Home Renovation Financing
Dedicated financing for home renovation, maintenance, and refurbishment, starting from SAR 18,000 and reaching up to SAR 60,000, with a repayment period of up to 4 years.
- Access the link
- Click "Submit Request"
- Select "Individuals" or "New Account"
- Agree to the privacy policy and click "Log in using Nafath"
- Complete the request submission process
- The applicant must be no younger than 18 years and no older than 70 years
- The applicant's income must not exceed SAR 14,500
- The applicant must hold a title deed for the home
- The home must be no less than 5 years old
- The land area of the building to be renovated must not exceed 1,000 square meters
- The guarantor must be no older than 55 years
- If renovation financing has been previously obtained for the same property, a period of no less than five years must have elapsed since the date of disbursement of the previous financing
- Government employee / government company:
- A copy of the applicant's ID
- IBAN number, certified by the commercial bank
- A bank statement for the last 3 salaries, certified by the commercial bank البنك التجاري*
- A copy of the home's title deed from both sides (or a copy of the ownership contract if the home was acquired through a commercial bank or company)
- A copy of a valid renovation permit from the municipality
- A subscriber periods and wages certificate issued no more than 60 days earlier from the GOSI website (if the applicant is subject to the social insurance system)
- If there are heirs or partners, the following files are required:
- Copies of the IDs of all heirs or partners
- A copy of the inheritance inventory deed
- A waiver and power-of-attorney form (click here) certified by the village chief (Umdah) and the police and signed by all heirs or partners
- Copies of the IDs of the witnesses signing the waiver and power-of-attorney form
Private sector employee:
- A copy of the applicant's ID
- IBAN number, certified by the commercial bank
- A detailed salary statement for the applicant, certified by the Chamber of Commerce and signed and stamped by the applicant's employer, dated no more than 60 days earlier
- A copy of the home's title deed from both sides (or a copy of the ownership contract if the home was acquired through a commercial bank or company)
- A copy of a valid renovation permit from the municipality
- A subscriber periods and wages certificate for the applicant, issued no more than 60 days earlier from the GOSI website
- A copy of the guarantor's ID
- A detailed salary statement for the guarantor, signed and stamped by the guarantor's employer, dated no more than 60 days earlier
- A subscriber periods and wages certificate for the guarantor, issued no more than 60 days earlier from the GOSI website (if subject to the social insurance system)
- If there are heirs or partners, the following files are required:
- Copies of the IDs of all heirs or partners
- A copy of the inheritance inventory deed
- A waiver and power-of-attorney form (click here) certified by the village chief (Umdah) and the police and signed by all heirs or partners
- Copies of the IDs of the witnesses signing the waiver and power-of-attorney form
Private sector / third sector (entities accredited by the Bank):
- A copy of the applicant's ID
- IBAN number, certified by the commercial bank
- A detailed salary statement for the applicant, certified by the Chamber of Commerce and signed and stamped by the applicant's employer, dated no more than 60 days earlier
- A copy of the home's title deed from both sides (or a copy of the ownership contract if the home was acquired through a commercial bank or company)
- A copy of a valid renovation permit from the municipality
- A subscriber periods and wages certificate issued no more than 60 days earlier from the GOSI website
- If there are heirs or partners, the following files are required:
- Copies of the IDs of all heirs or partners
- A copy of the inheritance inventory deed
- A waiver and power-of-attorney form (click here) certified by the village chief (Umdah) and the police and signed by all heirs or partners
- Copies of the IDs of the witnesses signing the waiver and power-of-attorney form
Self-employed / student / housewife:
- A copy of the applicant's ID
- IBAN number, certified by the commercial bank
- A copy of the home's title deed from both sides (or a copy of the ownership contract if the home was acquired through a commercial bank or company)
- A copy of a valid renovation permit from the municipality
- A copy of the guarantor's ID
- A salary statement for the guarantor, signed and stamped by the guarantor's employer, dated no more than 60 days earlier
- A subscriber periods and wages certificate for the guarantor, issued no more than 60 days earlier from the GOSI website (if subject to the social insurance system)
- If there are heirs or partners, the following files are required:
- Copies of the IDs of all heirs or partners
- A copy of the inheritance inventory deed
- A waiver and power-of-attorney form (click here) certified by the village chief (Umdah) and the police and signed by all heirs or partners
- Copies of the IDs of the witnesses signing the waiver and power-of-attorney form
GOSI retiree:
- A copy of the applicant's ID
- IBAN number, certified by the commercial bank
- A statement of the applicant's pension salary from the GOSI website
- A copy of the home's title deed from both sides (or a copy of the ownership contract if the home was acquired through a commercial bank or company)
- A copy of a valid renovation permit from the municipality
- A copy of the guarantor's ID
- A salary statement for the guarantor, signed and stamped by the guarantor's employer, dated no more than 60 days earlier
- A subscriber periods and wages certificate for the guarantor, issued no more than 60 days earlier from the GOSI website (if subject to the social insurance system)
- If there are heirs or partners, the following files are required:
- Copies of the IDs of all heirs or partners
- A copy of the inheritance inventory deed
- A waiver and power-of-attorney form (click here) certified by the village chief (Umdah) and the police and signed by all heirs or partners
- Copies of the IDs of the witnesses signing the waiver and power-of-attorney form
Government retiree:
- A copy of the applicant's ID
- IBAN number, certified by the commercial bank
- A copy of the home's title deed from both sides (or a copy of the ownership contract if the home was acquired through a commercial bank or company)
- A copy of a valid renovation permit from the municipality
- If there are heirs or partners, the following files are required:
- Copies of the IDs of all heirs or partners
- A copy of the inheritance inventory deed
- A waiver and power-of-attorney form (click here) certified by the village chief (Umdah) and the police and signed by all heirs or partners
- Copies of the IDs of the witnesses signing the waiver and power-of-attorney form
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