• Completed application for Murabaha Financing.

• Salary certificate.

• Salary transfer letter from the employer.

• Salary certificate from the employer specifying salary details, current position, and number of years in service.

• Salary assignment letter through “SARE” indorsed by the employer.

• Copy of valid national identification card/Iqama.

Applicant should be 18 years old or more.

• Sharia compliant.

• Possibility of financing pensioners up to the age of 72.

• With salary transfer, outstanding balance will be waived in case of death.

• Completed application for Murabaha Financing.

• Salary certificate.

• Salary transfer letter from the employer.

• Salary certificate from the employer specifying salary details, current position, and number of years in service.

• Salary assignment letter through “SARE” indorsed by the employer.

• Copy of valid national identification card/Iqama.

Applicant should be 18 years old or more.

• Shari’a compliant.

• Special packages for Saudis & Residents.

• Balance transfer from other banks.

• Easy and quick processing.

• Competitive profit margin rates.

• Your additional income is included in the Tawarruq program.

• Completed application for “Financing without Salary Transfer”

• Salary certificate

• Copy of valid national identification card/Iqama.

• Minimum age for Saudis is 23 years

• Personal Finance without Salary Transfer (bank employees only)

• Applicant should be working with the current employer for at least 1 year at the date of applying

• Minimum net monthly income of 10,000 SAR

• Total liabilities in all banks (including Riyad Bank) must not exceed 33% of the salary

• Approved by Riyad Bank’s Shari’a Committee.

• Repayment period up to 5 years.

• Available for Saudis Only (Bank and Bank Subsidiary companies employees).

• Competitive profit margin.

• Flexible payment options.

• Financing amount up to SAR 500,000.

• The merchant has to fill the form with the customer information.

• The Customer must deliver the form to any of Riyad Bank branches.

• The customer should be eligible according to Personal Finance program policies.

• Once the customer request have been approved, the customer will receive the approved copy to deliver it to the entity.

• Customer’s age must be 18 years or above for Saudis and 22 years or above for non-Saudis.

• The customer must be from the government / military / semi-governmental sector / or from the companies approved by Riyad bank from the private sector, in addition to retired customers.

• Compatible with the provisions of Islamic Sharia.

• Easy and fast procedures.

• Flexible repayment period starting from 6 months up to 36 months (as per the agreement with the entity).

• Exemption of heirs from the amounts due in the event of death (God forbid).

• No margin and no administration fee.

• The merchant has to fill the form with the customer information, product amount, and to be stamped.

• The Customer must deliver the form to any of Riyad Bank branches, to validate the customer eligibility according to Personal Finance program polices.

• Once the customer request have been approved, the amount will be deposited into the merchant’s account in exchange to benefit from the required product or service.

• Customer must not be less than 18 years old for Saudis.

• Customer must not be less than 22 years old for non-Saudis.

• Sharia Complaint.

• Waived Profit margin.

• No Administrative fees.

• Salary transfer is not required.

• Expedite Procedures.

• Flexible Payment plan starts from 6 to 36 months (Depending on the agreement with the merchant).

• Financing amount starts from 5,000 SAR up to 200,000 SAR. (Depending on the agreement with the merchant).

• Outstanding balance will be waived in case of death.

• The customer must be an employee of the government / military / semi-government, or an approved company from the private sector, in addition to retired customers.

• Available for customers who are qualified for Personal Finance program (new financing or additional financing.

500 SAR

• The merchant has to fill the form with the customer information.

• The Customer must deliver the form to any of Riyad Bank branches.

• The customer should be eligible according to Personal Finance program policies.

• Once the customer request have been approved, the customer will receive the approved copy to deliver it to the entity.

• The age must not be less than 18 years old for Saudis.

• The age must not be less than 22 years old for non-Saudis.

• 0% profit margin.

• Service valid for one year with the possibility of stopping it at any time.

• Shariah- compliant.

• Get 25% of the monthly salary immediately.

• The merchant has to fill the form with the customer information.

• The Customer must deliver the form to any of Riyad Bank branches.

• The customer should be eligible according to Personal Finance program policies.

• Once the customer request have been approved, the customer will receive the approved copy to deliver it to the entity.

Minimum age is 18 years for Saudis.

• Sharia-compliant.

• Competitive profit margin.

• Easy and convenient procedures.

• Payment of current financial liabilities in other banks and companies (personal loan, credit cards, home finance, auto lease).

• Finance up to 500,000 SAR for non-approved entities and 3 million SAR for approved entities.

• Personal finance up to 60 months.

• Shariah compliant.

• Outstanding balance will be waived in case of death.

Minimum age of 25 years.

• Sharia-compliant.

• Competitive profit margin.

• Easy and convenient procedures.

• Outstanding balance will be waived in case of death.

• Offer is for Saudi customers, and (Gold, Diamond and Private banking) non-Saudis customers.

• Maximum finance of 500,000 SAR.

• Minimum finance of 50,000 SAR.

• Service period must be 12 months or more.