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Dual Income Finance                                                                Last Update 13-09- 2021

Personal finance with two salaries is available for customers with multi income giving that both salaries are sent to SNB Payroll account through Sarie system.

  •  Combined 2 salaries for a bigger loan amount.
  • Repayment periods up to 60 months.
  •  Possibility of postponing the installment of the month of Ramadan.
  •  Possibility of early settlement.
  •  Insurance coverage in case of death or total disability (God forbid) as per insurance policy terms and conditions.

Terms and conditions


Government Sector (Must be on job).

Retired Aramco employees with GOSI.

Minimum numbers of Salary in the account

1st employer 3 salaries in the account.

2nd employer 3 salaries in the account.

Updated Entity in the systemThe updated entity with the highest Salary in Job Certificate.
Finance amount SAR 5,000 up to 1,500,000 SAR.
Minimum Age18 years for Saudis & 22 years for Non-Saudis and must be less than 60 years at the date of last installment, except for retirees 75 years.
 Job Certificate

Terms and conditions applied.
Administrative fees 0%

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years0.69%1,696 SAR
200,000 SAR5 Years0.88%3,408 SAR
350,000 SAR5 Years1.08%5,994 SAR

The above table is 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.


For more information, please contact SNB Customer Service (Sales Unit) in Phone Banking on 8002441005