Tailored Financing for Every Step of Your Homeownership Journey
A financing product that enables you to own a property unit before or during the construction phase from a selection of projects approved by alinma. Based on Murabaha financing, Off-Plan is available to all customers—both subsidized and non-subsidized—offering flexible financing solutions designed to meet your needs at every stage of homeownership.
Features that meet your needs:
- Fully Sharia’h-compliant financing based on Murabaha (goods).
- Initial financing estimates to support better financial planning.
- No property evaluation required.
- Lower monthly installments during the construction phase (up to 36 months).
- Freedom to choose a unit from accredited projects.
- Financing up to SAR 10 million and available until the age of 75.
- Financing may be accessible for non-accredited entities.
- Flexible repayment terms of up to 25 years.
- Option to apply the flexible installment feature.
- Salary transfer not required for financing.
- Early payment option to ease financial commitments.
- Debt waiver in case of death or total disability (terms and conditions apply).
- APR starting from 5.62%.
Easier Requirements for a Better Service:
- Open a current account with alinma.
- Obtain credit approval.
- Provide a valid national ID.
- Submit a salary certificate.
- Complete the real estate finance application form.
- Submit a property quotation from an approved project.
- Attach an Istisna’a contract signed by the accredited real estate developer.
Or through the following channels:
- alinma Phone: 8001208008
- alinma branches.
* Terms and conditions apply.