‎Home loans to individuals up to SAR 6.3B in April: SAMA

Residential mortgages granted to individuals by banks in Saudi Arabia rose slightly by 0.5% year-on-year (YoY) to SAR 6.33 billion in April 2026, marking the first increase following a series of nine consecutive declines.

Nearly 9,600 contracts were concluded between banks and individuals in April.

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The average value of new residential mortgages declined by 14% YoY to SAR 661,000 during the same month.

Financing for residential villas accounted for the largest share of the total mortgages provided by banks, with a value of SAR 4.19 billion (66%), the highest in 11 months.

Residential apartments came in second place with SAR 1.78 billion, while land plots reached approximately SAR 356 million.

Residential Mortgages to Individuals by Product Type (SAR mln)*

Period

Villas

Apartments

Land Plots

January 2025

6638

3351

475

February

5573

2899

436

March

5186

2798

415

April

3930

2064

304

May

4992

1850

534

June

3259

1577

482

July

4114

1931

371

August

3741

1762

357

September

3692

1826

303

October

3668

1522

357

November

2872

1295

297

December

3774

1428

346

January 2026

4079

1699

411

February

3425

1616

330

March

2614

1293

280

April

4190

1780

356

Residential mortgages granted to individuals by financing firmsedged upby 24% YoY to SAR 265 million in April.

Residential Mortgages to Individuals from Financing Firms (SAR mln)*

Period

2025

2026

Change

January

224

176

(21%)

February

198

241

+22%

March

197

168

(15%)

April

214

265

+24%

May

191

—

—

June

169

—

—

July

185

—

—

August

167

—

—

September

206

—

—

October

217

—

—

November

301

—

—

December

219

—

—

Residential mortgages granted to individuals by banks in Saudi Arabia rose slightly by 0.5% year-on-year (YoY) to SAR 6.33 billion in April 2026, marking the first increase following a series of nine consecutive declines.

Nearly 9,600 contracts were concluded between banks and individuals in April.

The average value of new residential mortgages declined by 14% YoY to SAR 661,000 during the same month.

Financing for residential villas accounted for the largest share of the total mortgages provided by banks, with a value of SAR 4.19 billion (66%), the highest in 11 months.

Residential apartments came in second place with SAR 1.78 billion, while land plots reached approximately SAR 356 million.

Residential Mortgages to Individuals by Product Type (SAR mln)*

Period

Villas

Apartments

Land Plots

January 2025

6638

3351

475

February

5573

2899

436

March

5186

2798

415

April

3930

2064

304

May

4992

1850

534

June

3259

1577

482

July

4114

1931

371

August

3741

1762

357

September

3692

1826

303

October

3668

1522

357

November

2872

1295

297

December

3774

1428

346

January 2026

4079

1699

411

February

3425

1616

330

March

2614

1293

280

April

4190

1780

356

Residential mortgages granted to individuals by financing firmsedged upby 24% YoY to SAR 265 million in April.

Residential Mortgages to Individuals from Financing Firms (SAR mln)*

Period

2025

2026

Change

January

224

176

(21%)

February

198

241

+22%

March

197

168

(15%)

April

214

265

+24%

May

191

—

—

June

169

—

—

July

185

—

—

August

167

—

—

September

206

—

—

October

217

—

—

November

301

—

—

December

219

—

—