ANB provides property-secured self-construction financing, as one of Shari'a compliant real estate finance solutions, in a convenient and simple process, to enable you to build your house the way you desire and in a way that suits you.

Self-construction financing is offered to the customer against security of the customer owned land lot. The finance amount will be disbursed in five installments to match each stage of construction according to a specific schedule.

To view the prices, APR & terms and conditions click here


  • Finance amount up to SR 3,000,000
  • Repayment period up to 25 years
  • Fixed profit margin during the repayment period
  • Exemption of heirs from paying the remaining installments in the event of death "God forbid”.
  • Minimum salary SR 5,000
  • Minimum land lot size 250 square meters
  • The land shall be located within boundaries of bank approved cities
  • Amount of finance applied for  SR. 200,000  or more
  • Filling the finance application.
  • Personal data sheet.
  • Promise of purchase certified by ANB branch.
  • Bank statement for the last 3 months (for new customer).
  • Customer's signature on finance contracts and promissory note (once received from the Consumer Credit Department).
  • Copy of applicant’s national identification card/commercial register (for companies).
  • Partitioning minutes if the property is divided.
  • Property appraisal form.
  • Offer and acceptance.
  • Price quotation and commission statement.
  • Copy of the POA and agent’s national identification card (if any).
  • Sketch showing the location of the property.
  • Copy of the building permit.
  • Salary assignment letter (if not transferred to ANB) and salary confirmation.
  • Salary certificate.
  • Customer disclosure form.
  • Completion of medical questionnaire form (If the applicant is 65 years or older at the time of applying for the finance, or if the finance amount is SR. 3 Million or higher).
  • Passport copy, Ministry of Interior approval and salary certificate attested by the chamber of commerce (for non-Saudis).



  • For more information, please call 8001244141 or visit any of ANB branches.
  • Arab National Bank offers a consumer credit advisory service.  To utilize this service please call 920001824.
  • The annual percentage rate starts from 7.37% for a SR 500,000 finance amount for 15 years, including fees.
  • ANB terms and conditions apply.