Get residential and personal finance in one, so you can qualify for a higher loan amount.
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):
- Installment amount represents 55% of the monthly income and lasts until the end of the repayment period.
- Illustration Diagram of Feature 2 in 1 installment for a client with monthly income of 10,000 riyals
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 6.86% 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
View the pricing and calculations related to our finance and savings products.
