Saudi Mortgage Calculator 2026: Compare Home Finance Rates
Calculate monthly home finance in Saudi Arabia: compare bank-published APRs under SAMA disclosure rules, applicable LTV tiers, debt-burden rules, and profit margins.
Mortgage Calculation Fundamentals & DBR Limits
How Saudi Mortgage Payments and Eligibility Are Calculated Across Banks: Home financing in Saudi Arabia follows Saudi Central Bank (SAMA) retail credit regulations. The statutory Debt-Burden Ratio (DBR) is capped at 55% of monthly salary for incomes below SAR 10,000, and 65% for incomes of SAR 10,000 and above (as well as 65% for retirees). Minimum down payments are 5% for first-time Saudi homebuyers (qualifying units/Sakani), 10% for standard first homes up to SAR 5M, 30% for second/investment homes, and 20% to 30% for expatriates. Installments follow reducing-balance amortization based on property value, equity contribution, term (up to 30 years), and published APR (typically 4.10% to 8.50%). Admin fees are capped at 1% up to SAR 5,000 + 15% VAT, and early settlement compensation is limited to 3 months profit.
Key Saudi Mortgage Products & Lender Terms (SAMA Regulated)
| Bank | Program | Published APR | Min Salary | Salary Transfer | Down Payment | Max Term |
|---|---|---|---|---|---|---|
| Al Rajhi Bank | Residential Real Estate Finance | 4.10% – 7.80% | SAR 3,000 | With & Without Transfer | 5% 1st home / 30% 2nd | 30 Years |
| SNB | Home Finance Solutions | 4.25% – 7.95% | SAR 3,000 | Required | 5%–10% 1st / 30% 2nd | 30 Years |
| Riyad Bank | Bait Al Riyad Home Finance | 4.40% – 8.15% | SAR 4,000 | Available Without Transfer | 5%–10% 1st / 30% 2nd | 30 Years |