The only platform providing verified, government-sourced investment guidance for KSA real estate — including the January 2026 landmark law, permitted zones in Makkah & Madinah, Tadawul routes, and residency pathways.
22 January 2026 — now in force: Royal Decree M/14 opens designated zones to Muslim non-Saudi ownership in Makkah & Madinah. Applications via saudiproperties.rega.gov.sa. Exact zone boundaries are being gazetted.
استثمر في المملكة العربية السعودية بثقة
Tadawul route — all nationalities since January 2025. Buy shares in Jabal Omar (4161), KEC (4310), Makkah Construction (4100) & Masar (4325) for holy city exposure without direct ownership restrictions.
A verified pathway for international investors, updated for the January 2026 law. All steps sourced from MISA and Ministry of Justice guidelines.
Updated January 2026: Under Royal Decree M/14, foreign investors now have a statutory right to own in designated zones — no longer case-by-case government approval. Applications now accepted via the official Saudi Properties portal.
Foreign companies must register with MISA before acquiring real estate. Individuals buying in designated zones may proceed without a company licence under the new law.
misa.gov.saConfirm the property sits inside a Council of Ministers-designated zone. Use the Saudi Properties portal and Ministry of Justice Sak (title deed) lookup to verify.
Saudi Properties portalEngage a REGA-licensed agent (verify on the REGA portal). Residents may access Saudi-licensed bank mortgages under SAMA rules. Verify escrow for off-plan purchases.
rega.gov.saTitle transfer is registered in the national Real Estate Registry via the MOJ digital system. Without registration in the Real Estate Registry, ownership is not legally valid.
moj.gov.saForeign companies purchasing property in KSA must be MISA-registered first. Processing typically takes 3–7 business days online. Individuals buying residential property in designated zones are now exempt under the 2026 law.
misa.gov.sa →Only use agents licensed by the Real Estate General Authority (REGA). Verify licence numbers via the REGA portal before any transaction — ask for the REGA number upfront. Unlicensed agents cannot legally register a sale.
rega.gov.sa →REGA requires all registered off-plan developers to hold escrow accounts via the WAFI platform. Always request the REGA project registration number before paying any deposit.
WAFI platform →Residents with iqama can apply for mortgages at Saudi-licensed banks under SAMA regulations. Non-residents: off-plan developers often offer phased payment plans as a practical alternative.
SAMA →Documents and timelines for the main investment pathways — sourced from MISA, REGA, and the January 2026 implementing regulations.
All verified from ZATCA, REGA, and the January 2026 law. Budget for these on top of the property price.
Non-Muslims cannot own property in either holy city. Muslim foreigners may invest only in specific designated zones. Always verify at saudiproperties.rega.gov.sa before transacting.
January 2026 update: Royal Decree M/14 permits Muslim non-Saudis to hold title in designated zones in both holy cities. Exact boundaries are being published by REGA and the Council of Ministers — always verify current status before transacting.
Al-Haram sacred boundary + designated investment zones
"Any Muslim can buy anywhere in Makkah" — false. Ownership is only in specific gazetted zones and listed projects. Always verify the Sak number on the MOJ portal before committing any funds.
An-Nabawi sacred boundary + investment zones + outer KEC
Many off-plan "Madinah" projects are outside the municipal boundary in unrestricted zones. Always verify the municipality classification via REGA before any purchase.
Royal Decree M/14, effective 22 January 2026, is the most significant reform to foreign real estate ownership in KSA since 2000.
Since 27 January 2025, any nationality can gain Makkah & Madinah real estate exposure by buying shares in four CMA-approved listed companies.
Key rule: Total non-Saudi ownership capped at 49% per company. Strategic foreign investors prohibited. Shares and convertible debt instruments only — per CMA Controls approved January 2025.
Via a Saudi-licensed broker (SNB Capital, Al Rajhi) or qualified foreign institution. Passport + AML documents required.
Each company has a 49% foreign cap. Check current % on the Saudi Exchange before buying to confirm headroom available.
Shares or convertible debt instruments only — per CMA Controls. Strategic stakes explicitly prohibited by the CMA rules.
SAR is pegged to USD at ~3.75. Withholding tax may apply — check your country's double tax treaty with KSA.
Authorised, active large-scale developments with verified foreign investor access. Every figure sourced from official announcements and Tadawul filings.
| # | Developer | City | Project value | Scale |
|---|---|---|---|---|
| 1 | Umm Al-Qura Dev. Co. 4325 Masar Destination · 550m from Al-Haram | Makkah | SAR 50B | |
| 2 | Jabal Omar Dev. Co. 4161 46 towers · adjacent to Al-Haram · 21,000 hotel rooms | Makkah | SAR 12B | |
| 3 | Thakher Development Co. Thakher Makkah · 1km from Al-Haram · 100 plots | Makkah | SAR 26B | |
| 4 | Makkah Construction & Dev. 4100 Ajyad Towers · commercial & hotel zones | Makkah | SAR 4B+ | |
| 5 | ROSHN Group PIF Almanar · 4,149 units · western gate of Makkah | Makkah | SAR 3B est. | |
| 6 | Rua Al Madinah Holding PIF Central Area redevelopment · 30,000+ hotel rooms | Madinah | SAR 50B+ | |
| 7 | Knowledge Economic City 4310 KEC · open to all nationalities · Marriott, Hilton | Madinah | SAR 22B | |
| 8 | Taiba Investments Tadawul Al-Anbariyah zone · hotel & commercial · Madinah | Madinah | SAR 2B+ | |
| 9 | Arabian Dyar Real Estate Masar Corridor · phase 2 open to Muslim foreigners | Makkah | SAR 9.7B portfolio | |
| 10 | Dar Al Arkan 4300 Largest private developer · hospitality & residential KSA-wide | Both cities | SAR 18B+ portfolio |
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Calculator uses verified fee rates from REGA, ZATCA and MISA as of January 2026. Yield and growth projections are market estimates only — not guarantees. Always consult a REGA-licensed agent and qualified legal adviser before any investment decision.
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