Saudi Arabia Mortgage Calculator
Your loan
Pre-filled estimate: central-bank rate 4.50% plus a typical lender margin. Replace it with your lender's offer.
- Principal & interestSAR 5,799
Upfront costs
- Down paymentSAR 100,000
- Transfer tax%SAR 50,000
- Cash needed at purchaseSAR 150,000
What if interest rates change?
Your payment today is just the start. See how it could move if rates go up or down during your loan.
Range: 5.70% to 6.30% · The rate resets once a year after month 60.
Likely range of your monthly payment
- Most likely
- 80% of outcomes
- Middle 50% of outcomes
- If today's rate holds
In 8 out of 10 simulated futures, you pay between SAR 825,584 and SAR 854,892 in total interest (today's rate: SAR 839,614).
| Scenario | Avg. monthly | Highest monthly | Total interest | vs. today |
|---|---|---|---|---|
| Rate stays at 6.00% | SAR 5,799 | SAR 5,799 | SAR 839,614 | — |
| Drops to 5.70% at first reset | SAR 5,687 | SAR 5,799 | SAR 806,204 | ▼ −SAR 33,410 |
| Rises to 6.30% at first reset | SAR 5,911 | SAR 5,940 | SAR 873,442 | ▲ +SAR 33,828 |
| Climbs steadily to 6.30% | SAR 5,838 | SAR 5,875 | SAR 851,303 | ▲ +SAR 11,689 |
| Falls steadily to 5.70% | SAR 5,760 | SAR 5,799 | SAR 828,005 | ▼ −SAR 11,608 |
| Spikes to 6.30% for 3 years | SAR 5,827 | SAR 5,940 | SAR 848,068 | ▲ +SAR 8,454 |
Based on 600 simulated rate paths that drift randomly within your range and tend back toward today's rate. This is an illustration, not a forecast.
Loan balance over time
- Remaining balance
- Interest paid (cumulative)
- Principal paid (cumulative)
Interest rates in Saudi Arabia
Monthly averages. Sources: Bank for International Settlements
Shows the central-bank policy rate. Mortgage rates are usually higher.
Buying a home in Saudi Arabia: rules and costs
- Real estate transactions carry a 5% transaction tax; Saudi citizens' first home is exempt up to SAR 1 million.
- First-time Saudi buyers can borrow up to 90% of the value; the Sakani programme offers support.
Sources: Saudi Central Bank (SAMA) · Rules last reviewed 2026-10.
Frequently asked questions
How is the monthly mortgage payment calculated?
For an equal-payment loan, the payment is P × i × (1 + i)^n ÷ ((1 + i)^n − 1), where P is the loan amount, i the monthly interest rate and n the number of months. Taxes, insurance and fees are added on top.
What is the current average mortgage rate in Saudi Arabia?
Saudi Arabia does not publish an official average mortgage rate that we can track. Ask several lenders for quotes and enter the rate in the calculator.
How much does a 1-point rate rise change my payment?
On a SAR 900,000 loan over 25 years, going from 6.00% to 7.00% raises the monthly payment from SAR 5,799 to SAR 6,361 — about SAR 562 more each month.
What upfront costs should I budget for in Saudi Arabia?
On a SAR 1,000,000 purchase, expect about SAR 50,000 in taxes and fees on top of your down payment. The breakdown is shown in the calculator above.
Can this calculator predict future interest rates?
No. The scenario tool shows a range of possible outcomes based on the band you choose. Nobody can predict rates reliably — use it to check whether you could still afford the loan if rates rise.