The monthly statistical bulletin issued by showed that البنك المركزي السعودي (SAMA) stated that the total volume of new residential real estate financing provided to individuals from finance companies It reached approximately 185 million riyals by the end of July 2025, recording a monthly increase of 9.4% compared to June of the same year, when financing amounted to 169 million riyals.
Distribution of residential real estate financing by sector
According to the bulletin's data, new real estate financing is distributed across three main sectors:
Residential villas: Financing allocated to them amounted to SAR 64 million in July 2025, compared to SAR 55 million in June.
Residential apartments: Financing allocated to them increased to 102 million riyals, compared to 74 million riyals in June.
Residential land prices declined to SAR 19 million in July, down from SAR 41 million the previous month.
Annual comparison of real estate financing
Despite the monthly growth, the data showed a 4% annual decline in total real estate financing provided by financing companies, reaching SAR 185 million in July 2025, compared to SAR 193 million during the same period in 2024.
When detailing sector performance, financing for villas decreased from SAR 88 million in July 2024 to SAR 64 million in July 2025. In contrast, the residential apartment sector achieved significant growth, from SAR 86 million to SAR 102 million.
While financing for land purchases recorded a slight decline from SAR 20 million in July 2024 to SAR 19 million in July 2025.
Reading SAMA data
These figures reflect a divergence in the trends in real estate financing provided by financing companies. Demand for residential apartments continues to register significant growth, while financing for both residential villas and land is declining.
These indicators are expected to contribute to reshaping the real estate demand map in the coming period, in line with market changes and the Kingdom's Vision 2030 plans for the housing sector.
