Everything you need to know about the Saudi Sakani program 2026
The “Sakani” program is one of the most prominent housing programs in the Kingdom of Saudi Arabia, launched as part of the Ministry of Housing’s initiative in collaboration with the Real Estate Development Fund to achieve the goals of Vision 2030 in increasing homeownership among citizens to 70%. In this comprehensive guide, we explain in detail everything you need to know about the program, its conditions, and how to benefit from it.
What is the Sakani program?
The “Sakani” program is a government initiative launched by the Saudi Ministry of Housing to enable Saudi citizens to own suitable homes at affordable prices. The program offers multiple options for beneficiaries, including subsidized mortgage loans, ready-to-move-in residential units, free or discounted plots of land, and under-construction properties within real estate development projects.
Conditions for registering in the Sakani program
To benefit from the Sakani program, the following conditions must be met:
- The applicant must be a Saudi citizen.
- The applicant must be at least 25 years old (or 21 years old in the case of a first marriage).
- The applicant must be the head of a household or a single person with proof of income.
- The applicant must not have previously benefited from government housing support.
- The applicant or any of their family members must not have owned a home in their name in the past five years.
- The monthly income must fall within the specified limit (based on family size).
Steps to apply for the Sakani program
You can apply for the Sakani program through simple steps via the “Sakani” electronic platform:
- Visit the website sakani.housing.sa or download the “Sakani” app.
- Log in via the “National Unified Access” platform (Absher).
- Fill in personal data and update the family file.
- Submit a housing support application.
- Wait for the eligibility result to be announced.
- After approval, you can choose the appropriate option (mortgage loan, ready unit, or land).
Financing and support options
The Sakani program offers several financing options to suit different categories:
- Subsidized mortgage loan: Covers part of the home’s value in collaboration with approved banks and financial institutions.
- Direct support: Financial amounts paid to the beneficiary to help pay mortgage installments.
- Ready units: Villas and apartments ready for immediate delivery within “Sakani” projects.
- Residential plots: Free or heavily discounted plots within the Ministry of Housing’s plans.
- Self-construction: Support for beneficiaries who prefer to build their own homes.
Figures and facts about the Sakani program
According to official statistics, more than 107,000 families benefited from the Sakani program in 2024 alone. In some cases, the monthly support for beneficiaries reaches installments starting from just 850 Saudi Riyals, making homeownership accessible to a wide segment of citizens. The program currently partners with over 30 financing entities and real estate developers to provide diverse housing solutions.
Important tips before applying
- Ensure your data is updated in the “Absher” platform before applying.
- Compare offers from participating banks to choose the best in terms of profit percentage and financing duration.
- Use the financing calculator on the Sakani website to determine the expected installment.
- Submit your application as soon as registration opens, as spots are limited.
Frequently Asked Questions
Q: Can a single person register for the Sakani program?
A: Yes, a single person can register provided they are at least 25 years old, with proof of monthly income.
Q: How long is the waiting period for the Sakani program?
A: After eligibility is confirmed, the waiting period can range from one month to 12 months, depending on the availability of housing options and the priority system.
Q: Does the Sakani program affect the citizen’s account?
A: No, housing support is completely independent.
Regarding the Citizen Account program, it does not affect it.
Q: Can I combine Sakani with the Real Estate Development Fund loan?
A: Yes, the Sakani program works in coordination with the Real Estate Development Fund, and the Fund is considered the entity responsible for providing financial support to beneficiaries.
Q: What if my application is rejected in Sakani?
A: You can submit an objection to the eligibility result through the platform, or wait for the next cycle after updating your data.
The Sakani program is a major step towards empowering the Saudi citizen to own their own home. Whether you are a young person looking for your first home, or a family wanting a larger house, the program offers solutions that suit different needs.
We advise you to apply immediately through the Sakani website or the application. If you have any questions, share them with us in the comments!
