Saudi Home Loans (SHL) | Giraffy

Saudi Home Loans (SHL)

Saudi Home Loans (SHL) is a leading real estate finance company in Saudi Arabia, established to help individuals and families achieve homeownership through ethical, Sharia-compliant financing. Licensed by the Saudi Central Bank (SAMA), SHL offers innovative housing finance solutions tailored to the needs of citizens and residents, with a focus on long-term sustainability, transparency, and customer service.

SHL Home Finance: Simplifying the Path to Ownership

Saudi Home Loans provides a wide range of real estate financing products designed to make homeownership accessible and manageable for a diverse client base.

  • Residential Property Financing: Tailored for new home purchases, including apartments, villas, and housing projects across the Kingdom.
  • Sharia-Compliant Financing: All contracts follow Islamic finance principles, offering interest-free, ethical alternatives to conventional mortgages.
  • Competitive Profit Rates: Transparent pricing with fixed or variable rates designed to suit different borrower profiles.
  • Flexible Tenures & Repayment Plans: Finance terms extend up to 30 years with monthly installments designed around your income and financial obligations.
  • No Early Settlement Penalties: Customers have the freedom to repay early without additional fees.
  • Joint Financing Options: SHL offers co-financing solutions to help families combine income and increase eligibility.
  • Approved Developer Network: Financing is available through a large list of approved housing projects and developers.
  • Support for Citizens & Residents: Home finance solutions are available to Saudi nationals and eligible non-Saudi residents working in various sectors.
     

Why Choose Saudi Home Loans (SHL)?

  • Specialized in Housing Finance: SHL is entirely focused on real estate financing, offering deep expertise in the Saudi property market.
  • Sharia-Compliant & Ethical: Every solution is built on Islamic financial principles, ensuring transparency and trust.
  • Long-Term Affordability: Financing is structured to ensure sustainable repayments over the life of the loan.
  • Regulated & Trusted: Licensed by the Saudi Central Bank and known for financial integrity and customer focus.
  • Comprehensive Customer Service: From application to property registration, SHL offers ongoing support to make the process smooth and clear.
     

Why Saudi Home Loans (SHL) ?

Saudi Home Loans stands out as a specialized real estate finance company with deep expertise in the Saudi housing market. Focused entirely on homeownership, SHL provides tailored, Sharia-compliant solutions that prioritize transparency, long-term affordability, and ethical financial practices. Regulated by the Saudi Central Bank, SHL has earned a strong reputation for reliability and customer-centric service. Whether you’re a first-time homebuyer, looking to build a house, or seeking co-financing with a family member, SHL simplifies the journey with flexible repayment options, competitive profit rates, and personalized support from application through property transfer.               

Frequently Asked Questions

SHL offers financing for a wide range of residential properties, including villas, apartments, and housing units from approved developers.
Yes, all SHL financing is based on Islamic principles and complies with Sharia guidelines.
SHL offers flexible repayment terms of up to 30 years, depending on eligibility and product type.
Salary transfer requirements vary based on the product and applicant profile, but SHL does provide options without mandatory salary transfers.
Yes, SHL offers joint financing options, allowing two applicants to combine income and increase financing eligibility.
No, SHL does not charge a penalty for early settlement of the financing amount.
Saudi citizens and qualified residents employed in government or private sectors can apply, subject to income and credit eligibility.