Based on the powers vested to SAMA in accordance with the relevant regulations, rules, and instructions, and referring to the instructions regarding the time periods for issuing the clearance letter and transferring the account and debt, issued in accordance with SAMA Circular No. (43023350) dated 15/3/1443 H, and SAMA Circular No. (42013215) dated 4/3/1442 H, regarding the subjection of the mortgage contract concluded between a lender - on behalf of or as an agent for others - and individual customers is subject to the financing regulations and instructions issued by SAMA.

1. SAMA wishes to emphasize the following to real estate financiers:
   A- Executing customer requests related to the transfer of real estate financing debts according to the Murabaha agreement, while adhering to the specified time frames for transferring real estate financing debts as outlined in the instructions mentioned above.
2. B- Compliance with SAMA's instructions related to the purchase and transfer of real estate financing debt between financiers.
3. C. The working days related to the procedures for lifting the mortgage are excluded from the time periods mentioned in the instructions above, provided that the reason is related to an external party.
4. D- Update internal policies in accordance with these instructions.
    
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