Updated April 2025


Example for Platinum credit card with credit limit of SAR 10,000:

 

APR

Credit Card Purchase rate*

Minimum Repayment Percentage

Months Until Balance Repaid 

38.36%

2.20% Monthly

5%

57months

42.90%

2.49% Monthly

 5%

62 months

48.02%

2.79% Monthly

 5%

67 months

 

 

The above table is an example.

*The actual Credit Card Purchase rate is based on the customer’s salary and the employer’s classification.

**If only minimum repayment is made every month, it will take (Refer to the above table) to repay the full amount, keeping in mind the compounded interest added each month.

To view other examples, please visit Credit cards calculator page click here

 

Updated April 2025
Loan Amount Tenure APR Installment amount 
SR 500,000 5 Years 5.42% SR 9,412.50
SR 300,000 5 Years 5.42% SR 5,647.50
SR 100,000 5 Years 5.62% SR 1,882.5


The above table is an example, and subject to change based on the credit history, employer, age, finance value, finance tenor, salary, etc…

To view other examples, please visit personal finance calculator page  click here

Updated April 2025
 
  1. (purchasing ready unit, self-construction and mortgage)
  • For customers purchasing the first house:
Property market value Finance to value ratio Fixed or variable rate APR Maturity in Year Payment type Monthly repayment amount Early payment charge
1,000,000 SAR %90  Fixed 6.44% 20 years Principal & profit 6,562.50 SAR  Profit of 3 months future payments
 
Property market value Finance to value ratio Fixed or variable rate APR Maturity in Year     Payment type     Monthly repayment amount     Early payment charge
700,000 SAR      %90 Fixed     6.65% 15 years Principal & profit 5,442.50 SAR   Profit of 3 months future payments
 
Property market value Finance to value ratio Fixed or variable rate APR Maturity in Year     Payment type     Monthly repayment amount     Early payment charge
SAR 500,000 %90 Fixed     6.48% 13 years Principal & profit 4,197.12 SAR Profit of 3 months future payments


The above table is an example, and subject to change based on the credit history, employer, age, finance value, finance tenor, salary, etc…

To view other examples, please visit real estate finance calculator page click here

 
  • For customers purchasing the second house:
Property market value Finance to value ratio Fixed or variable rate APR Maturity in Year     Payment type     Monthly repayment amount     Early payment charge
SAR 1,000,000 %70 Fixed     6.46% 20 years Principal & profit SAR 5,104.17 Profit of 3 months future payments
 
Property market value Finance to value ratio Fixed or variable rate APR Maturity in Year     Payment type     Monthly repayment amount     Early payment charge
SAR 700,000 %70 Fixed     6.69% 15 years Principal & profit SAR 4,233.06 Profit of 3 months future payments
 
Property market value Finance to value ratio Fixed or variable rate APR Maturity in Year     Payment type     Monthly repayment amount     Early payment charge
SAR 500,000 %70 Fixed     6.48% 13 years Principal & profit SAR 3,264.42 Profit of 3 months future payments

 

The above table is an example, and subject to change based on the credit history, employer, age, finance value, finance tenor, salary, etc…

To view other examples, please visit real estate finance calculator page click here


2. (units under construction)

 

Property market value Finance to value ratio Fixed or variable rate APR Maturity in Year     Payment type     Monthly repayment amount     Early payment charge
SAR 1,000,000 %90 Fixed     6.44% 20 years During construction period: only profit.
After construction period:
Profit & principle		 SAR  6,562.50 Profit of 3 months future payments
 
Property market value Finance to value ratio Fixed or variable rate APR Maturity in Year     Payment type     Monthly repayment amount     Early payment charge
SAR 700,000 %90 Fixed     6.65% 15 years During construction period: only profit.
After construction period:
Profit & principle		 SAR 5,442.50 Profit of 3 months future payments
 
Property market value Finance to value ratio Fixed or variable rate APR Maturity in Year     Payment type     Monthly repayment amount     Early payment charge
SAR 500,000 %90 Fixed     6.48% 13 years During construction period: only profit.
After construction period:
Profit & principle		 SAR  4,197.12 Profit of 3 months future payments

 

The above table is an example, and subject to change based on the credit history, employer, age, finance value, finance tenor, salary, etc…

To view other examples, please visit real estate finance calculator page click here

Updated April 2025
 

Car price including VAT

Monthly installment

APR%

Ballon payment

Tenor (in years)

 Car type

SAR 398,519.85

SAR 5,533.53

7.46%

SAR 138,615.60

5 Years

 New car

SAR 193,975.10

SAR 5,117.53

11.40%

SAR 48,915.46

3 Years

 New car

SAR 233,180.90

SAR 745.30

8.62%

SAR 116,590.45

2 Years

 New car



The above table is an example, and subject to change based on the credit history, employer, age, finance value, finance tenor, salary, etc…
To view other examples, please visit Auto lease calculator page click here

Updated April 2025

 

Short Term Tawaruq – Once

Product APR Management Fees
Short Term Tawaruq - Once From 8% to 14% From 1.5% to 4.5%

Examples

Finance Amount (SAR)* Finance Tenure Cost of Finance (APR) Management Fees Management Fees (exclusive of VAT) Amount (SAR) Monthly Instalment Amount (SAR)*
1,000,000 12 Months 8% 2% 20,000 90,000  
1,000,000 12 Months 10% 4% 40,000 91,666  
1,000,000 12 Months 12% 3% 30,000 93,333  

*The above table is an example, and the annual percentage rate varies according to the amount, maturity period, and credit score for each client. The monthly installment amount is variable to reflect the profit margin on the remaining balance of financing, while the original financing amount remains unchanged throughout the financing tenure. However, the profit margin changes incrementally as the financing principal decreases.

Medium Term Tawaruq – Once

Product APR Management Fees
Medium Term Tawaruq - Once From 8% to 14% From 1.5% to 4.5%

Examples

Finance Amount (SAR)* Finance Tenure Cost of Finance (APR) Management Fees Management Fees (exclusive of VAT) Amount (SAR) Monthly Instalment Amount (SAR)*
1,000,000 18 Months 8% 2% 20,000 62,222  
1,000,000 24 Months 10% 3% 30,000 50,000  
1,000,000 36 Months 12% 4% 40,000 37,777  

*The above table is an example, and the annual percentage rate varies according to the amount, maturity period, and credit score for each client. The monthly installment amount is variable to reflect the profit margin on the remaining balance of financing, while the original financing amount remains unchanged throughout the financing tenure. However, the profit margin changes incrementally as the financing principal decreases.

Short Term Tawaruq – Revolving

Product APR Management Fees
Short Term Tawaruq - Revolving From 8% to 14% From 1.5% to 4.5%

Examples

Finance Amount (SAR)* Finance Tenure Payment Term Payment Method Cost of Finance (APR) Management Fees (exclusive of VAT) Amount (SAR) Management Fees Amount (SAR) Instalment Amount (SAR)*
1,000,000 12 Months 6 Months 2 Payments Quarterly 12% 2% 20,000 530,000  
1,000,000 12 Months 6 Months Full Payment 8% 3% 30,000 1,040,000  
1,000,000 12 Months 6 Months Monthly 10% 4.5% 45,000 175,000  

*The above table is an example, and the annual percentage rate, maturity period, and credit score may vary for each customer.

Letter of Credits Financing

Product APR Management Fees Cash Margin
Letter of Credits Financing From 8% to 14% From 1.5% to 4.5% From 10% to 40%

Examples

Finance Amount (SAR)* Finance Tenure Payment Term Payment Method Cost of Finance (APR) Cash Insurance Management Fees Management Fees (exclusive of VAT) Amount (SAR) Instalment Amount (SAR)*
1,000,000 12 Months 120 Days Full Payment 8% 15% 2% 20,000 1,026,666  
1,000,000 12 Months 90 Days Full Payment 12% 30% 3% 30,000 1,030,000  
1,000,000 12 Months 210 Days Full Payment 10% 25% 4% 40,000 1,058,333  

*The above table is an example, and the annual percentage rate, maturity period, and credit score may vary for each customer.

Islamic Overdraft

Product APR Management Fees
Islamic Overdraft From 8% to 14% From 1.5% to 4.5%

Examples

Finance Amount (SAR)* Finance Tenure Cost of Finance (APR) Management Fees Management Fees (exclusive of VAT) Amount (SAR) Profit Amount (SAR)*
1,000,000 12 Months 8% 2% 20,000 80,000  
1,000,000 12 Months 12% 3% 30,000 120,000  
1,000,000 12 Months 10% 4% 40,000 100,000  

*The above table is an example, and the annual percentage rate, maturity period, and credit score may vary for each customer. The profit margin is calculated daily based on the outstanding amount and booked monthly. There are no specific principal installments. However, the principal amount must be settled at least once a year.

Contract Financing

Product APR Management Fees
Contract Financing From 8% to 14% From 1.5% to 4.5%

Examples

Finance Amount (SAR)* Finance Tenure Payment Term Payment Method Cost of Finance (APR) Management Fees Management Fees (exclusive of VAT) Amount (SAR) Instalment Amount (SAR)*
1,000,000 12 Months 120 Days Full Payment 12% 2% 20,000 1,040,000  
1,000,000 12 Months 90 Days Full Payment 8% 3% 30,000 1,019,999  
1,000,000 18 Months 18 Months Monthly 10% 4.5% 45,000 63,889  

Real Estate Financing

Product APR Management Fees
Real Estate Financing From 7% to 12% From 1% to 3%

Examples

Finance Amount (SAR)* Finance Tenure Payment Method Cost of Finance (APR) Management Fees Management Fees (exclusive of VAT) Amount (SAR) Instalment Amount (SAR)*
10,000,000 120 Months Half yearly 8.46% 1% 10,000 925,368  
2,000,000 12 Months Yearly 8.57% 2% 40,000 2,092,048  
600,000 36 Months Monthly 9.99% 3% 75,000 64,985  

*The above table is an example, and the annual percentage rate, maturity period, and credit score may vary for each customer.

Updated April 2025
 

Average Balance during month*

Profit calculation

Profit payment

AER

Number of withdrawals permitted for earning profit

SR 1,000 

Monthly

Monthly

2.25%

2 per month

SR 70,000

Monthly

Monthly

2.50%

2 per month

SR 200,000

Monthly

Monthly

2.75%

2 per month

SR 600,000

 Monthly Monthly 3.00% 2 per month

 

The above table is an example.  The AER and number of withdrawals permitted for earning profit are subject to change based on the market
conditions.

*Minimum required monthly average balance to earn profit is SR 1,000.

Updated April 2025
 
Plan Tenor      Monthly Deduction       Total Deduction   AER Total Amount at maturity
6 Months   1,000 6,000 3.50% 6,078
12 Months  1,000 12,000 4.00% 12,473
24 Months  1,000 24,000 0.70% 24,175
36 Months 1,000 36,000 0.80% 36,447
  • The above are examples of the expected profit, and it may vary based on the chosen amount and tenors.
  • Lowest account balance required to create Waed Plan is SR 500.
  • Available in SR currency only.
  • Terms and Conditions Apply
Updated April 2025
 

Deposit Amount

Period

AER

Expected Profit Amount

Expected Maturity Amount

SR 100,000

12 months

1.00%

SR 1,000

SR 101,000

SR 200,000

6 months

0.80%

SR 800

SR 200,800

SR 50,000

24 months

1.50%

SR 1,511

SR 51,511


 

The above table is an example. AER varies with the amount and period & it is subject to change based on the market conditions.

Updated April 2025
 

Deposit Amount

Period

AER

Expected Profit Amount

Expected Maturity Amount

SR 200,000 

12 months

5.76%

SR 11,520

SR 211,520

SR 100,000 

3 months

5.99%

SR 1,497.50

SR 100,497.50

SR 250,000 

6 months

5.74%

SR 7,214.86

SR 257,214.86


 

The above table is an example. AER varies with the amount and period & it is subject to change based on the market conditions.

Updated April 2025
 

Lowest Balance during month*

Profit calculation

Profit payment

AER

Number of withdrawals permitted for earning profit

SR. 1,000 

Monthly

Half-Yearly

0.05%

No Limit

SR  5,000

Monthly

Half Yearly

0.05%

No Limit

SR 10,000

Monthly

Half Yearly

0.05%

No Limit

 

The above table is an example.  AER is subject to change based on the market conditions.

*Lowest account balance required to earn profit is SR 1,000.

*Terms and Conditions Apply