What LTV does SAMA allow for Saudi nationals?

The Saudi Arabian Monetary Authority (SAMA) allows up to 90% LTV for Saudi nationals purchasing a first home valued at SAR 1.25 million or less; otherwise 85% LTV applies.

Is there a stamp duty or property transfer tax in Saudi Arabia?

Saudi Arabia does not levy a stamp duty. However, a 15% VAT applies to the sale of commercial property and to first-time sale of residential property by developers.

Saudi Arabia Real Estate Mortgage Calculator

Calculate monthly mortgage repayments for Saudi Arabia property purchases. SAMA caps mortgage financing at 90% LTV for Saudi nationals on first properties (value ≤SAR 1.25m). The Real Estate General Authority (REGA) oversees market regulations.

Principal ($)

Annual Rate (%)

Years

Compounding / Year

$ Finance Disclaimer: These calculators are for educational and illustrative purposes only. Results do not constitute financial advice. Consult a licensed financial advisor before making investment or borrowing decisions.

How to Use

Enter the values for the scenario you are assessing. Calculate monthly mortgage repayments for Saudi Arabia property purchases. SAMA caps mortgage financing at 90% LTV for Saudi nationals on first properties (value ≤SAR 1.25m). The Real Estate General Authority (REGA) oversees market regulations. Use the saudi mortgage result to inform your calculation.

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Frequently Asked Questions

What LTV does SAMA allow for Saudi nationals?

Is there a stamp duty or property transfer tax in Saudi Arabia?