Saudi Mortgage Calculator: Monthly Payment & Home Finance Cost
Calculate an estimated Saudi mortgage or home-finance monthly payment, compare down payments, rates and terms, and see the total financing cost.
Mortgage Calculation Fundamentals
How Saudi Mortgage Payments are Calculated: Home financing calculations in Saudi Arabia follow strict Saudi Central Bank (SAMA) retail credit rules. The maximum statutory Debt-Burden Ratio (DBR) for home finance is 55% of verifiable monthly salary (or 65% for qualifying pension/retirees). Minimum statutory down payments are 10% for first-time Saudi homebuyers (on properties up to SAR 5M), and 15% to 30% for second homes or expatriate borrowers. Installments follow reducing-balance amortization based on property value, equity contribution, repayment duration (up to 30 years), and the lender's annual profit rate (fixed or variable APR).