SAMA caps LTVs at 90% for Saudi nationals on primary residence (first-time-buyer programmes can push higher with government support) and typically 70% for non-Saudi residents on freehold purchases.
Debt-service ratio cap: 55% of monthly income is the headline SAMA ceiling. In practice, banks stress-test at 65% to allow for rate moves.
Major lenders: Al Rajhi Bank, Saudi National Bank (SNB), Riyad Bank, Alinma and Banque Saudi Fransi have the deepest non-Saudi mortgage desks.
Rates: Saudi mortgages are typically tied to SAIBOR + a margin (150-250bps). Fixed-rate products are rarer than Gulf peers and expensive.
Saudi Data Sources
Commentary cross-referenced to GASTAT, REGA, SAMA, Ministry of Housing, SPR Center, MISA, and JLL / Knight Frank KSA quarterly reports.
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