In reference to Article 11 of the Implementing Regulations of the Real Estate Finance Law issued by Royal Decree No. M/50 dated 13/8/1433H, which states that "The real estate finance entity shall not extend credit on any form of finance exceeding 70 percent of the value of the dwelling subject of the real estate finance contract. SAMA may change such percentage according to prevailing market conditions," and to Circular No. 371000064087 dated 6/6/1437H and Circular No. 381000039082 dated 10/4/1438H, and based on public interest.

SAMA has decided to increase the maximum financing amount percentage to the value of the residential property specified in Article 11 of the Implementing Regulations of the Real Estate Finance Law, as amended by the aforementioned circulars, from (85%) to (90%) for the first home of citizens only. Banks will continue to provide real estate financing at (70%) and (85%) for the second home and beyond, respectively, for all beneficiaries.

SAMA emphasizes the importance of reviewing the risk management policy to enhance procedures for maintaining financial stability, including monitoring and measuring credit concentrations, and ensuring verification of the beneficiary's ability to repay before granting financing – of all types – taking into account the beneficiary’s financial and credit obligations, while adhering to relevant SAMA instructions.