1. Compare financing costs and fees
2. Choose a repayment term that fits your budget
3. Ensure you meet the eligibility criteria
4. Check for early repayment fees
5. Compare real estate financing offers through Arib platform
6. Choose the best real estate financing offer with competitive rates and flexible payment options
7. Apply online with ease — anytime, anywhere

In Saudi Arabia, several types of real estate financing are available, all in compliance with Islamic Sharia principles, designed to meet the diverse needs of customers. The main types include:
- Ready Property Financing
- Off-Plan Property Financing 
- Real Estate Financing Supported by the Real Estate Development Fund (Sakani Program)
- Self-Build Financing
- Land Purchase Financing
- Mortgage Financing (Refinancing)

- The applicant must be employed and registered with Social Insurance (GOSI)
- Minimum salary requirement: 4,000 SAR
- If the applicant is a resident, their residency permit must be valid, and they must obtain the necessary approvals and permits from the relevant authorities to own property as a foreigner.
- For Saudi nationals, a valid national ID is required
- Maximum age limit: 65 years
- The applicant’s credit profile must align with the finance provider’s credit policy
- Monthly installment and financial obligations must not exceed the maximum limit set by the Saudi Central Bank
- There are specific requirements for the property itself, such as the property offer price, the title deed, and building permits.

Yes, some financing providers "banks and Real Estate Financing Companies" offer programs with no down payment, especially for beneficiaries of REDF.

The repayment period is up to 30 years, depending on the agreement with the finance provider.