Home Finance Avail of simple, convenient and transparent home financing through Bayt Al-Khair from Samba. Bayt Al-Khair is a Shariah-compliant solution to purchase a ready villa, ready apartment, residential apartment building, home under construction (incomplete), a plot of land or to construct your own home. We offer finance towards the purchase of the following: Ready/ Under Construction Villas Buy a ready or under construction villa of your choice, complete building it and repay over a period of up to 30 years. Maximum loan amount up to SR 5 Million. Know more Ready/ Under Construction Apartments Buy a ready or under construction apartment of your choice and repay over a period of up to 25 years. Maximum loan amount up to SR 3 Million. Know more Residential Apartment Building Get funding to buy your own apartment building. Maximum loan amount up to SR 5 Million. Know more Land Plot Get funding to purchase a plot of land. Maximum loan amount up to SR 1.5 Million. Know more Home Self-Construction Get finance to construct the villa of your dreams on a plot of land that you already own. Maximum loan amount up to SR 1.5 Million. Know more Additional Finance Program in Cooperation with The Real Estate Development Fund This is a real estate financing program for customers who have been issued approvals from the Real Estate Development Fund on the available and eligible state loan of 500,000 Riyals maximum and meet the credit criteria of Samba Financial Group. Know more * Terms and conditions apply. Management fees equivalent to 1% of the financed amount or SR 5,000 whichever is less (VAT of 5% applies to the fees). As an example: Property Market Value Loan To Value Ratio Fixed Or Variable Rate APR* In Maturity Years Payment Type Monthly Repayment Amount Early Payment Charge 850,000.00 Up to 90% Fixed 4.84% 20 Years Principal And Term Cost 5454.17 Profit of future 3 Installments * APR may differ depending on the amount and maturity period different from the above example and subject to credit scoring of each customer. * Samba Financial Group is subject to the supervision and oversight of Saudi Arabian Monetary Agency.