{ "site": "Zullfa", "url": "https://zullfa.com", "generated": "2026-10-01", "licence": "CC BY 4.0", "licence_url": "https://creativecommons.org/licenses/by/4.0/", "terms": "https://zullfa.com/licence", "cite_as": "Zullfa (zullfa.com), with a link to the fact's url", "count": 146, "facts": [ { "key": "listed.jabal_omar.what_it_owns", "statement": "Jabal Omar Development Company describes itself as one of the largest real estate companies in the Middle East and among the major companies listed on the Saudi stock market, developing a mixed-use project beside the Grand Mosque with hospitality towers, residential units and commercial centres under international hotel brands.", "url": "https://zullfa.com/makkah/projects/jabal-omar-serviced-apartments#claim-listed-jabal_omar-what_it_owns", "source_url": "https://jabalomar.com.sa/en/", "source_title": "Jabal Omar Development Company", "source_date": "2026-09-14", "verified_on": "2026-09-14", "confidence": 4, "topics": [ "projects", "indirect" 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"2026-09-10", "confidence": 3, "topics": [ "indirect_routes" ], "entity_ids": [ "city:madinah" ] }, { "key": "process.digital_id", "statement": "Non-resident buyers obtain a Saudi digital ID designated for real estate ownership through the Ministry of Foreign Affairs (Saudi embassies).", "url": "https://zullfa.com/guides/how-to-buy-step-by-step", "source_url": "https://saudiproperties.rega.gov.sa/assets/i18n/en.json", "source_title": "Saudi Properties portal — interface text", "source_date": "2026-09-09", "verified_on": "2026-09-09", "confidence": 4, "topics": [ "process" ], "entity_ids": [ "process_step:digital-id" ] }, { "key": "process.registry", "statement": "The property must be registered in the Real Estate Registry (rer.sa); unregistered deeds are looked up at the Ministry of Justice.", "url": "https://zullfa.com/guides/how-to-buy-step-by-step", "source_url": "https://rer.sa/", "source_title": "Real Estate Registry", "source_date": "2026-09-09", "verified_on": "2026-09-09", "confidence": 4, "topics": [ "process" ], "entity_ids": [ "process_step:registry" ] }, { "key": "fee.broker", "statement": "Broker commission defaults to 2.5% of the transaction value unless agreed otherwise in writing, paid by the party who engaged the broker (Brokerage Law Art. 14).", "url": "https://zullfa.com/law-tracker#claim-fee-broker", "source_url": "https://rega.gov.sa/الأنظمة-والقرارات/الأنظمة-واللوائح-والأدلة/الأنظمة/نظام-الوساطة-العقارية/", "source_title": "REGA — Real Estate Brokerage Law", "source_date": "2026-09-09", "verified_on": "2026-09-09", "confidence": 5, "topics": [ "costs" ], "entity_ids": [ "fee:broker-commission" ] }, { "key": "advertising.licensed_platforms", "statement": "REGA has licensed 71 electronic real estate platforms and states unlicensed platforms face legal action.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://rega.gov.sa/en/media-center/news/rega-licenses-71-electronic-real-estate-platforms/", "source_title": "REGA — 71 platforms licensed", "source_date": "2026-09-09", "verified_on": "2026-09-09", "confidence": 4, "topics": [ "risk", "platform" ], "entity_ids": [ "regulation:advertising-2026" ] }, { "key": "projects.king_salman_gate", "statement": "King Salman Gate plans around 50,000 residential units and 16,000 hotel keys next to the Haram and describes itself as open to all Muslims worldwide; sales have not launched and only interest registration is open.", "url": "https://zullfa.com/makkah/projects/king-salman-gate#claim-projects-king_salman_gate", "source_url": "https://www.kingsalmangate.com/faqs/", "source_title": "King Salman Gate — FAQ", "source_date": "2026-09-09", "verified_on": "2026-09-09", "confidence": 3, "topics": [ "projects" ], "entity_ids": [ "project:king-salman-gate" ] }, { "key": "indirect.jadwa_reit", "statement": "Jadwa REIT Al Haramain (Tadawul 4332) holds Makkah hotel assets and is a listed route to exposure to Makkah real estate.", "url": "https://zullfa.com/guides/indirect-routes", "source_url": "https://www.jadwa.com/en/reit-alharamain", "source_title": "Jadwa — REIT Al Haramain", "source_date": "2026-09-09", "verified_on": "2026-09-09", "confidence": 4, "topics": [ "indirect_routes", "investment" ], "entity_ids": [ "fund_or_reit:jadwa-reit-al-haramain" ] }, { "key": "portals.no_outbound_feeds", "statement": "Aqar, Bayut.sa and Property Finder offer no public outbound listing feeds and their terms prohibit scraping; brokers push listings to them through inbound XML feeds.", "url": "https://zullfa.com/guides/how-to-buy-step-by-step", "source_url": "https://www.bayut.sa/en/terms.html", "source_title": "Bayut.sa — Terms", "source_date": "2026-09-09", "verified_on": "2026-09-09", "confidence": 4, "topics": [ "platform" ], "entity_ids": [] }, { "key": "advertising.ad_must_show_licence_number", "statement": "Under the advertising rules in force since 1 May 2026, every real estate advertisement must display its advertisement licence number together with the advertiser's name and REGA licence number and contact details.", "url": "https://zullfa.com/law-tracker#claim-advertising-ad_must_show_licence_number", "source_url": "https://gulfconstructiononline.com/Article/464369/understanding-rega%E2%80%99s-new-marketing-rules", "source_title": "Gulf Construction — Understanding REGA's new marketing rules", "source_date": "2026-09-09", "verified_on": "2026-09-10", "confidence": 3, "topics": [ "risk", "law" ], "entity_ids": [ "regulation:advertising-2026" ] }, { "key": "pr.products.seven", "statement": "Premium Residency has seven products: Unlimited Duration (SAR 800,000 one-time), Limited Duration (SAR 100,000 a year), Special Talent, Gifted, Investor, Entrepreneur and Real Estate Owner, the last five each carrying a SAR 4,000 fee.", "url": "https://zullfa.com/residency", "source_url": "https://www.realestatesaudi.com/premium-residency-saudi-arabia/", "source_title": "Real Estate Saudi — Premium Residency 7 types, 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"https://zullfa.com/guides/indirect-routes", "source_url": "https://www.prnewswire.com/news-releases/sedco-capital-and-wahed-partner-to-broaden-access-to-makkah-and-madinah-real-estate-302871139.html", "source_title": "PR Newswire — SEDCO Capital × Wahed", "source_date": "2026-09-07", "verified_on": "2026-09-10", "confidence": 3, "topics": [ "indirect_routes", "investment" ], "entity_ids": [ "fund_or_reit:sedco-wahed-makkah-madinah" ] }, { "key": "market.jll_hotels_q2_2026", "statement": "JLL reported that in Q2 2026 Makkah hotel occupancy rose 4.0 percentage points year on year to 68.2% with RevPAR up 8.7%, while Madinah recorded the Kingdom's highest occupancy at 75.1% with RevPAR down 2.4%.", "url": "https://zullfa.com/guides/own-use-or-investment", "source_url": "https://www.gdnonline.com/Details/1404484", "source_title": "GDN — Saudi hotel sector, Makkah RevPAR rises 8.7pc: JLL", "source_date": "2026-08-26", "verified_on": "2026-09-10", "confidence": 3, "topics": [ "market", "investment" ], "entity_ids": [ "city:makkah", "city:madinah" ] }, { "key": "demand.kec_al_alya", "statement": "Knowledge Economic City reported that 231 of 351 units in its Al-Alya project in Madinah were reserved by non-Saudi buyers, worth more than SAR 547 million, by July 2026.", "url": "https://zullfa.com/madinah/projects/kec-al-alya#claim-demand-kec_al_alya", "source_url": "https://www.zawya.com/en/projects/knowledge-economic-city-says-231-housing-units-sold-to-non-saudi-buyers-in-madinah-project-408289", "source_title": "Zawya — KEC non-Saudi sales", "source_date": "2026-07-24", "verified_on": "2026-09-09", "confidence": 4, "topics": [ "projects", "demand" ], "entity_ids": [ "project:kec-al-alya", "developer:kec" ] }, { "key": "fee.non_saudi.rate", "statement": "The non-Saudi ownership fee is set at 2% in Riyadh, Jeddah, Makkah and Madinah under Executive Regulations Art. 9; the law caps it at 5%.", "url": "https://zullfa.com/law-tracker#claim-fee-non_saudi-rate", "source_url": "https://gulfbusiness.com/en/2026/saudi-arabia/property-transaction-tax-for-foreign-buyers-saudi-issues-clarification/", "source_title": "Gulf Business — REGA clarification", "source_date": "2026-07-08", "verified_on": "2026-09-09", "confidence": 4, "topics": [ "costs" ], "entity_ids": [ "fee:non-saudi-ownership" ] }, { "key": "tenure.kec.title_deed_after_handover", "statement": "Knowledge Economic City states that eligible non-Saudi buyers complete the requirements on the Saudi Properties portal before purchasing and receive their title deed following handover.", "url": "https://zullfa.com/madinah/projects/kec-al-alya#claim-tenure-kec-title_deed_after_handover", "source_url": "https://www.zawya.com/en/press-release/companies-news/knowledge-economic-city-welcomes-eligible-international-buyers-to-own-property-in-one-of-islams-holiest-cities-k8s3x3x6", "source_title": "Knowledge Economic City — press release", "source_date": "2026-07-08", "verified_on": "2026-09-15", "confidence": 4, "topics": [ "projects", "process" ], "entity_ids": [ "project:kec-al-alya", "developer:kec" ] }, { "key": "fee.zero_rate_cases", "statement": "Zero-rated cases for the non-Saudi fee include estate division, court orders, donations to the state or waqf, resale to the original owner within 180 days, co-owner partition, and developer unit sales within the licence period plus one year.", "url": "https://zullfa.com/law-tracker#claim-fee-zero_rate_cases", "source_url": "https://www.natlawreview.com/article/kingdom-saudi-arabia-publishes-implementing-regulations-foreign-ownership-real", "source_title": "National Law Review — implementing regulations", "source_date": "2026-07-06", "verified_on": "2026-09-09", "confidence": 3, "topics": [ "costs" ], "entity_ids": [ "fee:non-saudi-ownership" ] }, { "key": "companies.foreign_incorporated_excluded", "statement": "Foreign-incorporated companies and non-profits cannot own in Makkah and Madinah; Saudi-incorporated companies with foreign shareholders 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"2026-09-09", "confidence": 4, "topics": [ "process" ], "entity_ids": [ "process_step:bank-account", "process_step:portal-application" ] }, { "key": "regs.payment_before_title", "statement": "All financial transactions for a non-Saudi's property purchase must be completed through electronic payment systems approved under Saudi Central Bank regulations before the title is transferred through the Real Estate Registry (Regulations Art. 6).", "url": "https://zullfa.com/guides/how-to-buy-step-by-step", "source_url": "https://saudigazette.com.sa/article/662706", "source_title": "Saudi Gazette — Saudi Arabia unveils detailed rules for foreign property ownership (3 July 2026)", "source_date": "2026-07-03", "verified_on": "2026-09-10", "confidence": 4, "topics": [ "process", "payment" ], "entity_ids": [ "regulation:non-saudi-ownership-executive-regs", "process_step:portal-application" ] }, { "key": "regs.art8_3.company_owns_in_holy_city_zones", "statement": "Under Executive Regulations Art. 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"source_url": "https://www.uqn.gov.sa/decisions-and-regulations/4001281", "source_title": "Umm Al-Qura — Executive Regulations, Art. 3", "source_date": "2026-07-03", "verified_on": "2026-09-13", "confidence": 4, "topics": [ "companies", "process" ], "entity_ids": [ "regulation:non-saudi-ownership-executive-regs" ] }, { "key": "regs.art2.nonresident_prerequisites", "statement": "Executive Regulations Art. 2 set three prerequisites for a non-resident non-Saudi individual before owning: a digital ID, a bank account in the Kingdom in their own name, and a Saudi phone number in their name linked to the digital ID.", "url": "https://zullfa.com/guides/how-to-buy-step-by-step", "source_url": "https://www.uqn.gov.sa/decisions-and-regulations/4001281", "source_title": "Umm Al-Qura — Executive Regulations, Art. 2", "source_date": "2026-07-03", "verified_on": "2026-09-13", "confidence": 5, "topics": [ "process", "eligibility" ], "entity_ids": [ "regulation:non-saudi-ownership-executive-regs", 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customer's home bank.", "url": "https://zullfa.com/guides/how-to-buy-step-by-step", "source_url": "https://rulebook.sama.gov.sa/en/20024-non-saudi-natural-persons-outside-saudi-arabia-covered-law-real-estate-ownership-non-saudis", "source_title": "SAMA Rulebook — 200.2.4 Non-Saudi Natural Persons Outside Saudi Arabia Covered by the Law of Real Estate Ownership by Non-Saudis", "source_date": "2026-07-01", "verified_on": "2026-09-10", "confidence": 5, "topics": [ "process", "payment" ], "entity_ids": [ "process_step:bank-account" ] }, { "key": "bank.sama_nonresident_controls", "statement": "Under SAMA rule 200.2.4 a non-resident buyer's Saudi account is restricted to owning real estate, only one such account may be opened remotely, no payment or credit cards are issued, joint accounts and signatories from abroad are not allowed, the customer is verified in the Kingdom including by biometric authentication, and real-estate payments run through approved channels such as the Real Estate Registry platform, Ejar, Sadad bills or a licensed broker.", "url": "https://zullfa.com/guides/how-to-buy-step-by-step", "source_url": "https://rulebook.sama.gov.sa/en/20024-non-saudi-natural-persons-outside-saudi-arabia-covered-law-real-estate-ownership-non-saudis", "source_title": "SAMA Rulebook — 200.2.4 Non-Saudi Natural Persons Outside Saudi Arabia Covered by the Law of Real Estate Ownership by Non-Saudis", "source_date": "2026-07-01", "verified_on": "2026-09-10", "confidence": 5, "topics": [ "process", "payment" ], "entity_ids": [ "process_step:bank-account" ] }, { "key": "market.moj.quarterly_sales", "statement": "The Ministry of Justice publishes every registered real-estate sale in the Kingdom each quarter on the national open-data portal as a per-transaction table (region, city, district, date, property class, number of properties, price and area) under the Open Data Licence; the second-quarter 2026 file holds 34,664 sales, 1,373 of them in Makkah and 2,315 in Madinah.", "url": "https://zullfa.com/guides/own-use-or-investment", "source_url": "https://open.data.gov.sa/ar/datasets/view/34e1da80-d4cd-4d65-bdc8-a8d48a7e7ee2", "source_title": "Ministry of Justice — الصفقات العقارية 2026 الربع الثاني (open.data.gov.sa)", "source_date": "2026-06-30", "verified_on": "2026-09-16", "confidence": 5, "topics": [ "market" ], "entity_ids": [ "city:makkah", "city:madinah" ] }, { "key": "portal.applications_open", "statement": "The Saudi Properties portal was open and receiving non-Saudi ownership applications by the end of June 2026, the same month the Cabinet approved the executive regulations and the geographic zones.", "url": "https://zullfa.com/guides/how-to-buy-step-by-step", "source_url": "https://enterpriseam.com/ksa/2026/06/30/mapping-the-real-estate-foreign-ownership-zones/", "source_title": "EnterpriseAM — mapping the real estate foreign ownership zones", "source_date": "2026-06-30", "verified_on": "2026-09-18", "confidence": 4, "topics": [ "process" ], "entity_ids": [ "law:non-saudi-ownership-2025" ] }, { "key": "projects.jabal_omar.tadawul_400", "statement": "In a Saudi Exchange announcement dated 28 June 2026, Jabal Omar Development Company said it will offer 400 existing hotel residential units for sale during 2026 as a first phase, with proceeds directed primarily to reducing the company's debt.", "url": "https://zullfa.com/makkah/projects/jabal-omar-serviced-apartments#claim-projects-jabal_omar-tadawul_400", "source_url": "https://www.saudiexchange.sa/wps/portal/saudiexchange/newsandreports/issuer-news/issuer-announcements/issuer-announcements-details/?anId=96407&anCat=1&cs=4250&locale=en", "source_title": "Saudi Exchange — Jabal Omar announces its strategy to capitalize on the inclusion of Jabal Omar within the geographic areas where non-Saudis may own real estate", "source_date": "2026-06-28", "verified_on": "2026-09-10", "confidence": 5, "topics": [ "projects" ], "entity_ids": [ "project:jabal-omar-serviced-apartments", "developer:jabal-omar", "zone:makkah-jabal-omar" ] }, { "key": "projects.jabal_omar.phase7_offplan", "statement": "Jabal Omar's 28 June 2026 announcement says its Phase 7 development strategy will focus on increasing the number of hotel residential units designated for sale and on off-plan sales products.", "url": "https://zullfa.com/makkah/projects/jabal-omar-serviced-apartments#claim-projects-jabal_omar-phase7_offplan", "source_url": "https://www.saudiexchange.sa/wps/portal/saudiexchange/newsandreports/issuer-news/issuer-announcements/issuer-announcements-details/?anId=96407&anCat=1&cs=4250&locale=en", "source_title": "Saudi Exchange — Jabal Omar strategy announcement", "source_date": "2026-06-28", "verified_on": "2026-09-10", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:jabal-omar-serviced-apartments", "developer:jabal-omar" ] }, { "key": "zones.map.how_to_check", "statement": "To check a location, open the interactive zones map on the Saudi Properties portal, search for the neighbourhood or location, and view whether ownership is shown as available or not available there.", "url": "https://zullfa.com/law-tracker#claim-zones-map-how_to_check", "source_url": "https://skylineholding.com/en/blog/official-ksa-geographical-zones-for-foreign-ownership", "source_title": "Skyline Holding — Foreign property ownership map in Saudi Arabia 2026", "source_date": "2026-06-26", "verified_on": "2026-09-10", "confidence": 3, "topics": [ "zones", "process" ], "entity_ids": [ "regulation:geographic-zones-2026", "process_step:portal-application" ] }, { "key": "zones.makkah.list", "statement": "The designated zones named in Makkah are Abraj Makkah, Al-Manar, Burj Ajyad, King Salman Gate, Tilal Village, Jabal Omar, Thakher (Dhakhir) Makkah, Dahiyat Sumou, Masar, and Makkah Zones 1 and 2, eleven named areas in all.", "url": "https://zullfa.com/law-tracker#claim-zones-makkah-list", "source_url": "https://www.arabnews.com/node/2648393/business-economy", "source_title": "Arab News — zones list", "source_date": "2026-06-24", "verified_on": "2026-09-09", "confidence": 4, "topics": [ "zones" ], "entity_ids": [ "city:makkah", "regulation:geographic-zones-2026" ] }, { "key": "zones.madinah.list", "statement": "The designated zones named in Madinah are Al-Ghurra, Madinah Zones 1 and 2, Al-Mahwa, Darat Al-Hijra, Downtown Madinah, Diyar Al-Maqar, Rua Al-Madinah, Knowledge Economic City, and Mishraf, ten named areas in all.", "url": "https://zullfa.com/law-tracker#claim-zones-madinah-list", "source_url": "https://www.arabnews.com/node/2648393/business-economy", "source_title": "Arab News — zones list", "source_date": "2026-06-24", "verified_on": "2026-09-09", "confidence": 4, "topics": [ "zones" ], "entity_ids": [ "city:madinah", "regulation:geographic-zones-2026" ] }, { "key": "regs.approved", "statement": "The Cabinet approved the Executive Regulations (decision 9) and the geographic scopes (decision 10) on 23 June 2026, and applications opened the same day on the Saudi Properties portal.", "url": "https://zullfa.com/law-tracker#claim-regs-approved", "source_url": "https://www.spa.gov.sa/N2619138", "source_title": "SPA — Cabinet session", "source_date": "2026-06-23", "verified_on": "2026-09-09", "confidence": 5, "topics": [ "law", "zones", "process" ], "entity_ids": [ "regulation:non-saudi-ownership-executive-regs", "regulation:geographic-zones-2026", "process_step:portal-application" ] }, { "key": "zones.official_map", "statement": "The official interactive map of designated zones is published on the Saudi Properties portal at saudiproperties.rega.gov.sa/zones.", "url": "https://zullfa.com/law-tracker#claim-zones-official_map", "source_url": "https://saudiproperties.rega.gov.sa/zones", "source_title": "Saudi Properties portal — zones", "source_date": "2026-06-23", "verified_on": "2026-09-09", "confidence": 5, "topics": [ "zones" ], "entity_ids": [ "regulation:geographic-zones-2026" ] }, { "key": "rega.three_tracks_june_2026", "statement": "REGA's 23 June 2026 announcement describes three tracks on the Saudi Properties portal: residents apply with their residency number and automated eligibility checks; non-residents first obtain a digital ID from Saudi missions abroad; non-Saudi companies register with the Ministry of Investment through Invest Saudi and obtain a national unified number before completing ownership electronically.", "url": "https://zullfa.com/guides/how-to-buy-step-by-step", "source_url": "https://www.prnewswire.com/news-releases/saudi-properties-portal-to-accept-applications-for-foreign-real-estate-ownership-302808302.html", "source_title": "REGA via PR Newswire — Saudi Properties portal to accept applications", "source_date": "2026-06-23", "verified_on": "2026-09-13", "confidence": 4, "topics": [ "process", "companies" ], "entity_ids": [ "process_step:portal-application", "process_step:digital-id" ] }, { "key": "pilgrims.hajj_2026", "statement": "Hajj 2026 had 1,707,301 pilgrims, of whom 1,546,655 came from abroad.", "url": "https://zullfa.com/guides/own-use-or-investment", "source_url": "https://www.stats.gov.sa/en/w/news/194", "source_title": "GASTAT — Hajj statistics", "source_date": "2026-06-01", "verified_on": "2026-09-09", "confidence": 5, "topics": [ "demand", "investment" ], "entity_ids": [ "city:makkah" ] }, { "key": "misa.registration_10_working_days", "statement": "MISA's Investor Guide (13th edition, 2026) lists a standard processing time of 10 working days for a foreign investment registration, with the registration fee set by the Ministry on approval and payable within 15 business days.", "url": "https://zullfa.com/guides/ways-to-own-in-makkah-and-madinah", "source_url": "https://misa.gov.sa/app/uploads/2026/06/Investor-Guide_13-02_en.pdf", "source_title": "MISA — Investor Guide, 13th edition", "source_date": "2026-06-01", "verified_on": "2026-09-13", "confidence": 4, "topics": [ "companies", "process" ], "entity_ids": [] }, { "key": "misa.company_property_ownership_registration_free", "statement": "MISA's Investor Guide lists a dedicated service, \"Registration of Non-Saudi Companies for the Purpose of Real Estate Ownership\", with no fee and a 10-working-day processing time, requiring an embassy-authenticated commercial register, the articles of association and a representative's authorisation.", "url": "https://zullfa.com/law-tracker#claim-misa-company_property_ownership_registration_free", "source_url": "https://misa.gov.sa/app/uploads/2026/06/Investor-Guide_13-02_en.pdf", "source_title": "MISA — Investor Guide, 13th edition", "source_date": "2026-06-01", "verified_on": "2026-09-13", "confidence": 4, "topics": [ "companies", "process", "costs" ], "entity_ids": [] }, { "key": "fee.vacant_property", "statement": "Regulations approved on 13 May 2026 introduce a vacant-property fee of up to 5% per year of value for buildings unused for six months or more, in zones to be announced.", "url": "https://zullfa.com/law-tracker#claim-fee-vacant_property", "source_url": "https://www.spa.gov.sa/N2584671", "source_title": "SPA — vacant property fee", "source_date": "2026-05-13", "verified_on": "2026-09-09", "confidence": 4, "topics": [ "costs", "investment" ], "entity_ids": [ "fee:vacant-property" ] }, { "key": "fee.vacant_property.detail", "statement": "Under the vacant-property regulations announced on 13 May 2026, a building counts as vacant if unused for 6 months, consecutive or not, in the reference year; the zones are set by decision of the Minister of Municipalities and Housing; cases where occupancy is impossible for reasons beyond the owner's control are exempted; and the fee is payable within six months of the invoice, with a right to object.", "url": "https://zullfa.com/law-tracker#claim-fee-vacant_property-detail", "source_url": "https://www.spa.gov.sa/N2584671", "source_title": "SPA — vacant property fee regulations", "source_date": "2026-05-13", "verified_on": "2026-09-10", "confidence": 4, "topics": [ "costs", "investment" ], "entity_ids": [ "fee:vacant-property" ] }, { "key": "mortgage.nonresident_unavailable", "statement": "Market guides published between January and August 2026 agree that Saudi bank mortgages are in practice not available to non-residents living abroad, because banks require Saudi residency and locally evidenced income, so non-resident buyers generally fund in cash or through developer payment plans.", "url": "https://zullfa.com/guides/paying-for-it", "source_url": "https://www.omniacapitalgroup.com/en/reports/common-pitfalls-when-buying-property-in-saudi-arabia-from-abroad", "source_title": "Omnia Capital Group — Common pitfalls when buying property in Saudi Arabia from abroad", "source_date": "2026-05-10", "verified_on": "2026-09-10", "confidence": 3, "topics": [ "payment" ], "entity_ids": [] }, { "key": "advertising.regulation_effective", "statement": "Since 1 May 2026 every real estate advertisement on any channel requires a REGA advertisement licence, and electronic platforms must integrate with REGA, verify advertisers via Nafath and host in the Kingdom.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://www.spa.gov.sa/N2575449", "source_title": "SPA — Marketing & Advertising Regulation", "source_date": "2026-05-01", "verified_on": "2026-09-09", "confidence": 4, "topics": [ "risk", "platform" ], "entity_ids": [ "regulation:advertising-2026" ] }, { "key": "advertising.penalties_per_table", "statement": "The advertising regulation requires an independent real estate advertisement licence before any ad is published, prohibits publishing false or misleading data, and applies penalties to detected violations according to a classification table of violations and penalties.", "url": "https://zullfa.com/law-tracker#claim-advertising-penalties_per_table", "source_url": "https://www.spa.gov.sa/N2575449", "source_title": "SPA — REGA real estate marketing and advertising regulation", "source_date": "2026-04-30", "verified_on": "2026-09-10", "confidence": 5, "topics": [ "risk", "law" ], "entity_ids": [ "regulation:advertising-2026" ] }, { "key": "projects.rihab_makkah_gate.spa", "statement": "NHC's Rihab Makkah Gate is described by the Saudi Press Agency as the company's first integrated residential destination inside the Haram boundary, in the Makkah Gate destination on Prince Mohammed bin Salman Road, with 1,900 units on more than 217,000 m² and apartments of up to 164 m².", "url": "https://zullfa.com/makkah/projects/rihab-makkah-gate#claim-projects-rihab_makkah_gate-spa", "source_url": "https://www.spa.gov.sa/N2516481", "source_title": "SPA — \"رحاب بوابة مكة\" مشروع نوعي من NHC بالعاصمة المقدسة", "source_date": "2026-02-17", "verified_on": "2026-09-13", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:rihab-makkah-gate", "developer:nhc" ] }, { "key": "cma.single_foreign_investor_under_10pct_2026", "statement": "Under the CMA rules in force from 1 February 2026 a non-resident foreign investor that is not a strategic investor may not own 10% or more of a listed issuer's shares, the Qualified Foreign Investor regime is abolished, and foreign individuals may hold listed securities directly.", "url": "https://zullfa.com/law-tracker#claim-cma-single_foreign_investor_under_10pct_2026", "source_url": "https://www.gibsondunn.com/saudi-cma-liberalizes-foreign-investment-access-and-regulates-real-estate-ownership-by-listed-companies-and-funds/", "source_title": "Gibson Dunn — Saudi CMA liberalises foreign investment access", "source_date": "2026-01-29", "verified_on": "2026-09-13", "confidence": 4, "topics": [ "indirect", "law" ], "entity_ids": [] }, { "key": "law.effective_date", "statement": "The Law of Real Estate Ownership by Non-Saudis entered into force on 22 January 2026.", "url": "https://zullfa.com/law-tracker#claim-law-effective_date", "source_url": "https://rega.gov.sa/en/media-center/news-announcements/rega-non-saudi-property-ownership-system-enters-into-force-as-of-today/", "source_title": "REGA — system enters into force", "source_date": "2026-01-22", "verified_on": "2026-09-09", "confidence": 5, "topics": [ "eligibility", "law" ], "entity_ids": [ "law:non-saudi-ownership-2025" ] }, { "key": "holy_cities.muslim_individuals_only", "statement": "In Makkah and Madinah, non-Saudi ownership and real rights are limited to Muslim natural persons (Law Art. 2(4)); REGA states this applies whether residing inside or outside the Kingdom.", "url": "https://zullfa.com/guides/can-foreigners-buy-property-in-makkah-and-madinah", "source_url": "https://rega.gov.sa/en/media-center/news-announcements/rega-non-saudi-property-ownership-system-enters-into-force-as-of-today/", "source_title": "REGA — system enters into force", "source_date": "2026-01-22", "verified_on": "2026-09-09", "confidence": 5, "topics": [ "eligibility" ], "entity_ids": [ "city:makkah", "city:madinah", "law:non-saudi-ownership-2025" ] }, { "key": "process.resident_iqama_nonresident_embassy", "statement": "REGA states that residents apply directly on the Saudi Properties portal with their Iqama number, while for non-residents the journey begins at Saudi embassies and representations abroad, which issue the digital identity used to complete the application on the portal.", "url": "https://zullfa.com/guides/how-to-buy-step-by-step", "source_url": "https://rega.gov.sa/en/media-center/news-announcements/rega-non-saudi-property-ownership-system-enters-into-force-as-of-today/", "source_title": "REGA — Non-Saudi Property Ownership System Enters into Force as of Today", "source_date": "2026-01-22", "verified_on": "2026-09-10", "confidence": 5, "topics": [ "process" ], "entity_ids": [ "process_step:digital-id", "process_step:portal-application" ] }, { "key": "cma.qfi_abolished_2026", "statement": "The Capital Market Authority announced on 6 January 2026, effective 1 February 2026, that all categories of foreign investors, institutional and individual, may invest directly in the Saudi main market through licensed Saudi brokerages without Qualified Foreign Investor status, keeping the 49% aggregate and 10% single-investor ownership caps and sector-specific restrictions.", "url": "https://zullfa.com/guides/indirect-routes", "source_url": "https://www.gtlaw.com/en/insights/2026/1/saudi-arabia-abolishes-qfi-status-and-opens-the-market-to-all-foreign-investors", "source_title": "Greenberg Traurig — Saudi Arabia abolishes QFI status", "source_date": "2026-01-15", "verified_on": "2026-09-28", "confidence": 4, "topics": [ "indirect_routes", "investment" ], "entity_ids": [] }, { "key": "wafi.escrow_release_by_progress", "statement": "Two secondary guides state that buyer payments in a Wafi project are held in the project escrow account and released to the developer according to construction progress, with disbursement depending on completion percentages assessed by the supervising engineering office.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://raghdan.sa/en/news/complete-guide-to-off-plan-sales-in-saudi-arabia-2025-everything-developers-and-buyers-need-to-know-about-the-wafi-system/", "source_title": "Raghdan Real Estate — Complete guide to off-plan sales in Saudi Arabia (Wafi)", "source_date": "2025-12-17", "verified_on": "2026-09-10", "confidence": 3, "topics": [ "risk", "process" ], "entity_ids": [ "regulation:wafi-off-plan" ] }, { "key": "projects.kec_al_alya.masterplan", "statement": "KEC's press release of 30 September 2025 describes Al-Alya as around 2,000 residential units of contemporary apartments, serviced apartments and 70 villas, plus a Hyatt Centric hotel with 144 rooms and 480 Hyatt House serviced apartments, 10 minutes from the Prophet's Mosque.", "url": "https://zullfa.com/madinah/projects/kec-al-alya#claim-projects-kec_al_alya-masterplan", "source_url": "https://www.eyeofriyadh.com/news/details/knowledge-economic-city-continues-the-sales-of-al-alyaa-residential-project-with-distinctive-investment-opportunities-and-limited-units", "source_title": "Knowledge Economic City press release — KEC continues the sales of Al-Alyaa residential project", "source_date": "2025-09-30", "verified_on": "2026-09-10", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:kec-al-alya", "developer:kec", "zone:madinah-knowledge-economic-city" ] }, { "key": "rent.ejar_registration_mandatory", "statement": "Every residential and commercial lease in Saudi Arabia, whatever its term, must be registered on REGA's Ejar platform or it is unenforceable; a tenant can register the contract if the landlord refuses, and the landlord may object within 60 days.", "url": "https://zullfa.com/invest", "source_url": "https://www.trowers.com/insights/2025/august/saudi-arabia---landlord-and-tenant", "source_title": "Trowers & Hamlins — Saudi Arabia landlord and tenant", "source_date": "2025-08-01", "verified_on": "2026-09-10", "confidence": 4, "topics": [ "investment", "process" ], "entity_ids": [] }, { "key": "market.knight_frank_transactions_h1_2025", "statement": "Knight Frank reported that in the first half of 2025 residential transaction values in Madinah rose 49% year on year to SAR 3.4 billion with volumes up 38%, while in Makkah transaction values fell 33% and volumes rose 11%.", "url": "https://zullfa.com/guides/own-use-or-investment", "source_url": "https://www.knightfrank.ae/newsroom/article/2025/8/saudi-arabia-residential-market-overview", "source_title": "Knight Frank — Saudi Arabia residential market review, H1 2025", "source_date": "2025-08-01", "verified_on": "2026-09-10", "confidence": 3, "topics": [ "market", "investment" ], "entity_ids": [ "city:makkah", "city:madinah" ] }, { "key": "law.decree", "statement": "The law was approved by Cabinet Decision 42 (13/1/1447H) and issued by Royal Decree M/14 (19/1/1447H), replacing the 2000 law (M/15).", "url": "https://zullfa.com/law-tracker#claim-law-decree", "source_url": "https://rega.gov.sa/الأنظمة-والقرارات/الأنظمة-واللوائح-والأدلة/الأنظمة/نظام-تملك-غير-السعوديين-للعقار/", "source_title": "REGA — law text", "source_date": "2025-07-25", "verified_on": "2026-09-09", "confidence": 5, "topics": [ "law" ], "entity_ids": [ "law:non-saudi-ownership-2025" ] }, { "key": "holy_cities.zones_only", "statement": "In Makkah and Madinah, non-Saudi purchases are only possible inside the designated geographic zones; the 'one residence outside zones' right for residents does not apply to the two holy cities.", "url": "https://zullfa.com/law-tracker#claim-holy_cities-zones_only", "source_url": "https://rega.gov.sa/الأنظمة-والقرارات/الأنظمة-واللوائح-والأدلة/الأنظمة/نظام-تملك-غير-السعوديين-للعقار/", "source_title": "REGA — law text, Art. 2(3)", "source_date": "2025-07-25", "verified_on": "2026-09-09", "confidence": 4, "topics": [ "eligibility", "zones" ], "entity_ids": [ "city:makkah", "city:madinah" ] }, { "key": "companies.listed_and_funds", "statement": "Tadawul-listed companies, licensed funds and SPVs may own real estate Kingdom-wide including Makkah and Madinah under CMA rules (Law Art. 4).", "url": "https://zullfa.com/invest", "source_url": "https://rega.gov.sa/الأنظمة-والقرارات/الأنظمة-واللوائح-والأدلة/الأنظمة/نظام-تملك-غير-السعوديين-للعقار/", "source_title": "REGA — law text", "source_date": "2025-07-25", "verified_on": "2026-09-09", "confidence": 4, "topics": [ "investment" ], "entity_ids": [ "law:non-saudi-ownership-2025" ] }, { "key": "penalties.false_information", "statement": "Deliberately false information in an ownership application can lead to a fine of up to 5% of the property value (max SAR 10 million) and a court-ordered sale (Law Art. 12).", "url": "https://zullfa.com/law-tracker#claim-penalties-false_information", "source_url": 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"projects" ], "entity_ids": [ "project:roshn-almanar", "developer:roshn", "zone:makkah-al-manar" ] }, { "key": "projects.roshn_almanar.no_public_prices", "statement": "ROSHN's Almanar first-phase page does not publish starting prices, payment plans or delivery dates; these are given through ROSHN's sales channels.", "url": "https://zullfa.com/makkah/projects/roshn-almanar#claim-projects-roshn_almanar-no_public_prices", "source_url": "https://www.roshn.sa/communities/almanar/almanar-first-phase", "source_title": "ROSHN — Almanar first phase", "source_date": null, "verified_on": "2026-09-10", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:roshn-almanar", "developer:roshn" ] }, { "key": "projects.king_salman_gate.sales_center", "statement": "King Salman Gate's FAQ says sales are to be announced as development progresses, that a dedicated sales centre will be launched and announced later, and that registering interest does not guarantee a unit reservation.", "url": "https://zullfa.com/makkah/projects/king-salman-gate#claim-projects-king_salman_gate-sales_center", "source_url": "https://www.kingsalmangate.com/faqs/", "source_title": "King Salman Gate — FAQs", "source_date": null, "verified_on": "2026-09-10", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:king-salman-gate", "developer:rua-al-haram", "zone:makkah-king-salman-gate" ] }, { "key": "projects.rua_al_madinah.fairmont_register", "statement": "Rua Al Madinah Holding, a Public Investment Fund company, markets Fairmont Residences Rua Al Madinah next to the Prophet's Mosque with a 'register your interest' page at fairmontresidencesruaalmadinah.com rather than open sales.", "url": "https://zullfa.com/madinah/projects/rua-al-madinah#claim-projects-rua_al_madinah-fairmont_register", "source_url": "https://www.ruaalmadinah.com", "source_title": "Rua Al Madinah Holding — home page", "source_date": null, "verified_on": "2026-09-10", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:rua-al-madinah", "developer:rua-al-madinah", "zone:madinah-rua-al-madinah" ] }, { "key": "projects.dar_al_hijrah.scope", "statement": "Rua Al Madinah Holding offers Dar Al Hijrah to investors as three shell-and-core hotel towers of approximately 380, 380 and 614 keys and four office towers, 10 minutes from the Prophet's Mosque and 5 minutes from Quba Mosque, within a masterplan of over 1.1 million sqm.", "url": "https://zullfa.com/madinah/projects/dar-al-hijrah#claim-projects-dar_al_hijrah-scope", "source_url": "https://www.ruaalmadinah.com/dar-al-hijrah-project-en/", "source_title": "Rua Al Madinah Holding — Dar Al Hijrah project", "source_date": null, "verified_on": "2026-09-10", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:dar-al-hijrah", "developer:rua-al-madinah", "zone:madinah-darat-al-hijra" ] }, { "key": "fal.definition", "statement": "REGA defines the FAL licence as an official permit that allows individuals and establishments to conduct real estate activities within the capacity of the licence, covering brokerage and marketing, property management, facility management, auctions, consultations and real estate advertising.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://rega.gov.sa/en/rega-services/platforms/fal-real-estate-brokerage/", "source_title": "REGA — FAL Real Estate Brokerage platform", "source_date": null, "verified_on": "2026-09-10", "confidence": 5, "topics": [ "risk", "process" ], "entity_ids": [ "regulation:advertising-2026" ] }, { "key": "fal.verify_service", "statement": "Anyone can check a real estate broker's FAL licence through REGA's public broker inquiry service, searching by broker licence number, brokerage contract number or ownership document number, via the Inquiries service at eservicesredp.rega.gov.sa/auth/queries.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://rega.gov.sa/en/rega-services/eservices/inquiring-about-real-estate-broker-real-estate-broker-license/", "source_title": "REGA — Inquiring about real estate broker / broker licence", "source_date": null, "verified_on": "2026-09-10", "confidence": 5, "topics": [ "risk", "process" ], "entity_ids": [ "regulation:advertising-2026" ] }, { "key": "wafi.definition", "statement": "REGA describes Wafi as the official organisation in Saudi Arabia that grants licences for selling off-plan real estate units, and its licences include off-plan sales licences, marketing licences with or without receiving reservation amounts, and developer qualification certificates.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://rega.gov.sa/en/rega-services/platforms/wafi-off-plan-sales-and-lease/", "source_title": "REGA — Wafi off-plan sales and lease platform", "source_date": null, "verified_on": "2026-09-10", "confidence": 5, "topics": [ "risk", "process" ], "entity_ids": [ "regulation:wafi-off-plan" ] }, { "key": "wafi.escrow_required", "statement": "A Wafi off-plan licence requires an escrow account agreement between the developer and a licensed bank in the Kingdom, and a developer that takes reservation amounts during marketing must deposit all of them into that escrow account.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://rega.gov.sa/en/rega-services/platforms/wafi-off-plan-sales-and-lease/", "source_title": "REGA — Wafi off-plan sales and lease platform", "source_date": null, "verified_on": "2026-09-10", "confidence": 5, "topics": [ "risk", "process" ], "entity_ids": [ "regulation:wafi-off-plan" ] }, { "key": "wafi.reservation_cap_5pct", "statement": "Under Wafi's marketing licence conditions a developer may not receive more than 5% of the value of each real estate unit as a reservation amount.", "url": "https://zullfa.com/law-tracker#claim-wafi-reservation_cap_5pct", "source_url": "https://rega.gov.sa/en/rega-services/platforms/wafi-off-plan-sales-and-lease/", "source_title": "REGA — Wafi off-plan sales and lease platform", "source_date": null, "verified_on": "2026-09-10", "confidence": 5, "topics": [ "risk", "costs" ], "entity_ids": [ "regulation:wafi-off-plan" ] }, { "key": "wafi.disclosure_and_handover", "statement": "Wafi requires the developer to disclose the current status of the project and future plans, and to use a sales agreement form with handover dates specified by day.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://rega.gov.sa/en/rega-services/platforms/wafi-off-plan-sales-and-lease/", "source_title": "REGA — Wafi off-plan sales and lease platform", "source_date": null, "verified_on": "2026-09-10", "confidence": 5, "topics": [ "risk", "process" ], "entity_ids": [ "regulation:wafi-off-plan" ] }, { "key": "wafi.projects_directory", "statement": "REGA's Wafi platform page carries a public 'Wafi Projects' list of licensed off-plan projects showing project name, developer, location, licence type and project status.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://rega.gov.sa/en/rega-services/platforms/wafi-off-plan-sales-and-lease/", "source_title": "REGA — Wafi off-plan sales and lease platform", "source_date": null, "verified_on": "2026-09-10", "confidence": 4, "topics": [ "risk", "process" ], "entity_ids": [ "regulation:wafi-off-plan" ] }, { "key": "registry.absolute_effect", "statement": "REGA states that a registration in the Real Estate Registry acquires absolute legal effect after one full year from publication of the owners' lists if no objection is filed, after which it is valid before courts and all authorities and cannot be contested, annulled or cancelled except for clerical error or forgery.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://rega.gov.sa/en/rega-services/platforms/real-estate-registry/", "source_title": "REGA — Real Estate Registry (RER) platform", "source_date": null, "verified_on": "2026-09-10", "confidence": 5, "topics": [ "risk", "process" ], "entity_ids": [ "process_step:registry" ] }, { "key": "registry.enquiries_service", "statement": "REGA's Real Estate Registry page links a 'Real Estate Enquiries' service at rega.gov.sa/en/rega-services/real-estate-enquiries/ for looking up property registrations.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://rega.gov.sa/en/rega-services/platforms/real-estate-registry/", "source_title": "REGA — Real Estate Registry (RER) platform", "source_date": null, "verified_on": "2026-09-10", "confidence": 4, "topics": [ "risk", "process" ], "entity_ids": [ "process_step:registry" ] }, { "key": "rett.payer_seller", "statement": "Under Article 7(1) of the RETT Law the assignor (seller) is the person liable to pay the 5% Real Estate Transaction Tax to ZATCA, and an agreement for the buyer to bear it does not relieve the seller of that liability.", "url": "https://zullfa.com/law-tracker#claim-rett-payer_seller", "source_url": "https://zatca.gov.sa/en/HelpCenter/guidelines/Documents/Detailed-Guideline-for-RETT-In-accordance-with-provision-of-RETT-Law-and-its-Implementing-Regulations.pdf", "source_title": "ZATCA — Detailed Guideline for the Real Estate Transaction Tax, version 6 (May 2026), section 10.3", "source_date": null, "verified_on": "2026-09-10", "confidence": 5, "topics": [ "costs", "tax" ], "entity_ids": [ "fee:rett" ] }, { "key": "rett.customary_buyer_bears", "statement": "ZATCA's RETT guideline states that although the assignor (seller) bears the tax by law, it is customary in practice for the parties to agree that the assignee (buyer) bears it.", "url": "https://zullfa.com/law-tracker#claim-rett-customary_buyer_bears", "source_url": "https://zatca.gov.sa/en/HelpCenter/guidelines/Documents/Detailed-Guideline-for-RETT-In-accordance-with-provision-of-RETT-Law-and-its-Implementing-Regulations.pdf", "source_title": "ZATCA — Detailed Guideline for the Real Estate Transaction Tax, version 6 (May 2026), section 5.1", "source_date": null, "verified_on": "2026-09-10", "confidence": 5, "topics": [ "costs", "tax" ], "entity_ids": [ "fee:rett" ] }, { "key": "rett.paid_before_notarisation", "statement": "ZATCA issues the RETT invoice at 5% of the transfer value and the tax must be paid before the transfer is completed at the notary, even where the parties have agreed that the buyer pays it.", "url": "https://zullfa.com/law-tracker#claim-rett-paid_before_notarisation", "source_url": "https://zatca.gov.sa/en/HelpCenter/guidelines/Documents/Detailed-Guideline-for-RETT-In-accordance-with-provision-of-RETT-Law-and-its-Implementing-Regulations.pdf", "source_title": "ZATCA — Detailed Guideline for the Real Estate Transaction Tax, version 6 (May 2026), section 6", "source_date": null, "verified_on": "2026-09-10", "confidence": 5, "topics": [ "costs", "tax", "process" ], "entity_ids": [ "fee:rett" ] }, { "key": "rett.tax_base_fmv", "statement": "The RETT base is the value agreed between the parties, provided it is not less than the fair market value on the date of the transaction.", "url": "https://zullfa.com/law-tracker#claim-rett-tax_base_fmv", "source_url": "https://zatca.gov.sa/en/HelpCenter/guidelines/Documents/Detailed-Guideline-for-RETT-In-accordance-with-provision-of-RETT-Law-and-its-Implementing-Regulations.pdf", "source_title": "ZATCA — Detailed Guideline for the Real Estate Transaction Tax, version 6 (May 2026), section 4.2", "source_date": null, "verified_on": "2026-09-10", "confidence": 5, "topics": [ "costs", "tax" ], "entity_ids": [ "fee:rett" ] }, { "key": "vat.real_estate_exempt", "statement": "Since 4 October 2020, supplies of real estate that transfer ownership are exempt from VAT under Royal Order A/84, and the 5% Real Estate Transaction Tax applies to sales instead.", "url": "https://zullfa.com/law-tracker#claim-vat-real_estate_exempt", "source_url": "https://zatca.gov.sa/en/HelpCenter/guidelines/Documents/Detailed-Guideline-for-RETT-In-accordance-with-provision-of-RETT-Law-and-its-Implementing-Regulations.pdf", "source_title": "ZATCA — Detailed Guideline for the Real Estate Transaction Tax, version 6 (May 2026), section 1.1", "source_date": null, "verified_on": "2026-09-10", "confidence": 5, "topics": [ "costs", "tax" ], "entity_ids": [ "fee:rett" ] }, { "key": "rett.offplan_sale_taxable", "statement": "An off-plan sale of a real estate unit is a taxable RETT transaction, with the tax due on or before the date the ownership transfer is notarised.", "url": "https://zullfa.com/law-tracker#claim-rett-offplan_sale_taxable", "source_url": "https://zatca.gov.sa/en/HelpCenter/guidelines/Documents/Detailed-Guideline-for-RETT-In-accordance-with-provision-of-RETT-Law-and-its-Implementing-Regulations.pdf", "source_title": "ZATCA — Detailed Guideline for the Real Estate Transaction Tax, version 6 (May 2026), section 4.3 table", "source_date": null, "verified_on": "2026-09-10", "confidence": 4, "topics": [ "costs", "tax" ], "entity_ids": [ "fee:rett" ] }, { "key": "rett.usufruct_over_50y", "statement": "A usufruct right granted for more than 50 years is within the scope of RETT, calculated on the present value of the fair market value of the usufruct right or of the rent for the whole period, whichever is higher.", "url": "https://zullfa.com/law-tracker#claim-rett-usufruct_over_50y", "source_url": "https://zatca.gov.sa/en/HelpCenter/guidelines/Documents/Detailed-Guideline-for-RETT-In-accordance-with-provision-of-RETT-Law-and-its-Implementing-Regulations.pdf", "source_title": "ZATCA — Detailed Guideline for the Real Estate Transaction Tax, version 6 (May 2026), section 4.2", "source_date": null, "verified_on": "2026-09-10", "confidence": 4, "topics": [ "costs", "tax" ], "entity_ids": [ "fee:rett" ] }, { "key": "process.portal_login_nafath", "statement": "On the Saudi Properties portal the applicant logs in through the Unified National Access (Nafath), selects the request type, fills in the form and attaches the required documents, and the eligibility check is offered as an 'Inquiry about Fulfilling Ownership Requirements' service.", "url": "https://zullfa.com/guides/how-to-buy-step-by-step", "source_url": "https://saudiproperties.rega.gov.sa/assets/i18n/en.json", "source_title": "Saudi Properties portal — English interface strings", "source_date": null, "verified_on": "2026-09-10", "confidence": 4, "topics": [ "process" ], "entity_ids": [ "process_step:portal-application" ] }, { "key": "process.portal_iban", "statement": "The Saudi Properties portal requires an IBAN whose account holder details match the applicant, and rejects an inactive bank account or a mismatch between the IBAN and the owner's details.", "url": "https://zullfa.com/guides/how-to-buy-step-by-step", "source_url": "https://saudiproperties.rega.gov.sa/assets/i18n/en.json", "source_title": "Saudi Properties portal — English interface strings", "source_date": null, "verified_on": "2026-09-10", "confidence": 4, "topics": [ "process", "payment" ], "entity_ids": [ "process_step:portal-application", "process_step:bank-account" ] }, { "key": "portal.zone_card.usufruct_term_is_max", "statement": "On the Saudi Properties portal's zone cards, allowed ownership percentage and usufruct duration are two separate labelled fields, each filled from its own value, so the 99 years is the longest usufruct term a card can show and does not limit ownership.", "url": "https://zullfa.com/law-tracker#claim-portal-zone_card-usufruct_term_is_max", "source_url": "https://saudiproperties.rega.gov.sa/assets/i18n/en.json", "source_title": "Saudi Properties portal — zone card labels (zones.rules, English)", "source_date": null, "verified_on": "2026-09-10", "confidence": 5, "topics": [ "zones", "eligibility" ], "entity_ids": [ "regulation:geographic-zones-2026" ] }, { "key": "rega.qa.holy_cities_individuals_and_saudi_companies", "statement": "REGA's official Q&A on the updated law states that ownership in Makkah and Madinah is restricted to Muslim individuals and to Saudi companies with non-Saudi shareholders.", "url": "https://zullfa.com/law-tracker#claim-rega-qa-holy_cities_individuals_and_saudi_companies", "source_url": "https://rega.gov.sa/media/z1kaovag/qa-about-updated-law-of-real-estate-ownership-by-non-saudis.pdf", "source_title": "REGA — Q&A on the updated Law of Real Estate Ownership by Non-Saudis", "source_date": null, "verified_on": "2026-09-13", "confidence": 5, "topics": [ "eligibility", "companies", "law" ], "entity_ids": [ "law:non-saudi-ownership-2025" ] }, { "key": "pr.fees.permanent_800k_annual_100k", "statement": "Premium Residency is priced at a one-time SAR 800,000 for the unlimited-duration permit or SAR 100,000 per year for the renewable permit, with a SAR 4,000 application fee per product.", "url": "https://zullfa.com/law-tracker#claim-pr-fees-permanent_800k_annual_100k", "source_url": "https://www.henleyglobal.com/residence-investment/saudi-arabia", "source_title": "Henley & Partners — Saudi Arabia Premium Residency", "source_date": null, "verified_on": "2026-09-13", "confidence": 3, "topics": [ "residency", "costs" ], "entity_ids": [ "law:premium-residency" ] }, { "key": "financing.alrajhi_home_finance_residents_only", "statement": "Al Rajhi Bank offers its Home Finance to Saudis and resident expatriates with a salary from SAR 7,000 (with salary transfer) or SAR 10,000 (without), at least 3 months in service, terms up to 30 years, up to age 70 and up to SAR 5 million — residency in the Kingdom is a condition.", "url": "https://zullfa.com/law-tracker#claim-financing-alrajhi_home_finance_residents_only", "source_url": "https://www.alrajhibank.com.sa/en/Personal/Finance/Real-Estate-Finance/Home-Finance", "source_title": "Al Rajhi Bank — Home Finance", "source_date": null, "verified_on": "2026-09-13", "confidence": 4, "topics": [ "payment", "costs" ], "entity_ids": [] }, { "key": "rett.estate_division_and_family_gifts_exempt", "statement": "ZATCA's RETT guideline treats a transfer resulting from the division of an estate within the lawful shares, and a notarised gift to a spouse or a relative up to the third degree, as outside the 5% real estate transaction tax.", "url": "https://zullfa.com/law-tracker#claim-rett-estate_division_and_family_gifts_exempt", "source_url": "https://zatca.gov.sa/en/HelpCenter/guidelines/Documents/Detailed-Guideline-for-RETT-In-accordance-with-provision-of-RETT-Law-and-its-Implementing-Regulations.pdf", "source_title": "ZATCA — Detailed Guideline for the Real Estate Transaction Tax, version 6 (May 2026)", "source_date": null, "verified_on": "2026-09-13", "confidence": 4, "topics": [ "costs" ], "entity_ids": [ "fee:rett", "law:rett" ] }, { "key": "gcc.statute.same_treatment_as_citizens", "statement": "The GCC Statute of Real Estate Ownership by GCC Citizens, in force in Saudi Arabia, lets GCC nationals and wholly GCC-owned entities buy, lease and inherit land and buildings for residential or investment purposes with the same treatment as citizens, subject to developing land within four years of registration.", "url": "https://zullfa.com/law-tracker#claim-gcc-statute-same_treatment_as_citizens", "source_url": "https://laws.boe.gov.sa/Files/Download/?attId=ca613ddd-aea3-4551-bbea-adbb01021c38", "source_title": "Bureau of Experts — Statute of Real Estate Ownership by GCC Citizens", "source_date": null, "verified_on": "2026-09-13", "confidence": 4, "topics": [ "eligibility", "law" ], "entity_ids": [] }, { "key": "projects.al_nada.nhc", "statement": "NHC's Al-Nada in Makkah is listed by the company as 684 residential units on 166,781 m² inside its Makkah Gate destination.", "url": "https://zullfa.com/makkah/projects/al-nada#claim-projects-al_nada-nhc", "source_url": "https://www.nhc.sa/en/real-estate-development/projects/47685", "source_title": "NHC — Al-Nada project page", "source_date": null, "verified_on": "2026-09-13", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:al-nada", "developer:nhc" ] }, { "key": "projects.el_bayet.nhc", "statement": "El Bayet (Al Bait Abr Al Mamlaka) in Makkah is listed by NHC as 554 units on 148,524 m², an NHC Destinations partner project by Pan Kingdom Real Estate bookable off-plan through Sakani.", "url": "https://zullfa.com/makkah/projects/el-bayet#claim-projects-el_bayet-nhc", "source_url": "https://www.nhc.sa/en/real-estate-development/projects/47318", "source_title": "NHC — El Bayet project page", "source_date": null, "verified_on": "2026-09-13", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:el-bayet", "developer:nhc" ] }, { "key": "projects.jawharat_makkah.nhc", "statement": "Jawharat Makkah is listed by NHC as 510 residential units on 127,898 m² in Makkah, an NHC Destinations partner project by Alrashed Company bookable through Sakani.", "url": "https://zullfa.com/makkah/projects/jawharat-makkah#claim-projects-jawharat_makkah-nhc", "source_url": "https://www.nhc.sa/en/real-estate-development/projects/47315", "source_title": "NHC — Jawharat Makkah project page", "source_date": null, "verified_on": "2026-09-13", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:jawharat-makkah", "developer:nhc" ] }, { "key": "projects.jadan_alsadan.nhc", "statement": "Jadan Alsadan is listed by NHC as 851 units on 202,058 m² in Makkah, an NHC Destinations partner project by Inovest bookable through Sakani.", "url": "https://zullfa.com/makkah/projects/jadan-alsadan#claim-projects-jadan_alsadan-nhc", "source_url": "https://www.nhc.sa/en/real-estate-development/projects/47281", "source_title": "NHC — Jadan Alsadan project page", "source_date": null, "verified_on": "2026-09-13", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:jadan-alsadan", "developer:nhc" ] }, { "key": "projects.jeera.nhc", "statement": "Jeera is listed by NHC as 400 units on 134,234 m² in Makkah, an NHC Destinations partner project by Altahaluf Real Estate Development.", "url": "https://zullfa.com/makkah/projects/jeera#claim-projects-jeera-nhc", "source_url": "https://www.nhc.sa/en/real-estate-development/projects/47317", "source_title": "NHC — Jeera project page", "source_date": null, "verified_on": "2026-09-13", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:jeera", "developer:nhc" ] }, { "key": "projects.dar_al_mashaer.developer", "statement": "Dar Al Arkan describes Dar Al Mashaer as seven towers on Al Aziziyah Road in Makkah with 314 apartments and 6 penthouses, 8 minutes' drive from the Haram and 7 from Mina, with a mosque, retail and a shuttle to the Haram.", "url": "https://zullfa.com/makkah/projects/dar-al-mashaer#claim-projects-dar_al_mashaer-developer", "source_url": "https://www.daralarkan.com/en/portfolio/dar-al-mashaer", "source_title": "Dar Al Arkan — Dar Al Mashaer", "source_date": null, "verified_on": "2026-09-28", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:dar-al-mashaer", "developer:dar-al-arkan" ] }, { "key": "projects.shams_al_ghoroub.nhc", "statement": "Shams is listed by NHC as a 1,500-unit residential project inside its Al Ghoroub community in west Madinah, on more than 414,957 m², near the main roads and the Prophet's Mosque.", "url": "https://zullfa.com/madinah/projects/shams-al-ghoroub#claim-projects-shams_al_ghoroub-nhc", "source_url": "https://www.nhc.sa/en/real-estate-development/projects/47631", "source_title": "NHC — Shams project page", "source_date": null, "verified_on": "2026-09-13", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:shams-al-ghoroub", "developer:nhc" ] }, { "key": "projects.daniat_al_ghroub.nhc", "statement": "Daniat Al-Ghroub is listed by NHC as 1,606 units on 209,341 m² inside its Al Ghoroub community in west Madinah.", "url": "https://zullfa.com/madinah/projects/daniat-al-ghroub#claim-projects-daniat_al_ghroub-nhc", "source_url": "https://www.nhc.sa/en/real-estate-development/projects/47472", "source_title": "NHC — Daniat Al-Ghroub project page", "source_date": null, "verified_on": "2026-09-13", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:daniat-al-ghroub", "developer:nhc" ] }, { "key": "projects.arak_al_mukiman.nhc", "statement": "Arak Al-Mukiman is listed by NHC as 850 units on 233,700 m² in its Al Mukaiman destination in Madinah, between Imam Muslim and Prince Naif roads, near Taibah University and the Saudi German Hospital.", "url": "https://zullfa.com/madinah/projects/arak-al-mukiman#claim-projects-arak_al_mukiman-nhc", "source_url": "https://www.nhc.sa/en/real-estate-development/projects/47603", "source_title": "NHC — Arak Al-Mukiman project page", "source_date": null, "verified_on": "2026-09-13", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:arak-al-mukiman", "developer:nhc" ] }, { "key": "projects.saraya_al_bader.developer", "statement": "Dar Wa Emaar describes Saraya Al Bader as a five-bedroom villa community of 425 units on 158,879 m² in Madinah's Al Mukaiman community, with a mall, a school, parks and a mosque, and access to the Prophet's Mosque in less than 15 minutes.", "url": "https://zullfa.com/madinah/projects/saraya-al-bader#claim-projects-saraya_al_bader-developer", "source_url": "https://darwaemaar.com/en/project/saraya-al-bader/", "source_title": "Dar Wa Emaar — Saraya Al-Bader project page", "source_date": null, "verified_on": "2026-09-13", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:saraya-al-bader", "developer:dar-wa-emaar" ] }, { "key": "projects.darah_almadinah.developer", "statement": "Darah Al-Madinah is described by Ajdan Real Estate as a villa community of 580 units on 159,088 m² in Al Mukaiman, Madinah, developed with the National Housing Company and listed as ready.", "url": "https://zullfa.com/madinah/projects/darah-almadinah#claim-projects-darah_almadinah-developer", "source_url": "https://ajdan.re-platform.io/en/projects/darah-al-madinah/", "source_title": "Ajdan Real Estate — Darah Al-Madinah", "source_date": null, "verified_on": "2026-09-13", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:darah-almadinah", "developer:ajdan" ] }, { "key": "projects.safa_102.developer", "statement": "Safa Investment Company lists Safa 102 in Al Mukaiman, Madinah, as 535 two- and three-bedroom apartments in 14 buildings, available for sale.", "url": "https://zullfa.com/madinah/projects/safa-102-al-mokaymen#claim-projects-safa_102-developer", "source_url": "https://safainv.sa/project/129", "source_title": "Safa Investment — صفا 102 - المكيمن", "source_date": null, "verified_on": "2026-09-13", "confidence": 4, "topics": [ "projects" ], "entity_ids": [ "project:safa-102-al-mokaymen", "developer:safa-investment" ] }, { "key": "tenure.abraj_al_bait.waqf_bot_35y", "statement": "The Abraj Al Bait complex stands on land King Fahd endowed as the King Abdulaziz Endowment for the Two Holy Mosques, developed on a build-operate-transfer (BOT) basis with a use term of 35 Hijri years.", "url": "https://zullfa.com/projects", "source_url": "https://web.awqaf.gov.sa/en/awqaf-sector/endowment-of-king-abdul-aziz", "source_title": "General Authority for Awqaf — King Abdulaziz Endowment", "source_date": null, "verified_on": "2026-09-15", "confidence": 5, "topics": [ "projects", "risk" ], "entity_ids": [ "city:makkah" ] }, { "key": "wafi.register.public_fields", "statement": "REGA's public off-plan enquiry lists each Wafi-licensed project's licence number and type, licence start and end dates, the escrow bank and account number, the developer, unit types and the construction completion rate — with no login.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://rega.gov.sa/en/rega-services/real-estate-enquiries/enquires-about-projects-licensed-in-off-plan-sales-and-leases/", "source_title": "REGA — enquiries about projects licensed in off-plan sales and leases", "source_date": null, "verified_on": "2026-09-15", "confidence": 5, "topics": [ "risk", "process" ], "entity_ids": [ "regulation:wafi-off-plan" ] }, { "key": "advertising.licence_lookup.live_form", "statement": "REGA's public advertisement-licence enquiry takes the advertisement number and reports whether a licence exists and its status, with no login.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://rega.gov.sa/en/rega-services/real-estate-enquiries/inquiry-about-real-estate-advertisement-license/", "source_title": "REGA — inquiry about a real estate advertisement licence", "source_date": null, "verified_on": "2026-09-15", "confidence": 5, "topics": [ "risk" ], "entity_ids": [ "regulation:advertising-2026" ] }, { "key": "advertising.licence_lookup.details", "statement": "A found advertisement licence on REGA's enquiry shows its status and issue and expiry dates, and its details page names the advertiser with their FAL licence number, the advertisement type, the deed type and number, the property type and the price on the licence.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://rega.gov.sa/en/rega-services/real-estate-enquiries/inquiry-about-real-estate-advertisement-license/", "source_title": "REGA — inquiry about a real estate advertisement licence (result and details pages)", "source_date": null, "verified_on": "2026-09-17", "confidence": 5, "topics": [ "risk" ], "entity_ids": [ "regulation:advertising-2026" ] }, { "key": "fal.lookup_by_id_or_establishment", "statement": "REGA's public FAL-licence enquiry has two search fields, the licence holder's ID number and the establishment number, so checking a broker needs one of those and cannot be done by name or by licence number.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://rega.gov.sa/en/rega-services/real-estate-enquiries/enquiring-about-the-fal-license/", "source_title": "REGA — enquiring about the FAL licence", "source_date": null, "verified_on": "2026-09-15", "confidence": 4, "topics": [ "risk" ], "entity_ids": [ "regulation:advertising-2026" ] }, { "key": "portal.developer_register", "statement": "The Saudi Properties portal publishes a public developer register giving each developer's name, unified commercial registration number, establishment type and contact details, with no login.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://saudiproperties.rega.gov.sa/developers", "source_title": "Saudi Properties portal — developers", "source_date": null, "verified_on": "2026-09-15", "confidence": 4, "topics": [ "risk", "process" ], "entity_ids": [ "process_step:portal-application" ] }, { "key": "portal.property_inquiry", "statement": "The Saudi Properties portal's public property-requirements checker asks whether the property is an off-plan project and, if so, for the project's licence number — tying a purchase to the Wafi register.", "url": "https://zullfa.com/guides/verify-before-you-pay", "source_url": "https://saudiproperties.rega.gov.sa/eligibility/property-inquiry", "source_title": "Saudi Properties portal — property requirements inquiry", "source_date": null, "verified_on": "2026-09-15", "confidence": 4, "topics": [ "risk", "process" ], "entity_ids": [ "process_step:portal-application", "regulation:wafi-off-plan" ] }, { "key": "zones.portal.list_22", "statement": "On the Saudi Properties portal every designated zone in the two holy cities carries an ownership-rules card allowing a 100% ownership share, a usufruct of up to 99 years and all ten real-rights types (ownership and usufruct among them) for Muslim natural persons.", "url": "https://zullfa.com/law-tracker#claim-zones-portal-list_22", "source_url": "https://saudipropertiesapi.rega.gov.sa/api/lookups/sub-zone-categories?isShow=true", "source_title": "Saudi Properties portal — zone list and ownership-rules cards", "source_date": null, "verified_on": "2026-09-16", "confidence": 5, "topics": [ "zones" ], "entity_ids": [ "process_step:portal-application" ] }, { "key": "zones.portal.makkah_zone_3", "statement": "The portal lists twelve designated zones in Makkah and ten in Madinah; the twelfth Makkah zone is 'Makkah Al-Mukarramah – Zone (3)', code L337 — about 1.29 km², its nearest boundary roughly 3.7 km south-west of the Grand Mosque, with the same ownership rules as the others.", "url": "https://zullfa.com/law-tracker#claim-zones-portal-makkah_zone_3", "source_url": "https://saudipropertiesapi.rega.gov.sa/api/lookups/sub-zone-categories?isShow=true", "source_title": "Saudi Properties portal — zone list", "source_date": null, "verified_on": "2026-09-16", "confidence": 5, "topics": [ "zones" ], "entity_ids": [ "zone:makkah-zone-3", "city:makkah" ] }, { "key": "zones.portal.residential_only", "statement": "Two zone cards restrict property use to residential and residential/commercial: Thakher Makkah and Rua Al Madinah exclude commercial, industrial, agricultural and land uses; the other twenty zones permit all six.", "url": "https://zullfa.com/law-tracker#claim-zones-portal-residential_only", "source_url": "https://saudipropertiesapi.rega.gov.sa/api/lookups/sub-zone-categories?isShow=true", "source_title": "Saudi Properties portal — ownership-rules cards", "source_date": null, "verified_on": "2026-09-16", "confidence": 5, "topics": [ "zones" ], "entity_ids": [ "zone:makkah-thakher-makkah", "zone:madinah-rua-al-madinah" ] }, { "key": "zones.distance.method", "statement": "Zone areas and distances on this site come from the boundaries the Saudi Properties portal publishes for each zone; a distance is the straight line from the nearest point of that boundary to the Grand Mosque or the Prophet's Mosque, so the walk is always longer.", "url": "https://zullfa.com/law-tracker#claim-zones-distance-method", "source_url": "https://saudipropertiesapi.rega.gov.sa/api/lookups/sub-zone-categories?isShow=true", "source_title": "Saudi Properties portal — zone boundaries", "source_date": null, "verified_on": "2026-09-16", "confidence": 4, "topics": [ "zones" ], "entity_ids": [ "city:makkah", "city:madinah" ] }, { "key": "market.moj.method", "statement": "Zullfa's district figures are counts and medians of the ministry's residential deeds (price divided by deed area, land and built property together, only districts with at least ten sales in the quarter), and they describe what changed hands in a district, which is different from the price of a finished apartment.", "url": "https://zullfa.com/guides/own-use-or-investment", "source_url": "https://open.data.gov.sa/ar/datasets/view/34e1da80-d4cd-4d65-bdc8-a8d48a7e7ee2", "source_title": "Ministry of Justice — الصفقات العقارية (open.data.gov.sa)", "source_date": null, "verified_on": "2026-09-16", "confidence": 4, "topics": [ "market" ], "entity_ids": [ "city:makkah", "city:madinah" ] }, { "key": "zones.distance.spread", "statement": "A designated zone is not necessarily near the mosque: measured from each zone's nearest boundary point, Makkah's zones run from about 310 metres to about 16.7 kilometres from the Grand Mosque, and Madinah's from about 650 metres to about 12.4 kilometres from the Prophet's Mosque.", "url": "https://zullfa.com/law-tracker#claim-zones-distance-spread", "source_url": "https://saudipropertiesapi.rega.gov.sa/api/lookups/sub-zone-categories?isShow=true", "source_title": "Saudi Properties portal — zone boundaries", "source_date": null, "verified_on": "2026-09-18", "confidence": 4, "topics": [ "zones" ], "entity_ids": [ "city:makkah", "city:madinah" ] } ] }