Residential home finance
Min salary
10k SAR
Rate
5.50%–8.50%
Max amount
5.0M SAR
Fastest approval
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| Product |
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| Type |
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| Rate |
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| Min salary |
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| Max amount |
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| Salary transfer |
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| Self-Build Finance | Mortgage | 5.50% – 8.50% | 10k SAR | 5.0M SAR | Not required |
| Land Purchase Finance | Mortgage | 5.50% – 8.50% | 10k SAR | 5.0M SAR | Not required |
| Ready Unit Home Finance | Mortgage | 5.50% – 8.50% | 10k SAR | 5.0M SAR | Not required |
| Buy & Lease Back | Mortgage | 5.50% – 8.50% | 10k SAR | 5.0M SAR | Not required |
| Expat Home Financing | Mortgage | 5.50% – 8.50% | 10k SAR | 5.0M SAR | Not required |
SAMA-licensed
Regulated by Saudi authority
Multiple products
5 active financing products
Direct comparison
Compare against 33+ lenders, one application
The minimum salary at Bidaya Home Finance starts from SAR 10k/month, varying by product type and applicant nationality. Bidaya Home Finance offers 5 active financing products, each with its own salary floor — see the table below for per-product details.
Rates at Bidaya Home Finance range from 5.50% to 8.50% APR, depending on product, credit profile, salary, and term length. Advertised rate does not reflect individual offers — actual rate is confirmed after SIMAH check and underwriting.
Bidaya Home Finance's maximum financing reaches SAR 5.0M, depending on product and borrower capacity. Eligibility calculation follows SAMA's 45% Debt Burden Ratio (DBR) cap.
Yes, Bidaya Home Finance accepts residents on some products under specific terms (valid residency tenure, higher salary threshold, sometimes a Saudi guarantor). Terms vary per product.
Submit one application via Diro and you'll get offers from Bidaya Home Finance and 33+ other SAMA-licensed lenders — directly comparing profit rate, monthly installment, and term. Zero commission, no obligation to accept any offer.
