Buyer tools
Enter a price and see the tax, fees and cash you need before handover, using the rules in force in Saudi Arabia in 2026.
The seller owes it by law, but many contracts pass the cost to the buyer. Check yours.
The government covers the tax on up to SAR 1,000,000 of the price.
2.5% unless you agree a different rate in writing. Buying directly from ZOOD has no commission.
Banks usually ask for at least 10% on a first home and more otherwise. Confirm with your lender.
Optional
The Real Estate Transaction Tax (RETT) is 5% of the taxable transaction value. On a SAR 1,500,000 home that is SAR 75,000 before any support or exemption.
By law the seller, as the party disposing of the property, owes the tax to ZATCA. The sale contract can agree that the buyer bears the cost, so check whether the price includes it.
For eligible Saudi citizens buying a first home, the government covers the tax on up to SAR 1,000,000 of the price, a maximum of SAR 50,000. Tax on any amount above that remains payable.
Under the Real Estate Brokerage Law the standard commission is 2.5% of the sale value unless the parties agree otherwise in writing. It is paid by whoever contracted the agent. Buying directly from a developer involves no commission.
Saudi Central Bank rules cap administrative fees at 1% of the financed amount or SAR 5,000, whichever is lower, excluding government taxes. Compare offers by their APR and total amount payable.
See ZOOD homes in North Riyadh, or talk to our sales team.