Self Construction

A finance product that allows you to construct or finish your property using finance payments to be paid according to the approved construction completion stages, against property mortgage as a finance option offered to all Alinma Customers (subsidized and non-subsidized).


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Features that meet your needs:
  • Fully Sharia’h-compliant finance based on Murabaha (shares).
  • Freedom of property design and construction.
  • Providing an initial finance calculation.
  • Financing up to the age of 75 years.
  • Financing up to SAR 10 Million.
  • No down payment required.
  • Possibility of financing non-accredited entities.
  • Settlement period up to 25 years.
  • Possibility of applying the flexible installment feature.
  • Acceptance of real estate all over the Kingdom.
  • No Property transactions tax.
  • Finance without salary transfer.
  • Early payment option.
  • Exemption of beneficiaries in case of death or total disability, God forbid (terms and conditions apply).
  • APR 6,77%


Easier Requirements for a Better Service:
  • Opening a current account with the Bank.
  • Credit approval.
  • National ID.
  • Salary certificate.
  • Real estate finance request form.
  • Copy of real estate deed.
  • Building permit.
  • Real estate location sketch.



Or through the following channels:
  • Alinma phone (8001208008).
  • Alinma branches. 

* Terms and conditions apply.