Can Expats Own Property in Saudi Arabia? (2025 Updated Guide)



 Owning property in Saudi Arabia was once a dream for many expatriates — something out of reach due to strict local laws. However, in recent years, the Kingdom has gradually opened up its real estate sector, making it possible for some foreigners to own or invest in property under specific conditions.

In this guide, we’ll explain the rules, eligibility, and process for expats who want to buy property in Saudi Arabia in 2025.

🏡 Can Expats Own Property in Saudi Arabia?

Yes, expatriates can own property in Saudi Arabia, but only under certain conditions and with official approval from the relevant authorities. The ownership rules depend on your residency status, location, and type of property.

Let’s look at the major categories:

1. For Residents with Iqama (Legal Expats)

Expats with a valid Iqama (residency permit) are allowed to own one residential property in Saudi Arabia, provided they meet the following conditions:

  • They live in the Kingdom legally.

  • The property is for personal use only (not for renting or investment).

  • The land is not located in the holy cities of Makkah or Madinah.

  • They obtain official permission from the Ministry of Interior before purchasing.

2. For Non-Residents (Foreign Investors)

Foreigners who do not live in Saudi Arabia can still invest in real estate, but through registered companies or investment funds, not individual ownership.

These investments are regulated by the Saudi Arabian General Investment Authority (SAGIA), now known as MISA (Ministry of Investment Saudi Arabia).

Investors must apply for a foreign investment license and can own properties such as:

  • Commercial buildings

  • Office spaces

  • Residential compounds

However, Makkah and Madinah remain off-limits for foreign ownership.

🚫 Property Ownership Restrictions

While Saudi Arabia is becoming more open, some areas remain restricted for expatriate ownership:

  • Makkah and Madinah: Non-Saudis cannot own or directly invest in properties here. They may, however, lease property for long-term use.

  • Border and strategic zones: Ownership in areas considered critical for national security is prohibited for foreigners.

🧾 How to Apply for Property Ownership Permission

If you are an expat living in Saudi Arabia and wish to buy a property, you need to apply for approval through the Absher platform.

Steps to Apply via Absher:

  1. Log in to your Absher Individual account.

  2. Go to Services → My Services → General Services → Request to Own Real Estate by Expatriate.

  3. Fill in the property details (city, type, value, and purpose).

  4. Upload supporting documents such as:

    • A copy of your Iqama and passport.

    • A copy of the property title deed or preliminary contract.

    • Proof of funds or financing.

  5. Submit your application and wait for approval from the Ministry of Interior.

Approval can take anywhere from a few weeks to a couple of months, depending on your case.

💰 Can Expats Get a Mortgage in Saudi Arabia?

Yes, some Saudi banks offer home financing options to expatriates, but eligibility depends on factors such as:

  • Your employer (must be recognized by the bank).

  • Length of stay and contract validity.

  • Salary and financial stability.

Banks like Al Rajhi, SABB, Riyad Bank, and ANB have specific programs for expats, though interest rates and down payments can be higher compared to citizens.

📍 Popular Cities for Expat Property Ownership

If you’re an expat planning to buy property, the most popular cities are:

  • Riyadh: The capital city with modern infrastructure and high rental potential.

  • Jeddah: A cosmopolitan coastal hub with growing residential developments.

  • Dammam & Khobar: Ideal for those working in the Eastern Province and oil sector.

These cities offer better legal transparency, access to mortgage financing, and a wide range of housing options.

📈 Why the Change in Policy?

Saudi Arabia’s Vision 2030 aims to diversify the economy and attract foreign investment.
Allowing expatriates to own property supports:

  • The growth of the real estate sector.

  • The expansion of foreign investment opportunities.

  • Long-term expat retention in the Kingdom.

🧠 Important Things to Remember

  • Property ownership is not automatic — you must get official approval.

  • Only one property can be owned for personal residential use.

  • No property ownership is allowed in Makkah or Madinah.

  • Always verify the property’s legal status before purchasing.

  • Use licensed real estate agents and lawyers to avoid scams.

🔗 Related Articles on My Life in Saudi

🏁 Final Thoughts

Owning property in Saudi Arabia as an expatriate is no longer impossible — it just requires understanding the laws and following the proper process. With the government’s growing openness and reforms, expats who plan to stay long-term can now see property ownership as a real opportunity.

If you’re thinking about buying, make sure you consult a legal advisor and submit your application through Absher for official approval.

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