Question 1

How are monthly obligations calculated?

Accepted Answer

Debt-to-Service Ratio is the share of your net monthly income that the bank allocates to debt servicing, including the property installment. Saudi banks cap it at 65% — meaning total monthly installments must stay under 65% of your salary.

Question 2

What's the minimum salary to buy a property?

Accepted Answer

There's no single official floor, but Saudi banks typically require ~4,000 SAR/month minimum for government employees and ~5,000 SAR for the private sector. The higher the income, the higher the approved amount.

Question 3

Does the calculator account for the Sakani government program?

Accepted Answer

The calculator gives a baseline estimate per commercial-bank criteria. Government support via Sakani (purchase or build) raises your buying power because the Real Estate Development Fund subsidizes part of the installment — contact the partnered bank for the actual subsidy calculation.

Question 4

What's the difference between approved capacity and the final loan?

Accepted Answer

Capacity here is a pre-application estimate. The actual loan is set by the bank after checking: credit report (Simah), salary letter from your employer, current obligations (car, cards), and the property valuation after appraisal. Actual capacity may be 10-20% lower than the estimate.

Question 5

Does the estimate include the down payment?

Accepted Answer

Yes. The down payment (typically 10%) is added to your total budget to determine the maximum property price you can afford. A larger down payment lowers the monthly installment and raises buying power.

Question 6

Is the result a binding bank approval?

Accepted Answer

No — this is an estimate to help you choose a price range. Formal approval depends on submitting the full file and completing the financing provider's own assessment and procedures.

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