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Saudi Arabia Mortgage Calculator

Calculate your home financing for properties in Saudi Arabia with Islamic financing and Sakani program support

Loan Details
Enter your mortgage information to get accurate calculations

‏٣٠٠٬٠٠٠ ر.س.‏

20.0% of home price (‏٦٠٬٠٠٠ ر.س.‏)

Additional Costs
Monthly expenses beyond mortgage

‏٣٬٠٠٠ ر.س.‏

‏١٬٢٠٠ ر.س.‏

Required if down payment < 20% (‏٠ ر.س.‏)

‏٠ ر.س.‏

Extra Payments
Pay off your mortgage faster

Monthly Payment

‏١٬٥١٧ ر.س.‏

Principal & Interest

Total Monthly

‏١٬٨٦٧ ر.س.‏

Including all costs

Total Interest

‏٣٠٦٬١٠٧ ر.س.‏

Over life of loan

Total Cost

‏٥٤٦٬١٠٧ ر.س.‏

Principal + Interest

Payment Breakdown

Total Cost

‏٥٤٦٬١٠٧ ر.س.‏
Over 30 years

Principal

‏٢٤٠٬٠٠٠ ر.س.‏
43.9% of total

Interest

‏٣٠٦٬١٠٧ ر.س.‏
56.1% of total

Payment Breakdown

Principal43.9%
‏٢٤٠٬٠٠٠ ر.س.‏
Interest56.1%
‏٣٠٦٬١٠٧ ر.س.‏
Interest vs Principal Ratio
You'll pay 56% in interest
That's ‏٦٦٬١٠٧ ر.س.‏ more than the original loan amount
Amortization Schedule
See how your loan balance decreases over time
YearPaymentPrincipalInterestBalance
1‏١٬٥١٧ ر.س.‏‏٢١٧ ر.س.‏‏١٬٣٠٠ ر.س.‏‏٢٣٩٬٧٨٣ ر.س.‏
1‏١٬٥١٧ ر.س.‏‏٢٣٠ ر.س.‏‏١٬٢٨٧ ر.س.‏‏٢٣٧٬٣١٧ ر.س.‏
2‏١٬٥١٧ ر.س.‏‏٢٤٦ ر.س.‏‏١٬٢٧١ ر.س.‏‏٢٣٤٬٤٥٥ ر.س.‏
3‏١٬٥١٧ ر.س.‏‏٢٦٢ ر.س.‏‏١٬٢٥٥ ر.س.‏‏٢٣١٬٤٠١ ر.س.‏
4‏١٬٥١٧ ر.س.‏‏٢٨٠ ر.س.‏‏١٬٢٣٧ ر.س.‏‏٢٢٨٬١٤٣ ر.س.‏
5‏١٬٥١٧ ر.س.‏‏٢٩٨ ر.س.‏‏١٬٢١٩ ر.س.‏‏٢٢٤٬٦٦٦ ر.س.‏
6‏١٬٥١٧ ر.س.‏‏٣١٨ ر.س.‏‏١٬١٩٩ ر.س.‏‏٢٢٠٬٩٥٧ ر.س.‏
7‏١٬٥١٧ ر.س.‏‏٣٤٠ ر.س.‏‏١٬١٧٧ ر.س.‏‏٢١٦٬٩٩٩ ر.س.‏
8‏١٬٥١٧ ر.س.‏‏٣٦٢ ر.س.‏‏١٬١٥٥ ر.س.‏‏٢١٢٬٧٧٦ ر.س.‏
9‏١٬٥١٧ ر.س.‏‏٣٨٧ ر.س.‏‏١٬١٣٠ ر.س.‏‏٢٠٨٬٢٧٠ ر.س.‏
10‏١٬٥١٧ ر.س.‏‏٤١٣ ر.س.‏‏١٬١٠٤ ر.س.‏‏٢٠٣٬٤٦٣ ر.س.‏
11‏١٬٥١٧ ر.س.‏‏٤٤٠ ر.س.‏‏١٬٠٧٧ ر.س.‏‏١٩٨٬٣٣٣ ر.س.‏
12‏١٬٥١٧ ر.س.‏‏٤٧٠ ر.س.‏‏١٬٠٤٧ ر.س.‏‏١٩٢٬٨٦٠ ر.س.‏
13‏١٬٥١٧ ر.س.‏‏٥٠١ ر.س.‏‏١٬٠١٦ ر.س.‏‏١٨٧٬٠٢١ ر.س.‏
14‏١٬٥١٧ ر.س.‏‏٥٣٥ ر.س.‏‏٩٨٢ ر.س.‏‏١٨٠٬٧٩٠ ر.س.‏
15‏١٬٥١٧ ر.س.‏‏٥٧١ ر.س.‏‏٩٤٦ ر.س.‏‏١٧٤٬١٤٢ ر.س.‏
16‏١٬٥١٧ ر.س.‏‏٦٠٩ ر.س.‏‏٩٠٨ ر.س.‏‏١٦٧٬٠٤٩ ر.س.‏
17‏١٬٥١٧ ر.س.‏‏٦٥٠ ر.س.‏‏٨٦٧ ر.س.‏‏١٥٩٬٤٨١ ر.س.‏
18‏١٬٥١٧ ر.س.‏‏٦٩٣ ر.س.‏‏٨٢٤ ر.س.‏‏١٥١٬٤٠٥ ر.س.‏
19‏١٬٥١٧ ر.س.‏‏٧٤٠ ر.س.‏‏٧٧٧ ر.س.‏‏١٤٢٬٧٩٠ ر.س.‏
20‏١٬٥١٧ ر.س.‏‏٧٨٩ ر.س.‏‏٧٢٨ ر.س.‏‏١٣٣٬٥٩٧ ر.س.‏
21‏١٬٥١٧ ر.س.‏‏٨٤٢ ر.س.‏‏٦٧٥ ر.س.‏‏١٢٣٬٧٨٨ ر.س.‏
22‏١٬٥١٧ ر.س.‏‏٨٩٨ ر.س.‏‏٦١٩ ر.س.‏‏١١٣٬٣٢٣ ر.س.‏
23‏١٬٥١٧ ر.س.‏‏٩٥٨ ر.س.‏‏٥٥٩ ر.س.‏‏١٠٢٬١٥٦ ر.س.‏
24‏١٬٥١٧ ر.س.‏‏١٬٠٢٣ ر.س.‏‏٤٩٤ ر.س.‏‏٩٠٬٢٤٢ ر.س.‏
25‏١٬٥١٧ ر.س.‏‏١٬٠٩١ ر.س.‏‏٤٢٦ ر.س.‏‏٧٧٬٥٣٠ ر.س.‏
26‏١٬٥١٧ ر.س.‏‏١٬١٦٤ ر.س.‏‏٣٥٣ ر.س.‏‏٦٣٬٩٦٧ ر.س.‏
27‏١٬٥١٧ ر.س.‏‏١٬٢٤٢ ر.س.‏‏٢٧٥ ر.س.‏‏٤٩٬٤٩٥ ر.س.‏
28‏١٬٥١٧ ر.س.‏‏١٬٣٢٥ ر.س.‏‏١٩٢ ر.س.‏‏٣٤٬٠٥٤ ر.س.‏
29‏١٬٥١٧ ر.س.‏‏١٬٤١٤ ر.س.‏‏١٠٣ ر.س.‏‏١٧٬٥٧٩ ر.س.‏
30‏١٬٥١٧ ر.س.‏‏١٬٥٠٩ ر.س.‏‏٨ ر.س.‏‏٠ ر.س.‏

Saudi Arabia Home Financing Guide

Our comprehensive Saudi Arabia mortgage calculator is designed for the Kingdom's unique financing market. Whether you're buying in Riyadh, Jeddah, or Dammam, our calculator accounts for Islamic (Sharia-compliant) financing options, Sakani program subsidies, and Vision 2030 homeownership initiatives with no property tax.

Saudi Home Financing Features

Islamic Financing:Sharia-compliant options including Murabaha, Ijara, and Tawarruq.
Sakani Program:Government subsidies reducing interest rates and monthly payments.
High LTV:Up to 90% financing for first property, 70% for second property.
No Property Tax:Saudi Arabia has no annual property tax, only 2.5% registration fee.
Vision 2030:Government initiatives supporting 70% homeownership target.
Flexible Terms:Loan tenure up to 25-30 years with competitive rates.

Saudi Mortgage Market Overview

Saudi Arabia's mortgage market has transformed under Vision 2030, with SAMA (Saudi Arabian Monetary Authority) implementing regulations to increase homeownership. Most financing follows Islamic principles, ensuring Sharia compliance. The Sakani program provides substantial government support through interest rate subsidies, down payment assistance, and land grants. With no annual property tax, Saudi homeownership is increasingly accessible for citizens.