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Personal Refinance

Renew Your Financing with Greater Flexibility

Benefit from Sharia-compliant personal refinancing, designed to help you secure new financing with ease after settling your previous financing. You can apply for personal refinancing once you have completed 12 months of installment payments on your existing personal financing or paid off 20% of the total financing amount—providing you with greater financial flexibility to meet your needs and achieve your aspirations.

 

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  • Fully Sharia-compliant.
  • Benefit from a competitive profit margin.
  • Greater flexibility and convenience.
  • Available to both Saudis and expatriates.
  • Flexible repayment terms designed to meet your needs.

  • The minimum age requirement is 18 years for Saudis.
  • The minimum age requirement is 21 years for expatriates.
  • The maximum age requirement is 75 years for retirees.
  • Available to employees of Alinma-approved entities.
  • Can be utilized after 12 months from personal financing approval or after repaying 20% of the financed amount./li>
  • *Administrative fees are 1% of the financed amount, with a maximum limit of SAR 5,000.
  • Profit margin starting from 1.79% APR, with an annual percentage rate of 3.43%.

* Administrative fees and commodity broker fees are subject to VAT.
*Notice: Personal financing products may involve certain risks, including but not limited to fluctuations in stock prices. By submitting your financing application, you acknowledge that you are fully aware of these associated risks.
* Terms and Conditions apply.

You can submit your application through the following channels:

  • Alinma Phone: 8001208008.
  • Alinma branches.
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