Who qualifies for 100% profit rate subsidy?

Beneficiaries with monthly verified household income of 14,000 SAR or less qualify for full 100% profit rate subsidies on loans up to 500,000 SAR.

Is the 150k SAR grant repayable?

No, it is a non-refundable development grant supported by the Saudi Ministry of Housing and REDF.

Saudi ArabiaSaudi Sakani Subsidy 150kFinance & Salary

Saudi Sakani Housing Subsidy Calculator 2026 (150k Non-Refundable Grant & Matrix)

Calculate official Saudi housing subsidies from the Sakani Program and Real Estate Development Fund (REDF): upfront non-refundable cash grants (100k or 150k SAR) or monthly profit subsidies in SAR.

Mortgages & Home Loans Housing & Residential Real Estate & Property

Calculated Result

Upfront Non-Refundable Cash Grant

0 SAR

Calculator Inputs

Verified Monthly Income of Head of Family (SAR)

SAR

Quick select:

Sakani Subsidy Program Type

Total Requested Bank Mortgage Principal (SAR)

SAR

Quick select:

Calculated Result

Upfront Non-Refundable Cash Grant

0SAR

Government Profit Subsidy Coverage Rate

0 SAR

Net Effective Loan Principal After Grant

0 SAR

Calculation Methodology

Option A (Direct Cash Grant): 100,000 or 150,000 SAR non-refundable upfront lump sum. Option B (Interest Subsidy Matrix): 100% profit subsidy for monthly incomes ≤ 14,000 SAR (up to 500,000 SAR loan principal), or tiered 70%-95% subsidies for higher incomes.

Important Legal & Educational Disclaimer

Calculated in accordance with updated Ministry of Municipalities & Housing and REDF subsidy regulations.

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