The monthly statistical bulletin of the Saudi Central Bank showed that:SamaThe volume of new residential real estate financing provided to individuals by banks rose to approximately 6.42 billion riyals in July 2025, achieving a 20.6% increase compared to June of the same year, when financing amounted to 5.32 billion riyals.
Residential Real Estate Financing - Distribution of Real Estate Loans by Sector
According to data issued by البنك المركزيNew mortgage loans in July were distributed across three main sectors:
Residential villas accounted for the largest share, at SAR 4.11 billion, compared to SAR 3.26 billion in June.
Residential apartments: Financing for them increased to SAR 1.93 billion, compared to SAR 1.58 billion in the previous month.
Land: witnessed a decline to 371 million riyals, after reaching 482 million riyals in June.
Year-on-year changes
Despite the monthly increase, the bulletin revealed that total residential real estate financing from banks declined by 9.2% year-on-year, reaching SAR 6.42 billion in July 2025, compared to SAR 7.07 billion during the same period in 2024.
Annual sector details
Villa financing: decreased from SAR 4.38 billion in July 2024 to SAR 4.11 billion in July 2025.
Apartment financing: decreased from SAR 2.26 billion to SAR 1.93 billion during the same period.
Land financing: decreased from SAR 429 million to SAR 371 million year-on-year.
This performance reflects a divergence in trends in the Kingdom's residential mortgage market, ranging from significant monthly growth to a relative annual decline. This is in light of ongoing efforts to support housing finance and achieve the goals of Saudi Vision 2030 in the housing sector.
