2-in-1 Finance

Get residential and personal finance in one, so you can qualify for a higher loan amount.

Features and Benefits


2 in 1 Feature

 

Is the amount of personal finance together with residential finance given to help you get cash for liquidity and a larger amount of the residential finance, as the maximum deduction percentage for both products not to exceed 60% of your monthly income.

 

Example 1 (Without subscription in “2 in 1 Feature”):

If the customer’s current salary is SAR. 10,000; and wants to get a residential finance and personal finance for liquidity. The customer will obtain personal finance amounting SAR. 188,800 and residential finance amounting SAR 463,961.

 

Example 2 (With Subscription in “2 in 1 Feature”):

If the customer’s current salary is SAR. 10,000; and wants to get a residential finance and personal finance for liquidity. Through participating in the 2 in 1 program, the customer will obtain personal finance amounting SAR. 188,800 and residential finance amounting SAR 1,035,550.

 

Examples of various salary segments reflecting how to benefit from 2 in 1 Feature in case the customer desire to obtain joined personal finance and residential finance:

 

​Customer’s Salary ​Personal Finance Amount (SAR) ​Residential Finance Amount (SAR)​​ ​RF Tenure/year ​PF Installment for 5 years in SAR ​RF Installment for 5 years in SAR ​RF Installment for the rest of the years in SAR
5,000 ​94,350 474,700 30 1,650 ​1,350 2,500
​7,000 132,000 ​664,600 30 2,310 1,890 3,500
8,000 151,000 ​771,300 30 2,640 2,160 ​4,000
10,000 188,800 ​1,035,550 30 3,300 2,700 5,500
12,000 226,600 1,242,600 30 3,960 3,240 6,600
14,000 264,400 1,449,700 30 4,620 3,780 6,421
15,000 283,300 1,682,300 30 4,950 4,050 9,000
20,000 377,700 2,243,100 30 6,600 5,400 12,000

 

How to calculate installment of 2 in 1 Feature:

First period installments consist of two separate sections (one for personal finance and the other for residential finance):

  • Installment amount of Personal Finance lasts until the end of personal finance duration.
  • Installment amount of Residential Finance lasts until the payment of residential finance duration.

 

Second period installments (the remaining period of residential finance):

 

Note:

  • The amount of personal finance can be paid over 5 years or less based on the customer’s choice and terms and conditions.
  • The amount of residential finance can be paid over 30 years or less based on the customer’s choice and terms and conditions.
  • In case of an existing personal finance, you can get a larger residential finance through subscribing in “2 in 1” Feature.
  • The examples mentioned are non-binding and are used for illustrative purpose only where the amount of funding and installments vary according to the customer segment, his employer and financial solvency.

 

* Terms and conditions apply

** Annual Percentage Rate starts from 4.74% calculated on the amount of funding 590,000 Riyals for a period of 5 years, including management and assessment fees (1% of funding or 5000 Real value, whichever is less).

 

Or visit the nearest branch of the Saudi National Bank, or call the toll-free number 8002441005.

Finance calculator
Home Finance Calculator
Property Value
SR
Downpayment
* 5% - 30% Maximum of the property value
SR
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SR 0
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Years 5
Years 25
Total Eligible Amount
0SR
Monthly Installments
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Admin Fees
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Profit Added
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APR
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Total Repay
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Terms and conditions apply. Interest rates vary by tenor & subject to bank policy

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