Property Ownership for Non-Saudis: Conditions for GCC Citizens to Own Real Estate

In recent years, property ownership for non-Saudis has become a topic of great interest to many investors and individuals wishing to settle in the Kingdom. With the growing importance of Saudi real estate as a promising investment option, there has emerged a need to understand the laws and regulations governing this field. Among the most notable are the conditions for GCC citizens to own property in Saudi Arabia, which have been established by the relevant authorities to ensure transparency and regulate real estate investment movement in line with local regulations, while enhancing the attractiveness of the Kingdom's real estate market.

Are GCC Citizens Allowed to Own Properties in Saudi Arabia?

Yes, the Kingdom of Saudi Arabia grants citizens of GCC countries the right to own properties within its territory, but according to specific regulations, which are:

• A GCC citizen can own up to 3 properties maximum.
• The property area must not exceed 3,000 square meters.
• Ownership must be for residential purposes only.
• If the property is land, it must be built within a period not exceeding 6 years from the registration date.
• The GCC owner may not dispose of the property (by sale or transfer of ownership) until after 4 years from its registration date.

What are the Conditions for Property Ownership for Non-Saudis?

Foreigners can own properties in the Kingdom of Saudi Arabia according to specific regulations. The most important conditions include:

• The foreign investor must provide proof of obtaining official approval and license to practice a profession or economic activity from the competent authority, which grants them the right to ownership.
• The investment project value should not be less than 30 million Saudi Riyals if ownership is for investment purposes.
• The investment duration must be at least five years starting from the property registration date.
• In Makkah and Madinah, foreigners are only allowed to lease, for a period of two years renewable a maximum of two times.
• Ownership of properties designated for international organizations, company headquarters, or legal entities requires approval from the Ministry of Foreign Affairs.
• Foreigners wishing to own a property for private residence must obtain approval from the Ministry of Interior.
• The foreigner must possess a valid residence permit inside the Kingdom.
• A foreigner is allowed to own only one property inside Saudi Arabia.

Papers and Requirements Needed to Own a Property in Saudi Arabia

If you're considering purchasing a property within the Kingdom, there are a set of documents that must be prepared in advance, including:

• Official letter detailing the property type, area, and location.
• Copy of current passport, along with a copy of the first passport used when you first entered the Kingdom.
• Copy of valid residence permit for you and your spouse.
• Birth certificates of children born inside the Kingdom.
• Letter from employer proving income and good conduct.
• Copy of the property deed.
• Copy of the building permit for the property.
• Approved survey report about the property.
• Bank statement for the last 6 months.
• Architectural map showing the building's location and dimensions of surrounding streets.
• Written declaration stating that the property is for residential purposes only.

Steps to Submit a Property Ownership Application for Non-Saudis via Absher

Foreign residents in the Kingdom can apply for property ownership electronically through easy steps via the Absher platform, by:

• Accessing the Absher platform.
• Selecting "Absher Individuals" service.
• Logging in with your personal data.
• From "My Services" menu, choose "General Services."
• Clicking on "Property Ownership Request for Non-Saudis" option.
• Carefully reading the conditions for property ownership in Saudi Arabia.
• Clicking on "New Request."
• Entering the required property data, including:
• Property deed number
• Property type
• Region, city, and district
• Property owner's ID number
• Property area
• Attaching the electronic property deed.
• Clicking "Next," then confirming and sending the request.

Conditions Required to Submit a Property Ownership Application for Non-Saudis via Absher

For non-Saudis to be able to apply for property ownership in the Kingdom through the Absher platform, the following conditions must be met:

• Possession of a valid residence permit inside the Kingdom.
• The applicant must not have any arrest warrants or legal pursuit issued against them.
• Providing all detailed data about the property to be owned.
• Attaching a clear copy of the property deed.

Frequently Asked Questions About Property Ownership Conditions for Non-Saudis

Is a non-Saudi allowed to own land inside the Kingdom?

A foreign investor, whether an individual or legal entity (such as a company), may own the properties necessary for practicing their professional or economic activity, in addition to the property designated for their residence and that of their employees, provided they are licensed to practice the activity.

Can the husband of a Saudi female citizen own property?

Yes, the husband of a Saudi female citizen has the right to real estate ownership, except in Makkah and Madinah. As for real estate investment, there are additional conditions set by the Ministry of Commerce. It's worth noting that ownership is only permitted for residential purposes, while leasing in most cases is not allowed. The property can also be registered in the wife's or children's names.

Can foreign investors own properties in Saudi Arabia?

Yes, foreign investors can own properties in the Kingdom whether for construction or investment purposes, but this is done according to specific conditions. Among the most prominent of these conditions is obtaining official approval from the competent authorities, in addition to the real estate investment value being more than 30 million Saudi Riyals.

You might also be interested in:

• What you need to know before buying land in Saudi Arabia.
• Your guide to real estate investment in Riyadh: Top advantages and most promising areas.