What's inside
The new law, effective January 2026, opened the KSA real estate market to foreigners. You can now buy apartments and villas in designated zones. Tax cut from 10% to 5%. This guide is a step-by-step roadmap with all the traps.
Key figures
5%
RETT (was 10%)
4M
SAR → Premium Residency
5.8–7.8%
mortgage rate 2026
~7%
extra costs
Key findings
- RETT is legally paid by the SELLER — but often shifted to buyers
- You can only buy in designated zones — list at rega.gov.sa
- Mecca and Medina are off-limits to non-Muslims
- No notary — deals via the Najiz digital platform
- Purchase doesn't grant Iqama automatically, but 4M+ SAR → Premium Residency
- No annual tax on residential property
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