Bidaya Finance | Giraffy

Bidaya Finance

Bidaya Finance is a licensed Saudi mortgage finance company regulated by the Saudi Central Bank (SAMA), offering innovative, Sharia-compliant home financing solutions. Focused on enabling accessible and ethical homeownership, Bidaya serves both Saudi nationals and eligible residents through a fully digital application process. Whether you're looking to purchase, build, or refinance, Bidaya provides tailored, interest-free solutions with flexibility and convenience.

Home Financing: Empowering You to Own Your Home

Bidaya Home Finance offers a range of Sharia-compliant housing solutions tailored to meet the diverse needs of homebuyers in Saudi Arabia, from first-time purchasers to seasoned investors.

  • Ready Property Financing: Purchase completed residential units through approved developers and real estate brokers.
  • Buy & Lease Back Options: Maintain residence while unlocking liquidity by selling your home to Bidaya and leasing it back.
  • Land & Self-Build Financing: Acquire land and build your dream home with fully compliant financing options.
  • Expats Home Financing: Specialized programs designed for eligible expatriates living in Saudi Arabia.
  • Sharia-Compliant Structure: All financing follows Islamic principles, offering ethical alternatives to traditional mortgages.
  • Digital Onboarding: A streamlined application process with minimal paperwork through Bidayaโ€™s digital platform.
  • Flexible Tenure & Repayment: Choose from various financing terms with payment plans suited to your financial situation.

Why Choose Bidaya Home Financing?

  • Sharia-compliant home financing with transparent terms
  • 100% digital application with minimal hassle
  • Flexible repayment plans tailored to income and property type
  • Available to Saudi citizens and eligible expatriates
  • Ethical solutions backed by reputable national partners

Why Bidaya Finance ?

Bidaya Home Finance stands out for combining modern technology with ethical financial practices. Its fully Sharia-compliant solutions are structured to support a wide range of clientsโ€”including individuals, families, and even expatriatesโ€”seeking property ownership in Saudi Arabia. With strong regulatory backing and an entirely digital process, Bidaya is redefining housing finance through simplicity, transparency, and flexibility.

Frequently Asked Questions

Bidaya offers financing for ready units, land purchases, self-build projects, and buy & lease back solutions.
Yes, all products are structured under Islamic finance principles and do not involve interest.
No, Bidaya does not require a salary transfer for home financing.
Yes, Bidaya offers specific home financing solutions for eligible expat residents in Saudi Arabia.
You can apply digitally through Bidayaโ€™s online platform, which ensures quick onboarding and minimal paperwork.
Financing amounts depend on property value and eligibility, with up to SAR 5 million available for qualified individuals.
Yes, Bidaya allows customers to refinance existing home loans with competitive profit rates and flexible terms.