Saudi Arabia is moving toward 70% home ownership, but the first step is missing. The bank route demands a credit record and a large down payment, and annual-upfront rent makes both impossible to build. Rent buys a year of shelter and accumulates into nothing.
Rent to Own changes the structure. One contract, paid monthly, where every payment carries two parts: one for the use of the property, one that accumulates as ownership. At the end of the term, title transfers to the occupier.
How it works: the applicant is assessed on income stability, payment history, and affordability. The property is secured with our developer partner and the contract is registered through the government Ejar platform. Every monthly payment is documented, and the owned share grows with each one.
What makes it different:
• No mandatory down payment
• Cost applies only to the portion not yet owned, and shrinks as the owned share grows
• Early exit designed into the contract rather than penalised
• Defined continuation for heirs
• The option to move to a different property mid-term
• Residential and commercial, on the same contract structure
Built on Ijarah, Sharia-compliant by design. Available now with developer partners — we are accepting units.
Advanced Sariat Company. REGA License No. 1200027786.
التملّك التدريجي — عقد واحد بسداد شهري، كل دفعة تحمل جزءاً مقابل الانتفاع بالعقار وجزءاً يتراكم كملكية، حتى تنتقل الملكية بالكامل في نهاية المدة. بدون دفعة أولى إلزامية، ومسار واضح للخروج المبكر ولانتقال الوضع إلى الورثة. سكني وتجاري، بهيكل قائم على عقد الإجارة، وموثّق عبر منصة إيجار. متاح الآن بالشراكة مع المطورين العقا
