
Tharwa
alrajhi bank provides Real Estate Financing (Tharwa) that support MSB customers to obtain financing against mortgage of investment property.
Tharwa
Empowering Your Real Estate Growth.
alrajhi bank’s Tharwa Real Estate Finance is tailored to support MSB clients in unlocking the value of their investment properties. Whether you’re purchasing a new income generating asset or leveraging an existing one, we offer Shariah compliant financing solutions designed around your long term goals.
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Features:
- Finance amount up to SAR 20 million.
- Flexible tenure ranging from 12 to 240 months.
- Enables access to liquidity by financing anticipated rental income.
- Equal monthly installment plans.
- Competitive annual profit rate at 6.5%.
alrajhi bank is regulated and supervised by SAMA

Requirements
- Completed application Form.
- Copy of National ID for the business owner(s).
- Copy of the Commercial Registration.
- No negative credit history for the company or any owner/ guarantor.
- All lease agreements must be registered with the National Housing Company’s rental platform.
The Annual Percentage Rate:
Example of The Annual Percentage Rate:
Asset Type | Finance Amount | Maturity in Years | APR % | Monthly Installment |
---|---|---|---|---|
Tharwa Finance for Micro and Small Businesses | 1,000,000 SAR | 5 years | 7.63% | 19.566.00 SAR |
Tharwa Finance for Micro and Small Businesses | 2,000,000 SAR | 10 years | 7.14% | 22,710.00 SAR |
Tharwa Finance for Micro and Small Businesses | 5,000,000 SAR | 20 years | 6.93% | 37,279.00 SAR |
*APR may differ depending on the amount, management fees, and the maturity period different from above and subject to each customer.
*Any information or rates mentioned are for example only. All products and service delivery are subject to the credit policies of alrajhi bank.
The product has two variants:
Acquisition of Property
For clients seeking financing to purchase income generating real estate investments.
Equity Release
For clients who already own income generating properties and want to access financing by mortgaging their assets
How to apply
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