Finance

Saudi Real-Estate Mortgage Calculator

Calculate your monthly installment and total real-estate financing cost under SAMA rules (10%/30% down payment, debt burden ratio), and find the maximum property price you can actually afford based on your salary and obligations — not just a single property check.

Property type

Property price

Your available down payment (optional) Leave blank to use the regulatory minimum automatically. If you enter less than the minimum, it will be auto-raised to the allowed minimum.

Annual profit rate offered (%) Always compare based on the effective APR that banks are required to disclose, not just the advertised rate.

Financing term in years

Your monthly salary (net)

Other existing monthly obligations (optional) Other existing loan/financing installments (car, personal, credit card) that reduce your capacity for a new mortgage installment.

Allowed debt burden ratio (DBR %) SAMA's general announced ceiling is 65%, but some banks apply a stricter internal cap (some recently down to 55%) — confirm your actual limit with the bank.

Enter your details and press "Calculate" to see your result here.

About this calculator

What the result means

The Saudi Central Bank (SAMA) regulates the real-estate financing market with two main controls: first, loan-to-value (LTV) — up to 90% for a first home (i.e. a 10% minimum down payment), and up to 70% for a second or investment home (30% minimum down payment). Second, the debt burden ratio (DBR) — your total monthly obligations (the mortgage plus any other existing loans) must not exceed a certain share of your salary, generally announced by SAMA at 65%, though banks sometimes apply it more conservatively based on internal policy and your credit profile. The monthly installment itself is calculated with the standard annuity formula, spreading the financed amount and its profit over a fixed number of equal installments across the term.

Recommendation

Always compare offers based on the effective APR, which includes all fees, not just the advertised rate — a one-point difference on a large loan can mean tens or hundreds of thousands of riyals over the long term. If you qualify for Real Estate Development Fund (Sakani) support, check your eligibility via the Sakani platform before applying directly to the bank, as it may reduce your down payment to 5% and subsidize part of the profit margin. Remember that shortening the financing term raises the monthly installment but significantly lowers the total profit paid — if your budget allows, every year you shorten saves a meaningful amount. Before signing any offer, calculate your actual net salary with the net-salary calculator to make sure the figure you're basing your debt-burden calculation on is accurate.

Frequently asked questions

Can I get financing with less than a 10% down payment?

Yes, through the Sakani program and Real Estate Development Fund support for eligible Saudi citizens, the down payment may drop to 5% for properties under a certain price cap (typically 800,000 SAR for full support). Check your eligibility via the Sakani platform.

What's the difference between the advertised rate and the effective APR?

The advertised rate is only the base profit margin, while the APR includes all additional fees (file opening, valuation, documentation) spread over the term — SAMA requires banks to disclose it to enable fair comparison between offers.

Can I repay the financing early without penalty?

Yes, the borrower has the right to repay the financing early under SAMA rules, though limited early-repayment fees may apply depending on the financing contract and timing — check the early-repayment clause in your specific contract.

Does the DBR include all my loans or just the mortgage?

It includes all your combined financing obligations: the mortgage, car loans, personal financing, and even used credit-card limits — not just the new mortgage alone.

Why was my down payment automatically raised in the result?

Because the amount you entered is below the regulatory minimum (10% for a first home, 30% for a second) required under SAMA rules — no bank can finance you with a lower down payment except under exceptional support programs like the Real Estate Development Fund.