Riyad Bank helps you to own your dream home through flexible Shariah-compliance financing programs based on the principles of Murabaha and Ijara.

• Financing amount up to S..R 5 million
• Possibility of joint finance between the primary applicant + 3 first degree relatives
• Possibility of having more than one finance
• Ability to add/cancel joint applicants
• Possibility of early settlement / transfer ownership (Ihlal)/selling to a third party
• Cooperative insurance against all risks
• Exemption in case of death or permanent disability and transfer of ownership of the property to the heirs in accordance with the insurance coverage
• The possibility to calculate the financing amount to 77 years for the Governmental and Private sector, and 75 years to the Military sector

For Home Finance APR disclosure, click here

Terms and Conditions for Real Estate Financing

1. For salary-transfer and non-salary-transfer customers.
2. For Saudi customers.
3. Minimum age: 20 years.
4. All approved sectors.
5. Minimum salary starts from SAR 3,000.
6. Maximum financing tenure: 30 years.
7. Administrative fees are refundable after deducting VAT and excluding valuation fees.
8. Annual Percentage Rate starts from 7.24%.
9. Fixed term cost.
10. Full refund of administrative fees, net of VAT and excluding valuation fees.
11. The cashback amount will be deposited within 10 business days into the account through which the financing application was submitted.
12. The campaign is valid from 22/5/2026 to 31/5/2026.
13. The Bank reserves the right to approve applications based on the customer’s eligibility, product eligibility, and credit assessment for each customer.