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Disclosure of APR on Financing


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Alahli Residential Finance 


Example of: buying the first Home

​Market Value of Real-estate
Funding Percentage
​Fixed or Floating
APR
​Duration
​Payment Type
​Instalment
​Early Settlement
​500,000
​90%
​Fixed
​7.37%
​25
​Real estate amount & cost of installment
​3,188
​7,642



Example of: buying the second Home


​Market Value of Real-estate

Funding Percentage
​Fixed or Floating
APR
​Duration
​Payment Type
​Instalment
​Early Settlement
​500,000
70%
​Fixed
​7.37%
​25
​Real estate amount & cost of installment
2,479
​5,943


Example of: Off Plan 
​Market Value of Real-estate
Funding Percentage
​Fixed or Floating
APR
​Duration
​Payment Type
​Instalment
​Early Settlement
​500,000
90%
​Fixed
​7.37%
​25
​Real estate amount & cost of installment
3,188
​7,642


Example of: Self Construction
​Market Value of Real-estate
Funding Percentage
​Fixed or Floating
APR
​Duration
​Payment Type
​Instalment
​Early Settlement
​500,000
90%
​Fixed
​7.37%
​25
​Real estate amount & cost of installment
3,188
​7,64


Example of: Equity Release

Market Value of Real-estate
Funding Percentage
​Fixed or Floating
APR
​Duration
​Payment Type
​Instalment
​Early Settlement
​500,000
90%
​Fixed
​7.21%
15
​Real estate amount & cost of installment
3,556
6,236

Click hereTo experience the mortgage calculation examples

  • The instalments above are the monthly instalments at the begging of collection for Fixed instalments plans. In case you have selected a floating instalment plan such as the 2 in 1, the above instalment amounts will change 
  • The early settlement amounts represents the profits of the first three months when 2 years have passed from date the contract was signed, given that early settlements are not allowed during the first 2 years. 
  • Funding amount of the total real estate value for the second home will not exceed 70% and maximum duration for lands is 20 years. 
  • The maximum duration for REDF products is 25 years
  • The above examples are approximated as there should be many factors that would affect that would be imbibed and will affect the calculations 
  • Terms & conditions apply

Alahli Personal Finance

PF Local Commodities

​Finance Amount
​Maturity in Years
​*APR
​Monthly Payment Amount
​300,000  SAR
​5 Years
​5.42 %
​5,588 SAR
​150,000  SAR
​5 Years
​6.00 %
​2,831 SAR
50,000   SAR
​5 Years
​6.77 %
​960 SAR

PF Local Shares

​Finance Amount
​Maturity in Years
​*APR
​Monthly Payment Amount
​300,000  SAR
​5 Years
6.13 %
​5,738 SAR
​150,000  SAR
​5 Years
​6.71 %
​2,906 SAR
​50,000   SAR
​5 Years
​7.47 %
​985 SAR

PF Top Up

​Finance Amount
​Maturity in Years
​*APR
​Monthly Payment Amount
​500,000  SAR
​5 Years
​5.94 %
​9,521 SAR 
300,000  SAR
​4 Years
​6.24 %
​6,985 SAR
​250,000  SAR
​5 Years
​6.71 %
​4,844 SAR


PF Additional Finance

Finance Amount
​Maturity in Years
​*APR
​Monthly Payment Amount
​100,000  SAR
​5 Years
5.70 %
​1,913  SAR 
​250,000  SAR
​4 Years
6.71 %
4,844 SAR
​200,000   SAR
​5 Years
​5.70 %
​3,826 SAR


PF Investment Account

Finance Amount
​Maturity in Years
​*APR
​Monthly Payment Amount
​1,000,000  SAR
​3 Years
4.45 %
​ 31,734  SAR 
​1,000,000  SAR
​3 Years
​6.88 %
​30,269 SAR
​2,000,000   SAR
​3 Years
4.45 %
​63,467 SAR


PF Short Tenor

Finance Amount
​Maturity in Years
​*APR
​Monthly Payment Amount
​35,000  SAR
​1 year
​5.71 %
​2,946  SAR 
​25,000  SAR
​9 months
​6.85 %
​2,798 SAR
​10,000   SAR
6 months
7.15 %
​1,667 SAR


PF Balance Transfer

Finance Amount
​Maturity in Years
​*APR
​Monthly Payment Amount
​300,000 SAR
​5 Year
​3.76 %
​5,375 SAR
​150,000  SAR
5 Year
​3.76 %
​2,688 SAR
​50,000   SAR
​5 Year
​3.76 %
​896 SAR
Note: Monthly Payments will defer for 2 months as per the features of Balance Transfer Program.


PF Dual Income

Finance Amount
​Maturity in Years
​*APR
​Monthly Payment Amount
​300,000  SAR
​5 Years
​5.42 %
5,588 SAR
​150,000  SAR
​5 Years
6.00 %
2,831 SAR
50,000   SAR
​5 Years
6.77 %
​960 SAR


PF Flexi

Finance Amount
​Maturity in Years
​*APR
​Monthly Payment Amount
​300,000  SAR
​5 Years
5.42 %
​5,588 SAR
​150,000  SAR
​5 Years
6.00 %
​2,831 SAR
50,000   SAR
​5 Years
​6.77 %
​960 SAR

*Note:Monthly payments are variable as per the payments schedule and the features of Flexi PF.

*APR may differ depending on the amount and maturity period different from the above examples and subject to credit scoring of each customer.
Administrative fees 1% of finance amount or SAR 5,000 (whichever is less) 
VAT 5% of Administrative Fees
Administrative fees are included in Annual Percentage Rate
Annual Percentage Rate is Variable **


Alahli Lease Finance 

​Asset type 
​Finance Amount
​Duration
APR
Instalment
​Balloon Payment
​Car
​100,000
​5 Years
​11.45%
​1,642
​40,000

  • The Annual Percentage Rate (APR) is the cost of the credit extended to the consumer by the bank. This rate is usually higher than the profit rate (Flat Rate) as it takes into consideration all costs featured in extending that credit namely administrative fees, commission, and insurance cost. Therefore, APR provides a clearer picture of the cost of credit than profit rate.
  • The table above and its numbers are an illustrative example only to show the annual percentage rate, which is dependent on four variables (Finance amount, profit rate, Finance tenor and car price)
  • Administrative fees are either 1% of the amount of finance or SR 5,000, whichever is less.
  • Terms & conditions apply