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Disclosure of APR on Financing                        Last Update 10-17-2020


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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 New Local Commodities

Finance Amount Maturity in Years *APR Monthly Payment Amount
100,000 SAR 5 Years 4.52% 1,833 SAR
200,000 SAR 5 Years 4.43% 3,658 SAR
350,000 SAR 5 Years 4.23% 6,373 SAR


PF New Local Shares

Finance Amount Maturity in Years *APR Monthly Payment Amount
100,000 SAR 5 Years 5.78% 1,888  SAR
200,000 SAR 5 Years 5.58% 3,758 SAR
350,000 SAR 5 Years 5.38% 6,548  SAR


PF Top Up Local Commodities

Finance Amount Maturity in Years *APR Monthly Payment Amount
100,000 SAR 5 Years 6.45% 1,917 SAR
200,000 SAR 5 Years 6.36% 3,825  SAR
350,000 SAR 5 Years 6.17% 6,665 SAR


PF Top Up Local Shares

Finance Amount Maturity in Years *APR Monthly Payment Amount
100,000 SAR 5 Years 7.60% 1,967 SAR
200,000 SAR 5 Years 7.41% 3,917 SAR
350,000 SAR 5 Years 7.22% 6,825 SAR


PF Additional Finance Local Commodities

Finance Amount Maturity in Years *APR Monthly Payment Amount
100,000 SAR 5 Years 6.45% 1,917 SAR
200,000 SAR 5 Years 6.36% 3,825  SAR
350,000 SAR 5 Years 6.17% 6,665 SAR

 

PF Additional Finance Local Shares

Finance Amount Maturity in Years *APR Monthly Payment Amount
100,000 SAR 5 Years 7.60% 1,967 SAR
200,000 SAR 5 Years 7.41% 3,917 SAR
350,000 SAR 5 Years 7.22% 6,825 SAR


PF Investment Account

Finance Amount Maturity in Years *APR Monthly Payment Amount
500,000 SAR 3 Years Monthly 7.25% 15,135 SAR
1,000,000 SAR Each Quarter for 2 Years 7.02% 133,125 SAR
3,000,000 SAR 1 payment for 3 Years 4.40% 3,382,500 SAR

 

PF Short Tenor

Finance Amount

Maturity in Years

*APR

Monthly Payment Amount

20,000 SAR 6 Months 5.33%
3,333  SAR
40,000 SAR 9 Months 4.55% 4,459 SAR
60,000 SAR 1 Year 4.66% 5,048 SAR

 

PF Balance Transfer

Finance Amount Maturity in Years *APR Monthly Payment Amount
100,000 SAR 5 Years 3.57% 1,849 SAR
200,000 SAR 5 Years 3.57% 3,698 SAR
350,000 SAR 5 Years 3.57% 6,472 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
100,000 SAR 5 Years 4.52% 1,833 SAR
200,000 SAR 5 Years 4.43% 3,658 SAR
350,000 SAR 5 Years 4.23% 6,373 SAR

 

PF Flexi

Finance Amount Maturity in Years *APR Monthly Payment Amount
100,000 SAR 5 Years 4.52% 1,833 SAR
200,000 SAR 5 Years 4.43% 3,658 SAR
350,000 SAR 5 Years 4.23% 6,373 SAR

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

New PF Connect by Local Commodities

Finance Amount Maturity in Years *APR Monthly Payment Amount
100,000 SAR 5 Years 4.52% 1,833 SAR
200,000 SAR 5 Years 4.43% 3,658 SAR
350,000 SAR 5 Years 4.23% 6,373 SAR

 

Topup PF Connect by Local Commodities

Finance Amount Maturity in Years *APR Monthly Payment Amount
100,000 SAR 5 Years 6.45% 1,917 SAR
200,000 SAR 5 Years 6.36% 3,825  SAR
350,000 SAR 5 Years 6.17% 6,665 SAR

 

Preferred Rate Personal Finance

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years4.52%1,833 SAR
200,000 SAR5 Years4.23%3,642 SAR
350,000 SAR5 Years4.04%6,344 SAR



* The above tables are for example purposes as APR may differ depending on the finance amount, salary amount, employer and maturity period 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
Terms & Conditions are applied


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

 


Financing Products for Micro and Small Enterprises

 

Product

Annual Pricing Rate %

Administrative Fees %

Maximum / Minimum Administrative Fees

Short-Term Loan4% - 8%

1.5% - 3%

-
Long-Term Loan4% - 9%

1.5% - 3%

-

 
• The above table only an example. The annual percentage rate and the administrative fees may vary according to the loan amount, maturity period, credit score, creditworthiness of each client and valid MSME support initiatives.

 

Khayrat AlAhli (sharia compliant term deposit)

 

Transaction Minimum Amount

Maturity

Example of annual profit rate

Number of allowed withdrawals

100.00 SARA month to a year1M: 0.25%
12M: 0.50%
0

 

 *Clarification: The prices in the above example are for the purpose of illustration only, noting that prices are subject to change according to market prices upon completion of the process.