Dhamanat Guarantee
Mortgage guarantee programme with SR 18B capital enabling 5% down payments for Sakani beneficiaries, having served 116,000+ beneficiaries with SAR 77B in guaranteed loans.
Ejar Platform
REGA's integrated electronic platform for mandatory rental contract registration, enforcing the Riyadh rent freeze and providing market transparency.
National Housing Company (NHC)
Saudi Arabia's dominant residential developer with 62% off-plan market share, SAR 26B 2024 revenue, and a 600,000-unit delivery mandate by 2030.
Real Estate Development Fund (REDF)
Government fund providing monthly profit coverage, non-refundable grants, and financing support to Sakani beneficiaries through partner banks.
Residential Mortgage-Backed Securities (RMBS)
Securitised financial instruments backed by pools of residential mortgages, first issued in Saudi Arabia by SRC in August 2025.
Sakani Platform
The Ministry of Municipalities and Housing's digital gateway for Saudi housing subsidies, serving 4.6 million registered users with five subsidy packages.
SAMA Repo Rate
The Saudi Central Bank's benchmark interest rate, currently at 4.25% following six consecutive cuts since August 2024, directly influencing mortgage affordability.
Vision 2030 Housing Program
Saudi Arabia's national housing transformation initiative launched in 2016, targeting 70% homeownership by 2030 through subsidies, supply delivery, mortgage reform, and regulatory modernisation.
Wafi Programme
Government framework regulating off-plan real estate sales with escrow protections, developer qualification, and buyer compensation mechanisms.
White Land Tax (WLT)
Progressive tax on vacant urban land up to 10% of value, targeting 5,500 plots covering 411 million sqm to encourage development and increase housing supply.