Sharia-compliant residential home finance
Min salary
4k SAR
Rate
5.50%–8.50%
Max amount
5.0M SAR
Fastest approval
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| Product | Type | Rate | Min salary | Max amount | Salary transfer |
|---|---|---|---|---|---|
| REDF & MOH Finance | Mortgage | 5.50% – 8.50% | 4k SAR | 5.0M SAR | Not required |
| Ready Units | Mortgage | 5.50% – 8.50% | 4k SAR | 5.0M SAR | Not required |
| Self Construction | Mortgage | 5.50% – 8.50% | 4k SAR | 5.0M SAR | Not required |
| Land Finance | Mortgage | 5.50% – 8.50% | 4k SAR | 5.0M SAR | Not required |
| Equity Release | Mortgage | 5.50% – 8.50% | 4k SAR | 5.0M SAR | Not required |
| Off-Plan Finance | Mortgage | 5.50% – 8.50% | 4k SAR | 5.0M SAR | Not required |
SAMA-licensed
Regulated by Saudi authority
Multiple products
6 active financing products
Direct comparison
Compare against 33+ lenders, one application
The minimum salary at Saudi Home Loans starts from SAR 4k/month, varying by product type and applicant nationality. Saudi Home Loans offers 6 active financing products, each with its own salary floor — see the table below for per-product details.
Rates at Saudi Home Loans 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.
Saudi Home Loans'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, Saudi Home Loans 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 Saudi Home Loans and 33+ other SAMA-licensed lenders — directly comparing profit rate, monthly installment, and term. Zero commission, no obligation to accept any offer.
