Flat Rate
5.89%
Down Payment
Monthly Payment
Minimum Salary
Fees & Cost
5.89%
A financing product designed to help you purchase a property from the market—whether a completed unit, an unfinished property, or land—through Murabaha financing. Available to all customers, both subsidized and non-subsidized, Murabaha Home Finance offers a structured financial approach that empowers you to make confident decisions and secure the right property for your needs.
Own Your Dream Property with Flexible Financing
Administrative fees: equivalent to 1% of the financed amount, with a maximum limit of SAR 5,000.
• Financing without salary transfer.
• Financing up to the age of 75 years.
• Global limit request.
• The property should not be older than 30 years*
• The property needs to be located within an urban area
• The property should be built and equipped with services
• Service availability (water, electricity)
• ( Esterahah – chalet – Agriculture land- Villa – Residential Building – Commercial Building – Apartment)
• Price offer.
• Real estate deed and owner's details (name and contact information).
• Bring the legal agency and the ID of the legal agent (in the case of there is an agent for the owner).
• Municipality permission letter.
• Partitioning minutes if the property is divided.
• Completed real estate financing application form
· Fully
Sharia-compliant financing based on Murabaha.
· Providing
initial finance estimation to support better financial planning.
· Financing up
to SAR 10 million and available until the age of 75.
· Financing may
be accessible for non-accredited entities.
· Flexible
repayment terms of up to 25 years.
· Acceptance of
completed properties up to 30 years of construction.
· Option to
apply the flexible installment feature.
· Nationwide
real estate acceptance.
· Financing
available for unfinished property units.
· Salary
transfer not required for financing.
· Early payment
option.
· Debt waiver in
case of death or total disability (terms and conditions apply).
·
APR starting from 5.62%.
5.89%
A financing product that enables you to seamlessly transfer your existing real estate debt, whether under Ijara or Murabaha, from any financial institution to alinma. Available to all customers—both subsidized and non-subsidized—the Buyout Product provides enhanced convenience in managing your financial commitments.
• Financing without salary transfer.
• Financing up to the age of 75 years.
• Active current account at Alinma Bank
• The age of the property should not be more than 30 years.
• Property must be located within the urban area.
• Salary certificate
• ID card copy
• A letter of no objection to transferring the real estate indebtedness from the current financing entity
• Real estate financing application form.
• Submit real estate documents (a copy of the deed and building permit).
· Fully Sharia’h-compliant financing based on Murabaha.
· Initial financing estimates to support better financial planning.
· Option to reduce the current monthly installment.
· Financing up to SAR 10 million and available until the age of 75.
· Financing may be accessible for non-accredited entities.
· Flexible repayment terms of up to 25 years.
· Acceptance of completed properties up to 30 years of construction.
· Option to apply the flexible installment feature.
· Nationwide real estate acceptance.
· Financing available for unfinished property.
· Salary transfer not required for financing.
· Early payment option.
· No down payment required.
· Housing support transfer to eligible beneficiaries.
· Debt waiver in case of death or total disability (terms and
conditions apply).
· APR starting from 5.62%.
5.89%
designed to help you purchase land and construct your property with structured payments disbursed according to approved construction completion stages. With the option to mortgage the property, Land and Construction Financing is available to all customers—both subsidized and non-subsidized—offering financial flexibility and a smooth journey to homeownership.
• An active current account at Alinma bank.
• Assessment of the customer's creditworthiness.
Submitting the application through the bank's channels, providing the required documents.
·
Fully
Sharia-compliant financing based on Murabaha (goods).
·
Freedom
to select land anywhere in the Kingdom.
·
Freedom
to design and build your property.
·
Option
to purchase an old property, demolish it, and rebuild according to your needs.
·
Initial
financing estimates to support better financial planning.
·
Financing
up to SAR 10 million and available until the age of 75.
·
Financing
may be accessible for non-accredited entities.
·
Flexible
repayment terms of up to 25 years.
·
Option
to apply the flexible installment feature.
·
Salary
transfer not required for financing.
·
Early
payment option.
·
Debt
waiver in case of death or total disability (terms and conditions apply).
·
APR
starting from 5.62%.
5.89%
A financing product that enables you to build or complete your property with flexible payments disbursed according to approved construction completion stages—making it an ideal choice for all customers, whether subsidized or non-subsidized. With the option to mortgage the property, the Self-Construction product offers greater financial flexibility and a clearer path to homeownership.
• Customers must first be accepted into the REDF financing program.
• Property to be financed must be zoned for residential use only.
• Alinma Bank financing terms and conditions apply.
• Property to be financed must be zoned for residential use only.
• ID Copy.
Administrative fees: equivalent to 1% of the financed amount, with a maximum limit of SAR 5,000.
·
Fully
Sharia-compliant finance based on Murabaha.
·
Freedom
to design and build your property.
·
Providing
initial financing estimates to support better financial planning.
·
Financing
up to SAR 10 million and available until the age of 75.
·
No
down payment required.
·
Financing
may be accessible for non-accredited entities.
·
Flexible
repayment terms of up to 25 years.
·
Option
to apply the flexible installment feature.
·
Nationwide
real estate acceptance.
·
Salary
transfer not required for financing.
·
Early
payment option.
·
Debt
waiver in case of death or total disability (terms and conditions apply).
·
APR
starting from 5.62%.
5.89%
5% if the value of the property is less than SAR 800,000
A financing product that enables you to own a property unit before or during the construction phase from a selection of projects approved by Alinma. Based on Murabaha financing, Off-Plan is available to all customers—both subsidized and non-subsidized—offering flexible financing solutions designed to meet your needs at every stage of homeownership.
• The beneficiary has to have an approval from the Ministry of Housing on off-plan sale product.
• Aligned with the bank's credit terms and policies.
• Provide a copy of documents of the selected unit (price offer).
• ID Copy.
· Fully Sharia’h-compliant financing based on Murabaha (goods).
· Initial financing estimates to support better financial planning.
· No property evaluation required.
· Lower monthly installments during the construction phase (up to 36
months).
· Freedom to choose a unit from accredited projects.
· Financing up to SAR 10 million and available until the age of 75.
· Financing may be accessible for non-accredited entities.
· Flexible repayment terms of up to 25 years.
· Option to apply the flexible installment feature.
· Salary transfer not required for financing.
· Early payment option to ease financial commitments.
· Debt waiver in case of death or total disability (terms and
conditions apply).
· APR starting from 5.62%.
5.89%
A financing product that provides access to cash through equity release financing, leveraging your existing property as collateral. Available to all customers—both subsidized and non-subsidized—Equity Release Financing offers flexible repayment terms tailored to your financial needs, giving you greater financial control and a structured approach to achieving your goals with confidence.
Matching Alinma bank's credit terms and policies.
• Copy of the deed of the property to be mortgaged
• Copy of building permission.
• ID Copy.
· Fully Sharia’h-compliant finance based on Murabaha (shares/goods).
· Providing an initial finance calculation.
· Freedom to choose the property to be mortgaged (completed unit,
land)
· Financing up to 90% of the value of the mortgaged property.
· Financing up to SAR 10 Million.
· Possibility of financing non-accredited entities.
· Settlement period up to 25 years.
· Possibility of applying the flexible installment feature.
· Acceptance of real estate all over the Kingdom.
· Finance without salary transfer.
· Early payment option.
· No down payment.
· No Property transactions tax.
· Exemption of beneficiaries in case of death or total disability,
God forbid (terms and conditions apply).
· APR starting from 5.62%.
5.89%
No down payment required
Administrative and property evaluation fees of 1%, capped at SAR 5,000
A financing product that allows you to refinance your existing real estate loan with Alinma, providing access to additional funds. Available to all non-subsidized customers, the Real Estate Refinance Product offers flexible repayment options designed to suit your financial needs.
Refinance Your Property and Access Additional Funds with Ease
• Fully Sharia-compliant financing based on Murabaha (goods).
• Access the difference in amount after settling your existing real estate
debt.
• Initial financing estimates to support better financial planning.
• Financing up to SAR 10 million and available until the age of 75.
• Financing may be accessible for non-accredited entities.
• Flexible repayment terms of up to 25 years.
• Acceptance of ready properties up to 30 years old.
• Option to apply the flexible installment feature.
• Nationwide property acceptance.
• No down payment required.
• Exemption from real estate transaction tax.
• Salary transfer not required for financing.
• Structured monthly repayment schedule for better financial planning.
• Early payment option to ease financial commitments.
• Debt waiver in case of death or total disability (terms and conditions
apply).
• Administrative and property evaluation fees of 1%, capped at SAR 5,000.
• APR starting from 7.50%.