Due Diligence Checklist

REGA deed (صك عقاري) verified on Najiz

Najiz is the official Saudi deeds portal — no REGA deed, no deal.

Chain of title clean (no liens / encumbrances)

Check for registered mortgages, disputes, or court orders.

Foreign-ownership eligibility confirmed (if non-Saudi)

Must be a designated investment zone. Not Makkah or Medina.

Seller authority verified (power of attorney if applicable)

For corporate sellers: board resolution + commercial registration.

Wafi licence verified (off-plan projects only)

Ministry of Housing's off-plan sales licensing scheme — escrow account required.

Escrow account details in SPA

Payments to developer must flow through regulated escrow.

Delivery date and penalty clauses reviewed

Saudi off-plan projects can slip — ensure liquidated damages are enforceable.

Existing Ejar contract (if tenanted) reviewed

Rent payment history verified from Ejar portal

Tenant deposit recorded in Ejar

Mortgage pre-approval secured (for financed purchase)

SAMA LTV cap confirmed for residency profile

RETT (5%) accounted for in deal economics

VAT on agency / legal services (15%) budgeted

Structural survey completed

Utilities (electricity, water, SEWA) in good standing

Service charge history reviewed (compound / tower)

Building owners' association accounts reviewed

Zoning and use-class confirmed with municipality

White Land Tax status checked (if vacant plot)

Any pending municipal dues / violations cleared