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Prices of Financing and Savings Products
Page was updated: 1 September 2026
Credit Cards
Illustrative example for computation of Tawarruq Profit (TP)
Example for SAB Signature Visa Credit Crad with a credit limit of SAR 10,000:
APR |
Monthly profit Rate |
Minimum Payment |
Months Until Balance Repaid |
55.39% |
3% |
5% |
104 moths |
Home Finance Products:
Ready unit/ Self Construction/Land
Example 1
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 555,000 | 90% | Fixed | 5.68% | 25 Years | Principal and Interest / Profit | 3,030.00 | Profit of future 3 installments |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 2
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 500,000 | 90% | Fixed | 7.44% | 20 Years | Principal and Interest / Profit | 3476.74 | Profit of future 3 installments |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 3
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 714,000 | 70% | Fixed | 6.89% | 25 Years | Principal and Interest / Profit | 3372.92 | Profit of future 3 installments |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Flexi Murabaha
Example 1
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 1,600,000 | 90% | Fixed | First period: 3.29% |
First period: 5 Years |
Principal and Interest / Profit | First period: 4,087 |
Profit of future 3 installments |
| Second period: 5.76% | Second period:15 Years | Second period: 11,916 |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 2
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 1,888,000 | 90% | Fixed | First period: 3.99% | First period: 5 Years | Principal and Interest / Profit | First period: 5,809 | Profit of future 3 installments |
| Second period: 6.58% | Second period:20 Years | Second period: 12,706 |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 3
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 1,428,000 | 70% | Fixed | First period: 2.94% | First period: 5Years | Principal and Interest / Profit | First period: 2,574 SAR | Profit of future 3 installments |
| Second period: 5.39% | Second period:10 Years | Second period: 10,731 SAR |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Ijara
Ready unit/ Self Construction/Land:
Example 1
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 555,000 | 90% | Fixed for first 2 years | 4.27% | 25 Years | Principal and Interest / Profit | 2,649.04 | Profit of future 3 installments |
| Repriced every 2 years SWAP rate plus 3% |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 2
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 1,000,000 | 90% | Fixed for first 2 years | 4.96% | 20 Years | Principal and Interest / Profit | 5,805.08 | Profit of future 3 installments |
| Repriced every 2 years SWAP rate plus 3% |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 3
| Propoerty Market Value | Loan to value Ratio | Fixed or Variable Rate | APR | Maturity in Years | Payment Type | Monthly Repayment Amount* | Early Payment Charges |
| 214000 | 70% | Fixed for first 2 years | 9.57% | 5 Years | Principal and Interest / Profit | 2979.19 | Profit of future 3 installments |
| Repriced every 2 years SWAP rate plus 3% |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Only available to residents of Saudi Arabia
***Annual Percentage Rate starts from 4.94%
Personal finance
Example 1
| Drawdown amount | APR | Maturity in Years | Monthly Installment | Early Payment Charges |
| 100K | %3.21 | 60M | 1,782.55 | Profit of future 3 installments |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 2
| Drawdown amount | APR | Maturity in Years | Monthly Installment | Early Payment Charges |
| 150K | %3.28 | 52M | 3,048.45 | Profit of future 3 installments |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Example 3
| Drawdown amount | APR | Maturity in Years | Monthly Installment | Early Payment Charges |
| 50K | %3.80 | 36M | 1,452.47 | Profit of future 3 installments |
Rates/prices presented are examples and they may vary depending on different factors such as the customer’s credit history and worthiness.
Waafer Account
Example: of 12 Months subscription in (Waafer) Account:
| Monthly deduction | Maturity in years | AER | Period | Expected Profit Amount | Expected Maturity Amount | Number of Withdrawals permitted in the first and second years. |
| 1,000 | 1 | 2.67% | 12M | §178 | §12,178 | 0 |
Example: of 24 Months subscription in (Waafer) Account:
| Monthly deduction | Maturity in years | AER | Period | Expected Profit Amount | Expected Maturity Amount | Number of Withdrawals permitted in the first, second and third years. |
| 1,000 | 2 | 2.89% | 24M | §748 | §24,748 | 0 |
Example: of 36 Months subscription in (Waafer) Account:
| Monthly deduction | Maturity in years | AER | Period | Expected Profit Amount | Expected Maturity Amount | Number of Withdrawals permitted in the first, second and third years. |
| 1,000 | 3 | 2.95% | 36M | §1,712 | §37,712 | 0 |
*AER: is an Annual Equivalent Rate, is a figure which shows what the profit rate on an account would be if profit was paid for a full year and compounded.
*AER may differ depending on the amount and the period different form the above example.
**Minimum saving amount ofSAR 100
***Withdrawals are not allowed due to the nature of the savings product.
Islamic Commodity Investment Account
Example: of 1 Months subscription in (Islamic Commodity Investment Account) Account:
| Deposit Amount | AER | Period | Expected Profit Amount | Expected Maturity Amount |
| SAR50,000 | %2.25 | 1M | SAR 21 | SAR 50,021 |
Example: of 9 Months subscription in (Islamic Commodity Investment Account) Account:
| Deposit Amount | AER | Period | Expected Profit Amount | Expected Maturity Amount |
| SAR100,000 | %1.94 | 9M | SAR 1455 | SAR 101,455 |
Example: of 12 Months subscription in (Islamic Commodity Investment Account) Account:
| Deposit Amount | AER | Period | Expected Profit Amount | Expected Maturity Amount |
| SAR25,000 | %2.55 | 12M | SAR 649 | SAR 25,649 |
*AER : is an Annual Equivalent Rate, is a figure which shows what the profit rate on an account would be if profit was paid for a full year and compounded.
**AER may differ depending on the amount and the period different form the above example.
Minimum investment amount of SAR 25,000
Islamic Mudarabah Account
Example:Expected monthly profits based on monthly average balance
| Monthly Average Balance | AER | Period | Expected Profit Amount | Frequency of Profit payment |
| SAR 50,000 | 0.10 | 1M | SAR 4.16 | Monthly |
| Monthly Average Balance | AER | Period | Expected Profit Amount | Frequency of Profit payment |
| SAR100,000 | 0.10 | 1M | SAR 8.3 | Monthly |
| Monthly Average Balance | AER | Period | Expected Profit Amount | Expected Maturity Amount |
| SAR 250,000 | 0.10 | 1M | SAR 20.8 | Monthly |
*AER : is an Annual Equivalent Rate, is a figure which shows what the profit rate on an account would be if profit was paid for a full year and compounded.
Minimum average required is SAR 5,000 or its equivalent
*For illustrative purposes only as an example. For product-specific APRs, please refer to the Bank tariff.
