Real Estate Financing (Tharwa) for Retail Customers
Tharwa Buy-to-Let: Turn Your Property into a Reliable Income Stream
Tharwa’s Buy-to-Let product empowers property owners and investors to unlock the value of their real estate by converting rental income into long-term financing. Whether you’re purchasing a new property or leveraging an existing one, Tharwa provides access to capital without requiring salary-based commitments.
Seamless transfer option
you can shift existing real estate finance from salary-based repayment to rental income repayment under Tharwa.
Fixed installments
Fixed installments and flexible payments throughout the financing term.
Tenure up to 20 years
Flexible terms to maximize affordability and yield.
Eligible for all types of income-generating properties
Residential or commercial units with a proven rental stream.
Financing up to SAR 25 million
Designed for individual investors and real estate portfolios.
Eligibility up to age 70
Inclusive financing across different investor profiles.
Terms and Required Documents:
Valid national ID/Iqama.
Property title deed
Ejar contracts
Proof of rental income (bank statement or Ejar Receipt)
Valid building permit
How to apply
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