Samba Home Finance - Ready / Under Construction Villas

Minimum Salary needed SR 5,000
Maximum amount available SR 5 million
Length of Loan 30 years
Profit Rate Not mentioned
Upfront Fees ( if any ) Not mentioned
Eligibility You should be a Saudi national who is at least 22 years of age; You should be working for a Samba-approved government, semi-government or private employer for at least one year; Conditions - Villa should be free from any litigation, not be older than 20 years & should be unoccupied
Main Features Approved by the Shariah Supervisory Board; Finance up to 70% of the property value (Villa); No guarantor required; An option of joint ownership with a first-degree relative to get a higher finance amount; You can repay earlier than the tenure you have availed; Fixed profit rate. With Bayt Al-Khair your profit rate will never change during the entire tenure of the finance and therefore your monthly installment will never change; In case of death or permanent total Medical disability, God forbid, all outstanding amounts will be considered paid subject to terms and conditions of insurance policy; Free Takaful property insurance

Samba Financial Group

There are a few accomplished and celebrated financial groups ruling Arabia’s banking world .One such group is Samba Financial Group. The Group has a solid reputation for world-class financial solutions matching the best in the world.
Since its inauguration, Samba has been leading the industry in innovation and it has a long trail of industry pioneering, holding a key place in the modern transformation of banking in Saudi Arabia.
The Group’s world-class services, market-leading products and superior technology have made Samba one of the most successful financial services brands and the most internationally acclaimed bank in Saudi Arabia and the Middle East.


In the western coastline of Arabia’s Red Sea there sits a beautiful city going by the name Jeddah .It is the principal city in the western region of Saudi Arabia. Jeddah is the largest city in Makkah Province, the principal sea port on the Red Sea, and the second largest city in the kingdom of Saudi Arabia.
Jeddah boasts of a population of 5.1 million people. The city is a key-note trade center in Saudi Arabia in a similar context with Riyadh and Dammam, that is, in matters relating to economy and regional importance.
Jeddah’s economic focus is fixed on harnessing and refining capital investment in scientific and engineering leadership throughout Saudi Arabia, and the Middle East.

Home Finance - Ready/Under Construction Villas

Ready-made or not ready, the choice is your but the financing is ours. That is what our loan guarantees you.

Conspicuous features and benefits:

  •     Shariah-compliant;
  •     Financing of up to SAR 5 million;
  •     Finance of up to 70% of the property value ;
  •     Repayment period of up to 30 years.
  •     Guarantor not required;
  •     Option of joint ownership;
  •     Fixed profit rate; and
  •     Free Takaful property insurance.


  •     Must be a Saudi subject 22 years and above;
  •     Employee of  a Samba-approved government, semi-government or private employer for at least one year;
  •     Monthly salary of SAR 5,000;
  •     Villas should be free from any litigation, be less than 20 years old and unoccupied;
  •     A completed application form;
  •     Copy of national ID;
  •     Certificate of employment ;and
  •     Salary transfer letter.