What types of homes can I finance through SHL?

SHL offers financing for a wide range of residential properties, including villas, apartments, and housing units from approved developers.

Is SHL home finance Sharia-compliant?

Yes, all SHL financing is based on Islamic principles and complies with Sharia guidelines.

What is the maximum tenure for SHL financing?

SHL offers flexible repayment terms of up to 30 years, depending on eligibility and product type.

Do I need to transfer my salary to apply?

Salary transfer requirements vary based on the product and applicant profile, but SHL does provide options without mandatory salary transfers.

Can I apply for SHL financing with a co-borrower?

Yes, SHL offers joint financing options, allowing two applicants to combine income and increase financing eligibility.

Is there a penalty for early repayment?

No, SHL does not charge a penalty for early settlement of the financing amount.

Who is eligible to apply for SHL finance?

Saudi citizens and qualified residents employed in government or private sectors can apply, subject to income and credit eligibility.

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Saudi Home Loans (SHL)

Saudi Home Loans (SHL)

Updated: March 27, 2025 • All Saudi Home Loans (SHL) product data verified by Giraffy Radar.

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.

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.

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Saudi Home Loans (SHL)

Why Saudi Home Loans (SHL)?

Frequently Asked Questions

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