What is the maximum Debt Burden Ratio (DBR) for Saudi mortgages?

SAMA caps total monthly debt deductions at 55% of net monthly income for standard financing, and up to 65% for beneficiaries of Ministry of Housing (Sakani) subsidies.

What is the minimum down payment required for Saudi home loans?

The minimum down payment for first-time Saudi home buyers is 5% to 10% (Loan-to-Value LTV of 90%-95%), whereas non-primary or investment properties require up to 30% equity.

Saudi ArabiaUpdated for 2026Finance & Salary

Saudi Mortgage APR & Decreasing Amortization Calculator 2026

Calculate monthly home loan installments, decreasing principal vs. profit schedules, and true Annual Percentage Rate (APR) compliant with SAMA Responsible Lending Principles.

Mortgages & Home Loans Monthly Installments Interest Rates & APR Real Estate & Property

Calculated Result

Estimated Monthly Mortgage Installment

7,696.58

Calculator Inputs

Property Purchase Price (SAR)

SAR

Quick select:

Down Payment (SAR)

SAR

Loan Tenure (Years)25 Yrs

5 Yrs30 Yrs

Annual Percentage Rate APR (%)

Calculated Result

Estimated Monthly Mortgage Installment

7,696.58

Total Financing Profit (Interest)

958,974

Total Lifetime Amount Repaid

2,308,974

Net Financed Principal

1,350,000

Loan-to-Value Ratio (LTV)

Calculation Methodology

Monthly Payment = [Principal × Monthly Rate × (1 + Monthly Rate)^n] / [(1 + Monthly Rate)^n - 1].

Financial & Statutory Disclaimer

Financing terms and debt-burden ratios (DBR) are capped at 55%-65% of monthly salary in accordance with SAMA consumer protection rules.

This calculator is designed for educational and informational purposes based on publicly declared statutory frameworks. The outputs do not constitute binding financial, tax, or legal advice. We assume no liability for decisions made based on these estimates. Always verify with the relevant official authorities or a certified professional advisor.

Frequently Asked Questions

Flat rate is a simple calculation on the original principal, whereas APR (Annual Percentage Rate) reflects the total cost of credit on a reducing balance basis, incorporating administrative, valuation, and insurance charges as mandated by SAMA.