281 — 2 rules, checked 2026-10-19
- uqn.gov.sa › details?p=27293 — 2 rules, checked 2026-10-19
- saudiproperties.rega.gov.sa › zones — 1 rule, checked 2026-10-09
- saudiproperties.rega.gov.sa › faq — 2 rules, checked 2026-10-09
- saudiproperties.rega.gov.sa › ownership_matrix.pdf — 1 rule, checked 2026-10-09
- rega.gov.sa › rega-calls-on-property-owners-in-seven-distri… — 1 rule, checked 2026-10-19
- rulebook.sama.gov.sa › early-repayment — 1 rule, checked 2026-10-09
e.g. A home finance contract may forbid early repayment for at most 2 years from … - sama.gov.sa › RepoRate.aspx — 1 rule, checked 2026-10-09
e.g. SAMA's repo rate is 4.50% (decision of 16 September 2026). - rulebook.sama.gov.sa › 1948 — 4 rules, checked 2026-10-09
- sakani.sa › housing-subsidy-policy — 4 rules, checked 2026-10-19
e.g. State housing support is for Saudi citizens only. - momah.gov.sa › 6712 — 1 rule, checked 2026-10-19
e.g. The profit subsidy on supported home finance is paid for at most 20 years; … - momah.gov.sa › Sakani Newsletter.pdf — 1 rule, checked 2026-10-19
e.g. Eligible first-home buyers can get a non-refundable SAR 100,000 or 150,000 …
Personal loan calculator Saudi Arabia: personal finance EMI and APR
- rulebook.sama.gov.sa › 5491 — 5 rules, checked 2026-10-09
- rulebook.sama.gov.sa › 5419 — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 10681 — 2 rules, checked 2026-10-09
- zatca.gov.sa › VAT15.pdf — 1 rule, checked 2026-10-19
- rulebook.sama.gov.sa › 1948 — 8 rules, checked 2026-10-09
Buy to let in Saudi Arabia: rental yield and return on your cash
- rulebook.sama.gov.sa › increase-maximum-mortgage-citizens-own-first-… — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 190 — 2 rules, checked 2026-10-09
- rulebook.sama.gov.sa › 10681 — 2 rules, checked 2026-10-09
- zatca.gov.sa › VAT15.pdf — 1 rule, checked 2026-10-19
- zatca.gov.sa › RETTrgulations.pdf — 2 rules, checked 2026-10-19
- zatca.gov.sa › RETT_Guide.pdf — 1 rule, checked 2026-10-20
- momah.gov.sa › 6699 — 1 rule, checked 2026-10-19
- rega.gov.sa › real-estate-brokerage-law — 3 rules, checked 2026-10-19
- uqn.gov.sa › details?p=28602 — 2 rules, checked 2026-10-19
e.g. A landlord must register an unregistered lease on Ejar; the tenant may … - ejar.sa › 355294 — 1 rule, checked 2026-10-15
e.g. Registering a home lease on Ejar costs SAR 125 per year. - zatca.gov.sa › Implmenting Regulations of the VAT Law_EN.pdf — 1 rule, checked 2026-10-19
e.g. Rent for a home carries no VAT. - uqn.gov.sa › 4001281 — 2 rules, checked 2026-10-19
- uqn.gov.sa › details?p=27293 — 2 rules, checked 2026-10-19
- rega.gov.sa › rega-non-saudi-property-ownership-system-ente… — 1 rule, checked 2026-10-19
- saudiproperties.rega.gov.sa › zones — 1 rule, checked 2026-10-09
- saudiproperties.rega.gov.sa › faq — 2 rules, checked 2026-10-09
- saudiproperties.rega.gov.sa › ownership_matrix.pdf — 1 rule, checked 2026-10-09
Rent or buy a home in Saudi Arabia?
- uqn.gov.sa › details?p=28602 — 7 rules, checked 2026-10-19
- rega.gov.sa › decision-announcing-the-extension-of-the-noti… — 1 rule, checked 2026-10-19
e.g. A landlord who does not renew a home lease for his own use must give 365 … - ejar.sa › 355294 — 1 rule, checked 2026-10-15
- zatca.gov.sa › Implmenting Regulations of the VAT Law_EN.pdf — 1 rule, checked 2026-10-19
- rega.gov.sa › real-estate-brokerage-law — 3 rules, checked 2026-10-19
- zatca.gov.sa › RETTrgulations.pdf — 2 rules, checked 2026-10-19
- zatca.gov.sa › RETT_Guide.pdf — 1 rule, checked 2026-10-20
- momah.gov.sa › 6699 — 1 rule, checked 2026-10-19
- uqn.gov.sa › 4001281 — 2 rules, checked 2026-10-19
- uqn.gov.sa › details?p=27293 — 2 rules, checked 2026-10-19
- rulebook.sama.gov.sa › increase-maximum-mortgage-citizens-own-first-… — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 190 — 2 rules, checked 2026-10-09
- rulebook.sama.gov.sa › 10681 — 2 rules, checked 2026-10-09
- zatca.gov.sa › VAT15.pdf — 1 rule, checked 2026-10-19
- saudiproperties.rega.gov.sa › zones — 1 rule, checked 2026-10-09
- saudiproperties.rega.gov.sa › faq — 2 rules, checked 2026-10-09
- saudiproperties.rega.gov.sa › ownership_matrix.pdf — 1 rule, checked 2026-10-09
- ejar.sa › 188277 — 2 rules, checked 2026-10-15
e.g. Registering a commercial lease on Ejar costs SAR 200 for the first year.
Car finance and auto loan calculator (Saudi Arabia)
- rulebook.sama.gov.sa › 1948 — 3 rules, checked 2026-10-09
- rulebook.sama.gov.sa › 5491 — 6 rules, checked 2026-10-09
- rulebook.sama.gov.sa › 5419 — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 10681 — 2 rules, checked 2026-10-09
- zatca.gov.sa › VAT15.pdf — 1 rule, checked 2026-10-19
- rulebook.sama.gov.sa › 10465 — 1 rule, checked 2026-10-09
e.g. The minimum payment on a credit card may not be set below 5% of the amount due. - zatca.gov.sa › Calculating-VAT-on-ProfitMargin-of-UsedCars.aspx — 1 rule, checked 2026-10-19
e.g. Licensed used-car dealers may charge VAT on their margin only (optional, …
Zero down payment car finance: what it really costs
- rulebook.sama.gov.sa › 1948 — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 5491 — 3 rules, checked 2026-10-09
- rulebook.sama.gov.sa › 5419 — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 10681 — 2 rules, checked 2026-10-09
- zatca.gov.sa › VAT15.pdf — 1 rule, checked 2026-10-19
0% car finance or the cash discount?
- rulebook.sama.gov.sa › 1948 — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 5491 — 3 rules, checked 2026-10-09
- rulebook.sama.gov.sa › 5419 — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 10681 — 2 rules, checked 2026-10-09
- zatca.gov.sa › VAT15.pdf — 1 rule, checked 2026-10-19
Car lease to own in Saudi Arabia: what it really costs
- rulebook.sama.gov.sa › 7136 — 8 rules, checked 2026-10-09
e.g. The advance rental payment (down payment) is spread evenly over all the … - adlm.moj.gov.sa › 1184.pdf — 2 rules, checked 2026-10-09
e.g. In a car lease-to-own the financier pays the insurance and cannot pass it to … - bfc.gov.sa › اللائحة التنفيذية لنظام الإيجار التمويلي.pdf — 1 rule, checked 2026-10-09
e.g. A lease contract may forbid early buy-out for at most 2 years from signing. - rulebook.sama.gov.sa › 5419 — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 10681 — 2 rules, checked 2026-10-09
- zatca.gov.sa › VAT15.pdf — 1 rule, checked 2026-10-19
- rulebook.sama.gov.sa › 1948 — 3 rules, checked 2026-10-09 to 2026-10-19
Credit card: what paying only the minimum costs (Saudi Arabia)
- rulebook.sama.gov.sa › 10465 — 13 rules, checked 2026-10-09
- zatca.gov.sa › VAT15.pdf — 1 rule, checked 2026-10-19
- rulebook.sama.gov.sa › 5491 — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 1948 — 1 rule, checked 2026-10-09
How much credit card limit can I get in Saudi Arabia?
- rulebook.sama.gov.sa › 10465 — 14 rules, checked 2026-10-09 to 2026-10-14
- rulebook.sama.gov.sa › 1948 — 11 rules, checked 2026-10-09 to 2026-10-14
- rulebook.sama.gov.sa › 5491 — 2 rules, checked 2026-10-09
Early settlement calculator (Saudi Arabia)
- rulebook.sama.gov.sa › early-repayment — 2 rules, checked 2026-10-09
- rulebook.sama.gov.sa › key-conditions-calculating-early-repayment-am… — 1 rule, checked 2026-10-09
e.g. On early settlement you pay the remaining balance plus the 3 months' term … - rulebook.sama.gov.sa › 5491 — 6 rules, checked 2026-10-09
- rulebook.sama.gov.sa › 190 — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 10681 — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 7136 — 1 rule, checked 2026-10-09
How much can I borrow in Saudi Arabia? Finance eligibility by salary
- rulebook.sama.gov.sa › 1948 — 11 rules, checked 2026-10-09
- rulebook.sama.gov.sa › 5491 — 3 rules, checked 2026-10-09
- rulebook.sama.gov.sa › 10465 — 1 rule, checked 2026-10-09
Term cost vs APR: the two rates in a Saudi finance offer
- rulebook.sama.gov.sa › 5491 — 5 rules, checked 2026-10-09 to 2026-10-19
- rulebook.sama.gov.sa › 5419 — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 10681 — 2 rules, checked 2026-10-09
- zatca.gov.sa › VAT15.pdf — 1 rule, checked 2026-10-19
SAMA rates explained: repo, reverse repo and SAIBOR
- sama.gov.sa › RepoRate.aspx — 1 rule, checked 2026-10-09
- sama.gov.sa › ReverseRepoRate.aspx — 1 rule, checked 2026-10-09
e.g. SAMA's reverse repo rate is 4.00% (16 September 2026). - rulebook.sama.gov.sa › saudi-arabian-benchmark-saiborsaibid — 1 rule, checked 2026-10-09
e.g. SAIBOR is set by contributor banks and published by its benchmark … - sama.gov.sa › report.aspx — 1 rule, checked 2026-10-09
e.g. The monthly average 3-month SAIBOR was 4.83% in August 2026 (SAMA open-data … - rulebook.sama.gov.sa › 190 — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 5491 — 1 rule, checked 2026-10-09
Home finance rules in Saudi Arabia: how much, what it costs, how much of your income
- rulebook.sama.gov.sa › increase-maximum-mortgage-citizens-own-first-… — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 190 — 4 rules, checked 2026-10-09
- rulebook.sama.gov.sa › 10681 — 3 rules, checked 2026-10-09
- rulebook.sama.gov.sa › clarification-provisions-article-83-implement… — 1 rule, checked 2026-10-09
- zatca.gov.sa › VAT15.pdf — 1 rule, checked 2026-10-19
- rulebook.sama.gov.sa › early-repayment — 1 rule, checked 2026-10-09
- rulebook.sama.gov.sa › 1948 — 6 rules, checked 2026-10-09
- sakani.sa › housing-subsidy-policy — 2 rules, checked 2026-10-19
First-home tax relief and Sakani support for Saudi citizens
- zatca.gov.sa › RETTrgulations.pdf — 2 rules, checked 2026-10-19
- zatca.gov.sa › RETT_Guide.pdf — 1 rule, checked 2026-10-20
- momah.gov.sa › 6699 — 1 rule, checked 2026-10-19
- sakani.sa › housing-subsidy-policy — 4 rules, checked 2026-10-19
- momah.gov.sa › 6712 — 1 rule, checked 2026-10-19
- momah.gov.sa › Sakani Newsletter.pdf — 1 rule, checked 2026-10-19
- rulebook.sama.gov.sa › 1948 — 1 rule, checked 2026-10-09
Foreign buyers in Saudi Arabia since 22 January 2026
- rega.gov.sa › rega-non-saudi-property-ownership-system-ente… — 2 rules, checked 2026-10-19
- uqn.gov.sa › details?p=27293 — 3 rules, checked 2026-10-19
- saudiproperties.rega.gov.sa › zones — 1 rule, checked 2026-10-09
- saudiproperties.rega.gov.sa › faq — 2 rules, checked 2026-10-09
- saudiproperties.rega.gov.sa › ownership_matrix.pdf — 1 rule, checked 2026-10-09
- uqn.gov.sa › 4001281 — 2 rules, checked 2026-10-19
- zatca.gov.sa › RETTrgulations.pdf — 2 rules, checked 2026-10-19
- rega.gov.sa › real-estate-brokerage-law — 1 rule, checked 2026-10-19
- rulebook.sama.gov.sa › 10681 — 2 rules, checked 2026-10-09
- rulebook.sama.gov.sa › 190 — 2 rules, checked 2026-10-09
Real estate mortgage in Saudi Arabia: finance against your home
- rulebook.sama.gov.sa › register-mortgages-accordance-fact-contract — 1 rule, checked 2026-10-19
e.g. A mortgage on property in Saudi Arabia is governed by the Registered Real … - moj.gov.sa › GuidelinesForRealEstateStockExchangePlatform.pdf — 1 rule, checked 2026-10-19
e.g. On the Ministry of Justice's Real Estate Exchange platform only the … - rulebook.sama.gov.sa › procedural-requirements-mortgage-documentatio… — 2 rules, checked 2026-10-19
e.g. SAMA's mortgage documentation forms include Form 2, for a property already … - moj.gov.sa › fb45c8c7-da49-4d25-b0ff-ad270dcad1a7.aspx — 1 rule, checked 2026-10-19
e.g. The Ministry of Justice's e-service to release a mortgage on a property … - moj.gov.sa › ff10b055-b894-40ce-9656-e45b64f86d97.aspx — 1 rule, checked 2026-10-19
e.g. The Ministry of Justice's e-service to move a property mortgage to another … - rulebook.sama.gov.sa › 10681 — 3 rules, checked 2026-10-09
- rulebook.sama.gov.sa › transfer-real-estate-financing-debts — 1 rule, checked 2026-10-19
e.g. When another financier buys out your home finance, the new finance must … - rulebook.sama.gov.sa › 1948 — 2 rules, checked 2026-10-09