{"id":4758,"date":"2025-09-15T14:20:13","date_gmt":"2025-09-15T14:20:13","guid":{"rendered":"https:\/\/mohamad-itani.com\/?p=4758"},"modified":"2025-09-19T14:58:58","modified_gmt":"2025-09-19T14:58:58","slug":"how-to-get-a-mortgage-in-saudi-arabia-as-a-local-or-foreigner","status":"publish","type":"post","link":"https:\/\/mohamad-itani.com\/ar\/how-to-get-a-mortgage-in-saudi-arabia-as-a-local-or-foreigner\/","title":{"rendered":"\u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0636 \u0639\u0642\u0627\u0631\u064a \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0643\u0645\u0648\u0627\u0637\u0646 \u0623\u0648 \u0623\u062c\u0646\u0628\u064a"},"content":{"rendered":"<h2 class=\"wp-block-heading\">\u0645\u0642\u062f\u0645\u0629<\/h2>\n\n\n\n<p class=\"translation-block\"><a href=\"https:\/\/mohamad-itani.com\/ar\/luxury-real-estate-sale\/\" 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\u0628\u062c\u062f\u0629\u060c \u062d\u0635\u0644\u062a \u0639\u0644\u0649 \u0642\u0631\u0636 \u0639\u0642\u0627\u0631\u064a \u0645\u0646 \u0628\u0646\u0643 \u0633\u0627\u0645\u0628\u0627. \u0648\u0627\u0641\u0642 \u0627\u0644\u0628\u0646\u0643 \u0639\u0644\u0649 \u0637\u0644\u0628\u0647\u0627 \u0644\u0623\u0646 \u062c\u0647\u0629 \u0639\u0645\u0644\u0647\u0627 \u0643\u0627\u0646\u062a \u0636\u0645\u0646 \u0642\u0627\u0626\u0645\u0629 \"\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u0648\u062b\u0648\u0642\u0629\"\u060c \u0648\u0644\u0643\u0646 \u0643\u0627\u0646 \u0639\u0644\u064a\u0647\u0627 \u062f\u0641\u0639 35% \u0645\u0642\u062f\u0645\u064b\u0627.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u062a\u0642\u062f\u0645 \u0628\u0637\u0644\u0628 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0636 \u0639\u0642\u0627\u0631\u064a \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u0627\u0644\u062e\u0637\u0648\u0629 1 - \u0627\u0644\u0628\u062d\u062b \u0639\u0646 \u0642\u0631\u0648\u0636 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/h3>\n\n\n\n<p>\u0627\u0628\u062f\u0623 \u0628\u0645\u0642\u0627\u0631\u0646\u0629 \u062e\u064a\u0627\u0631\u0627\u062a \u0623\u0641\u0636\u0644 \u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u064f\u0642\u0631\u0636\u0629\u060c \u0645\u062b\u0644 \u0627\u0644\u0631\u0627\u062c\u062d\u064a \u0648\u0628\u0646\u0643 \u0627\u0644\u0631\u064a\u0627\u0636 \u0648\u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0623\u0647\u0644\u064a \u0627\u0644\u062a\u062c\u0627\u0631\u064a. \u0644\u0643\u0644 \u0628\u0646\u0643 \u0645\u0639\u062f\u0644\u0627\u062a \u0631\u0628\u062d \u0648\u0634\u0631\u0648\u0637 \u0633\u062f\u0627\u062f \u0648\u0645\u0639\u0627\u064a\u064a\u0631 \u0623\u0647\u0644\u064a\u0629 \u062e\u0627\u0635\u0629 \u0628\u0647.<\/p>\n\n\n\n<p><a href=\"https:\/\/rulebook.sama.gov.sa\/en\/procedural-requirements-mortgage-registration\" target=\"_blank\" rel=\"noopener\">\u062a\u0646\u0634\u0631 \u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u0646\u0642\u062f \u0627\u0644\u0639\u0631\u0628\u064a \u0627\u0644\u0633\u0639\u0648\u062f\u064a (\u0633\u0627\u0645\u0627) \u0628\u0627\u0646\u062a\u0638\u0627\u0645 \u062a\u062d\u062f\u064a\u062b\u0627\u062a \u062d\u0648\u0644 \u0625\u0631\u0634\u0627\u062f\u0627\u062a \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a.<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0627\u0644\u062e\u0637\u0648\u0629 2 - \u062c\u0645\u0639 \u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643<\/h3>\n\n\n\n<p>\u0639\u0627\u062f\u0629\u064b\u060c \u0633\u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0627\u0644\u0647\u0648\u064a\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0623\u0648 \u0627\u0644\u0625\u0642\u0627\u0645\u0629 (\u0644\u0644\u0645\u063a\u062a\u0631\u0628\u064a\u0646)<\/li>\n\n\n\n<li>\u0643\u0634\u0648\u0641 \u0627\u0644\u0631\u0648\u0627\u062a\u0628 \u0648\u0625\u062b\u0628\u0627\u062a \u0627\u0644\u062a\u0648\u0638\u064a\u0641<\/li>\n\n\n\n<li>\u0643\u0634\u0648\u0641\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 (6-12 \u0634\u0647\u0631\u064b\u0627)<\/li>\n\n\n\n<li>\u062a\u0641\u0627\u0635\u064a\u0644 \u0627\u0644\u0639\u0642\u0627\u0631 \u0648\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u062a\u0642\u064a\u064a\u0645<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u0627\u0644\u062e\u0637\u0648\u0629 3 \u2013 \u0627\u0644\u0625\u0631\u0633\u0627\u0644 \u0648\u0627\u0646\u062a\u0638\u0627\u0631 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629<\/h3>\n\n\n\n<p>\u0628\u0639\u062f \u062a\u0642\u062f\u064a\u0645 \u0637\u0644\u0628\u0643\u060c \u064a\u0642\u0648\u0645 \u0627\u0644\u0628\u0646\u0643 \u0628\u0645\u0631\u0627\u062c\u0639\u0629 \u0645\u0633\u062a\u0646\u062f\u0627\u062a\u0643\u060c \u0648\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0642\u062f\u0631\u062a\u0643 \u0639\u0644\u0649 \u062a\u062d\u0645\u0644 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641\u060c \u0648\u0625\u062c\u0631\u0627\u0621 \u062a\u0642\u064a\u064a\u0645 \u0627\u0626\u062a\u0645\u0627\u0646\u064a. \u0642\u062f \u062a\u0633\u062a\u063a\u0631\u0642 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0628\u0636\u0639\u0629 \u0623\u064a\u0627\u0645 \u0644\u0644\u0633\u0639\u0648\u062f\u064a\u064a\u0646\u060c \u0648\u0642\u062f \u062a\u0645\u062a\u062f \u0625\u0644\u0649 \u0623\u0633\u0627\u0628\u064a\u0639 \u0644\u0644\u0648\u0627\u0641\u062f\u064a\u0646.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u0627\u0644\u0628\u0646\u0648\u0643 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629<\/h3>\n\n\n\n<p>\u062a\u064f\u0642\u062f\u0651\u0645 \u0645\u0639\u0638\u0645 \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629 \u0628\u0639\u0642\u0648\u062f \u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629\u060c \u0645\u0627 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class=\"wp-block-heading\">\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0644\u0644\u0623\u062c\u0627\u0646\u0628 \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629<\/h3>\n\n\n\n<p>\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u0645\u063a\u062a\u0631\u0628\u064a\u0646\u060c \u062a\u0642\u062f\u0645 \u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u0643 (\u0645\u062b\u0644 \u0633\u0627\u0645\u0628\u0627 \u0648\u0628\u0646\u0643 \u0627\u0644\u0631\u064a\u0627\u0636) \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u060c \u0648\u0644\u0643\u0646 \u0639\u0627\u062f\u0629\u064b \u0644\u0645\u0646\u0627\u0637\u0642 \u0645\u062d\u062f\u062f\u0629 \u0648\u0628\u0642\u0648\u0627\u0639\u062f \u0623\u0643\u062b\u0631 \u0635\u0631\u0627\u0645\u0629.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0641\u064a \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0636 \u0639\u0642\u0627\u0631\u064a<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u062f\u0641\u0639\u0627\u062a \u0623\u0648\u0644\u0649 \u0639\u0627\u0644\u064a\u0629<\/h3>\n\n\n\n<p>\u064a\u0648\u0627\u062c\u0647 \u0645\u0639\u0638\u0645 \u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u062f\u0641\u0639\u0629 \u0623\u0648\u0644\u0649 \u062a\u062a\u0631\u0627\u0648\u062d \u0628\u064a\u0646 30% \u0625\u0644\u0649 35% \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644\u060c \u0648\u0647\u0648 \u0645\u0627 \u0642\u062f \u064a\u0634\u0643\u0644 \u062a\u062d\u062f\u064a\u064b\u0627 \u0644\u0644\u0645\u0634\u062a\u0631\u064a\u0646 \u0644\u0623\u0648\u0644 \u0645\u0631\u0629.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0627\u0644\u0642\u064a\u0648\u062f \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629<\/h3>\n\n\n\n<p>\u0644\u0627 \u064a\u062c\u0648\u0632 \u0644\u0644\u0645\u063a\u062a\u0631\u0628\u064a\u0646 \u0627\u0644\u0634\u0631\u0627\u0621 \u0641\u064a \u0645\u0643\u0629 \u0627\u0644\u0645\u0643\u0631\u0645\u0629 \u0623\u0648 \u0627\u0644\u0645\u062f\u064a\u0646\u0629 \u0627\u0644\u0645\u0646\u0648\u0631\u0629\u060c \u0648\u064a\u0639\u062a\u0645\u062f \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0633\u064a\u0627\u0633\u0627\u062a \u0627\u0644\u0628\u0646\u0643.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0627\u062a \u0627\u0644\u0645\u0637\u0648\u0644\u0629<\/h3>\n\n\n\n<p>\u0641\u064a \u062d\u064a\u0646 \u0623\u0646 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u064a\u0646 \u0642\u062f \u064a\u062d\u0635\u0644\u0648\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0627\u062a \u0641\u064a \u0623\u0642\u0644 \u0645\u0646 \u0623\u0633\u0628\u0648\u0639\u064a\u0646\u060c \u0641\u0625\u0646 \u0627\u0644\u0623\u062c\u0627\u0646\u0628 \u063a\u0627\u0644\u0628\u0627 \u0645\u0627 \u064a\u0646\u062a\u0638\u0631\u0648\u0646 \u0641\u062a\u0631\u0629 \u0623\u0637\u0648\u0644 \u0628\u0633\u0628\u0628 \u0627\u0644\u062a\u062d\u0642\u0642 \u0627\u0644\u0625\u0636\u0627\u0641\u064a.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0646\u0635\u0627\u0626\u062d \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0623\u0641\u0636\u0644 \u0635\u0641\u0642\u0629 \u0631\u0647\u0646 \u0639\u0642\u0627\u0631\u064a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0642\u0645 \u0628\u0645\u0642\u0627\u0631\u0646\u0629 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u0628\u0646\u0648\u0643 \u0642\u0628\u0644 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645.<\/li>\n\n\n\n<li>\u0627\u0644\u062a\u0641\u0627\u0648\u0636 \u0639\u0644\u0649 \u0634\u0631\u0648\u0637 \u0627\u0644\u0633\u062f\u0627\u062f\u061b \u062d\u064a\u062b \u062a\u0633\u0645\u062d \u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u0643 \u0628\u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0645\u0628\u0643\u0631\u0629 \u062f\u0648\u0646 \u0641\u0631\u0636 \u0639\u0642\u0648\u0628\u0627\u062a \u0643\u0628\u064a\u0631\u0629.<\/li>\n\n\n\n<li>\u0642\u0645 \u0628\u062a\u0648\u0627\u0641\u0642 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0645\u0639 \u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u061b \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u0625\u0630\u0627 \u0643\u0646\u062a \u062a\u0642\u0648\u0645 \u0628\u0627\u0644\u062a\u0623\u062c\u064a\u0631\u060c \u0641\u062a\u062d\u0642\u0642 \u0645\u0646 \u0639\u0627\u0626\u062f\u0627\u062a \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629 \u0644\u0644\u062a\u0623\u0643\u062f \u0645\u0646 \u062a\u063a\u0637\u064a\u0629 \u0623\u0642\u0633\u0627\u0637 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a.<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/mohamad-itani.com\/ar\/5-cities-for-real-estate-investment-saudi-arabia\/\">\u0644\u0645\u0642\u0627\u0631\u0646\u0629 \u0627\u0644\u0631\u0628\u062d\u064a\u0629\u060c \u0631\u0627\u062c\u0639 \u0645\u0642\u0627\u0631\u0646\u0629 \u0639\u0627\u0626\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631: \u0627\u0644\u0631\u064a\u0627\u0636 \u0645\u0642\u0627\u0628\u0644 \u062c\u062f\u0629.<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0627\u0644\u0646\u0638\u0631\u0629 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629<\/h2>\n\n\n\n<p>\u062a\u0647\u062f\u0641 \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0625\u0644\u0649 \u0631\u0641\u0639 \u0646\u0633\u0628\u0629 \u062a\u0645\u0644\u0643 \u0627\u0644\u0645\u0646\u0627\u0632\u0644 \u0625\u0644\u0649 70% \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2030\u060c \u0645\u0645\u0627 \u064a\u0639\u0646\u064a \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0646\u0645\u0648 \u0627\u0644\u0642\u0631\u0648\u0636 \u0627\u0644\u0639\u0642\u0627\u0631\u064a\u0629. \u0648\u062a\u062c\u0630\u0628 \u0645\u0634\u0627\u0631\u064a\u0639 \u0636\u062e\u0645\u0629 \u0645\u062b\u0644 \u0646\u064a\u0648\u0645 \u0648\u0630\u0627 \u0644\u0627\u064a\u0646 \u0627\u0647\u062a\u0645\u0627\u0645\u064b\u0627 \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062b\u0645\u0631\u064a\u0646 \u0627\u0644\u0623\u062c\u0627\u0646\u0628.<\/p>\n\n\n\n<p class=\"translation-block\">\u0648\u0641\u0642\u064b\u0627 \u0644\u062a\u0642\u0631\u064a\u0631 <a href=\"https:\/\/www.knightfrank.com\/wealthreport\" target=\"_blank\" rel=\"noopener external noreferrer\" data-wpel-link=\"external\">Knight Frank<\/a>\u060c \u062a\u0636\u0627\u0639\u0641 \u062d\u062c\u0645 \u0627\u0644\u0631\u0647\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u064a \u0641\u064a \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u062e\u0645\u0633 \u0627\u0644\u0645\u0627\u0636\u064a\u0629 \u0648\u0645\u0646 \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0623\u0646 \u064a\u0633\u062a\u0645\u0631 \u0641\u064a \u0627\u0644\u0646\u0645\u0648.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u062e\u0627\u062a\u0645\u0629<\/h2>\n\n\n\n<p>\u0642\u062f \u064a\u0628\u062f\u0648 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0642\u0631\u0636 \u0639\u0642\u0627\u0631\u064a \u0641\u064a \u0627\u0644\u0645\u0645\u0644\u0643\u0629 \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0633\u0639\u0648\u062f\u064a\u0629 \u0645\u0639\u0642\u062f\u064b\u0627 \u0641\u064a \u0627\u0644\u0628\u062f\u0627\u064a\u0629\u060c \u0644\u0643\u0646 \u0627\u0644\u0646\u0638\u0627\u0645 \u0623\u0635\u0628\u062d \u0623\u0643\u062b\u0631 \u0634\u0641\u0627\u0641\u064a\u0629 \u0648\u0633\u0647\u0648\u0644\u0629. \u064a\u0633\u062a\u0641\u064a\u062f 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