Mortgage calculator
Know your payment before you start
See your monthly payment, debt-burden ratio and borrowing limit, calculated against the financing rules set by the Saudi Central Bank (SAMA).
Buyer profile
- Finance amount
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- Down payment
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- Total profit paid
- SAR …
- Total repaid
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- Approx. maximum price
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- Cash needed upfront (est.)
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- · Real Estate Transaction Tax (5%)
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- · Brokerage (2.5% + VAT)
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Yearly payment split
Estimates only. Figures are indicative and do not constitute financial advice or a financing offer.
Pre-qualification
Compare bank finance offers
We compare offers from Saudi banks and coordinate the valuation and paperwork. Send your details and we will come back with the options open to you.
How we calculate
- Payments use a standard reducing-balance formula with the annual percentage rate (APR) that Saudi banks publish.
- Maximum finance per SAMA: 90% of value for a Saudi citizen’s first home and 70% for an additional home. Banks typically ask non-Saudi borrowers for at least 30% down.
- Debt-burden caps: 55% of salary for incomes up to SAR 15,000 (65% for Sakani beneficiaries) and 65% above that. Each bank sets its own policy within these limits.
- Saudi citizens are exempt from the transaction tax on the first SAR 1 million of a first home.
Can foreigners buy property in Saudi Arabia?
Yes, within limits. Saudi Arabia’s updated law on real estate ownership by non-Saudis took effect in January 2026. It allows ownership in designated geographic zones, and legal residents can generally own a home for personal use. Eligibility depends on your residency status, the property’s zone and the published geographic scope. PrimeSpace checks all three before any offer is made.
How much deposit do I need for a mortgage in Saudi Arabia?
Saudi citizens buying their first home can borrow up to 90% of the property value under SAMA rules, so the minimum down payment is 10%. Second homes and most non-Saudi borrowers typically need 30% or more. Banks also cap total monthly debt repayments as a share of salary (the debt-burden ratio), which our mortgage calculator checks for you.
What are the costs of buying property in Saudi Arabia?
Budget for the 5% Real Estate Transaction Tax (Saudi citizens are exempt on the first SAR 1 million of a first home), a brokerage commission of up to 2.5% plus VAT, and bank valuation and arrangement fees if you finance. Our return calculator includes these costs, so your yield is worked out on the real all-in cost.