July 09, 2026
Property ownership in Saudi Arabia for expats (non-Saudis) has become clearer with the rollout of the new ownership system in 2026. The system regulates residential and investment ownership and defines the official conditions and procedures that protect the rights of all parties.
The launch is part of wider efforts to develop the real estate sector in line with Saudi Vision 2030, which aims to position the Kingdom as an attractive destination to live, work, and invest. With fully digital procedures, the ownership process for residents has been simplified and transaction times significantly reduced.
The General Real Estate Authority launched the updated system for non-Saudi ownership in January 2026, with all procedures handled online through the unified "Saudi Real Estate" portal.
The system regulates ownership, protects rights, improves market transparency, and curbs irregular ownership practices, making the Saudi market one of the most transparent in the region.
Under the 2026 system, a legal resident is entitled to own one residential unit for personal and family use. The main conditions are:
Valid residency: A valid residency permit (standard or Premium Residency).
Personal use: The property must serve as the resident's actual home, not be used for commercial speculation.
Digital registration: Applications are submitted through the "Saudi Real Estate" portal using a residency number verified via "Absher".
Real estate registry: Ownership must be transferred and officially registered in the real estate registry.
Riyadh and Jeddah: Widely available within defined zones.
Makkah and Madinah: Ownership is restricted to Muslims within the boundaries of the Two Holy Mosques.
Other cities: Available under the general regulations, including the Eastern Province, NEOM, and tourist destinations.
Log in to the "Saudi Real Estate" portal
Automatic verification of residency details
Enter the property details
Upload the required documents
Complete real estate registration after approval
Required documents: Valid residency, property title deed, SIMAH credit report, and any documents required by the financing provider.
Real estate finance allows residents to own a home without using up their savings or paying the full value upfront.
Amlak International offers Sharia-compliant real estate finance designed for residents, with:
Flexible programmes suited to different income levels in the public and private sectors.
Fast digital procedures that speed up application review and approval.
Long-term repayment plans that keep monthly instalments manageable.
Full advisory support from application through to property title transfer.
Real estate finance turns monthly rent into a long-term investment, where every instalment is a real step towards ownership.
Legislative clarity: Regulations are clear and protect both investor and borrower.
Market growth: The Saudi real estate market is growing steadily thanks to major projects and advanced infrastructure.
Diverse financing products: Competition gives residents access to the best available options.
Ownership security: Property registration gives owners full legal protection.
Explore real estate finance options with Amlak International and find the solution best suited to your income and the property you want to own.
Contact us on the toll-free number 8001185000 and take your first step towards owning your home in the Kingdom.
No. A resident may own one residential unit for personal use, with some exceptions under specific regulations.
No. You can pay in cash, but finance helps spread the cost over manageable installments.
Up to 5% of the property value, plus registration and other service fees.
Residency must be valid at the time of application. After ownership, maintain proper legal status and consult the relevant authorities if anything changes.