Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Bank AlJazira - Investment Real Estate Bank AlJazira - Investment Real Estate Minimum Salary: SAR 6,000 Salary Transfer: No Early Settlement Fees: No Maximum Term: 20 Years Flat Rate: 6.23 Reducing Rate: 0.0
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If you are seeking an investment solution, then the “Investment Real Estate Finance Product” from Bank AlJazira will provide you with best opportunity to purchase an apartment building, commercial building/center, or residential complex to invest in the Real Estate market.

Features & Benefits
  • Financing up to 20,000,000 Saudi riyals depending on client's financial net worth
  • Finance tenure up to 20 years
  • A very competitive profit margin, either fixed or flexible depending on the client's choice*
  • Multiple sources of income are considered, including the financed property’s income
  • The Possibility of finance against property's income only
  • Allow the client to manage the property and improve the generated income
  • Settlement can be based on monthly , quarterly, semiannually and annually installment depending on client's income
  • Takaful (life insurance) and exemption from payment of remaining amount in case of death or total disability (God forbid)
  • Property and damage insurance coverage included throughout the finance period
* APR starts from 4.26%.

* Administration and evaluation fees are 1% of the total amount of funding or up to SR 5,000 and subject to 15% Value Added Tax (VAT).

All the fees are subjected to 15% Value Added Tax (VAT)
Documents Required
  • Valid national Saudi ID card
  • Certificate letter of employment one month old or less (for employed applicants)
  • Salary and end of service benefits transfer
  • Bank statement for the last 3 months (for employed applicants) and last six months (for self-employed)
  • Proof of all sources of income (for employees and self-employed)
  • Commercial Registration and work permit for self-employed
  • 2 Years financial statements except for self-employed professionals who do not have a registered company. Example: Engineers, Lawyers, etc
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
Representative Example Calculator
Samba - Ready / Under Construction Villas
Minimum Salary
SAR 5,000
Reducing Rate