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Disclosure of APR on Financing                        Last Update 7-3-2024


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Example of: buying the first Home

​Market Value of Real-estate
Funding Percentage
​Fixed or Floating
APR
​Duration
​Payment Type
​Instalment
​Early Settlement
​500,000
​90%
​Fixed
​6.46%
​25
​Real estate amount & cost of installment
​3,188
​7,642



Example of: buying the second Home


​Market Value of Real-estate

Funding Percentage
​Fixed or Floating
APR
​Duration
​Payment Type
​Instalment
​Early Settlement
​500,000
70%
​Fixed
6.46%
​25
​Real estate amount & cost of installment
2,479
​5,943


Example of: Off Plan 
​Market Value of Real-estate
Funding Percentage
​Fixed or Floating
APR
​Duration
​Payment Type
​Instalment
​Early Settlement
​500,000
90%
​Fixed
6.46%
​25
​Real estate amount & cost of installment
3,188
​7,642


Example of: Self Construction
​Market Value of Real-estate
Funding Percentage
​Fixed or Floating
APR
​Duration
​Payment Type
​Instalment
​Early Settlement
​500,000
90%
​Fixed
6.46%
​25
​Real estate amount & cost of installment
3,188
​7,64


Example of: Equity Release

Market Value of Real-estate
Funding Percentage
​Fixed or Floating
APR
​Duration
​Payment Type
​Instalment
​Early Settlement
​500,000
90%
​Fixed
​6.74%
15
​Real estate amount & cost of installment
3,556
6,236

Click hereTo experience the mortgage calculation examples

  • Instalments above are the monthly instalments at the beginning of collection for Fixed instalments plans. In case you have selected a floating instalment plan such as the 2 in 1, the above instalment amounts will change
  • Early settlement amounts represent the profits of the first three months when 2 years have passed from date the contract was signed, given that early settlements are not allowed during the first 2 years. 
  • Funding amount of the total real estate value for the second home will not exceed 70% and maximum tenor for lands financing is 20 years. 
  • Maximum tenor for REDF products is 25 years
  • Above examples are approximated as there should be many factors that would be imbibed and would affect the calculations 
  • Terms & conditions apply
  • Examples and prices mentioned above apply on regular financings only. They don’t include Wessam clients as their calculations depends on the client’s net worth.
  • These rates apply to REDF products. ​


ALAHLI LEASE FINANCE 

Examples of: Lease Finance

​Asset type 
​Finance Amount
​Duration
APR
Instalment
​Balloon Payment
​Car
​100,000
​5 Years
9.17%
​1,770
​25,000


Asset type Finance AmountDurationAPRInstalmentBalloon Payment
Car100,000
3 Years10.16%
2,473
30,000

 

Asset type Finance AmountDurationAPRInstalmentBalloon Payment
Car150,000
2 Years8.95%
5,640
30,000


  • The Annual Percentage Rate (APR) is the cost of the credit extended to the consumer by the bank. This rate is usually higher than the profit rate (Flat Rate) as it takes into consideration payment start date and all costs featured in extending that credit namely administrative fees, commission, and insurance cost. Therefore, APR provides a clearer picture of the cost of credit than profit rate.

  • The table above and its numbers are an illustrative example only to show the annual percentage rate, which is dependent on six variables (Finance amount, profit rate, Finance tenor, car price and payment start date)

  • Administrative fees are either 1% of the amount of finance or SR 5,000, whichever is less.

  • Terms & conditions apply



Alahli Personal Finance

PF New Local Commodities

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years5.41%1,878 SAR
200,000 SAR5 Years
5.03%3,723 SAR
350,000 SAR5 Years4.84%6,487 SAR

 

PF New Local Shares

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years6.59%1,928 SAR
200,000 SAR5 Years6.18%3,823 SAR
350,000 SAR5 Years
5.99%6,662 SAR

 

PF Top Up Local Commodities

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years6.01%1,918 SAR
200,000 SAR5 Years6.20%3,825 SAR
350,000 SAR5 Years6.01%6,665 SAR

 

PF Top Up Local Shares

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years7.48%1,968 SAR
200,000 SAR5 Years7.35%3,925 SAR
350,000 SAR5 Years7.16%
6,840 SAR

 

PF Additional Finance Local Commodities

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years6.01%1,918 SAR
200,000 SAR5 Years6.20%3,825 SAR
350,000 SAR5 Years6.01%6,665 SAR

 

PF Additional Finance Local Shares

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years7.48%1,968 SAR
200,000 SAR5 Years7.35%3,925 SAR
350,000 SAR5 Years7.16%6,840 SAR

 

PF Investment Account

Finance AmountMaturity in Years*APRMonthly Payment Amount
500,000 SAR3 Years Monthly4.28%9,271 SAR
1,000,000 SAREach Quarter for 2 Years4.18%130,975 SAR
3,000,000 SAR1 payment for 5 Years4.31%3,413,1​00 SAR

 

PF Short Tenor

Finance AmountMaturity in Years*APRMonthly Payment Amount
20,000 SAR6 Months8.67%3,376 SAR
50,000 SAR9 Months7.23%5,653 SAR
100,000 SAR1 Year6.45%8,520 SAR

 

PF Balance Transfer

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years2.91%1,771 SAR
200,000 SAR5 Years2.40%3,498 SAR
350,000 SAR5 Years2.21%5,223 SAR

Note: Monthly Payments will defer for 2 months as per the features of Balance Transfer Program.

PF Dual Income

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years5.41%1,878 SAR
200,000 SAR5 Years5.03%3,723 SAR
350,000 SAR5 Years4.84%6,487 SAR

 

PF Flexi

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years6.76%1,937 SAR
200,000 SAR5 Years6.37%3,840 SAR
350,000 SAR5 Years6.18%6,691 SAR

Note: Monthly payments are variable as per the payments schedule and the features of Flexi PF

New PF Connect by Local Commodities

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years5.41%1,878 SAR
200,000 SAR5 Years5.03%3,723 SAR
350,000 SAR5 Years4.84%6,487 SAR

 

Topup PF Connect by Local Commodities

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years6.01%1,918 SAR
200,000 SAR5 Years6.20%3,825 SAR
350,000 SAR5 Years6.01%6,665 SAR

 ​

​Applying through AlAhli Online or AlAhli Mobile

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years6.75%1,949 SAR
200,000 SAR5 Years6.28%3,867 SAR
350,000 SAR5 Years5.99%6,705 SAR


​* The above tables are for example purposes as APR may differ depending on the finance amount, salary amount, employer and maturity period and subject to credit scoring of each customer.

Terms and conditions applied.

Administrative fees 1% of finance amount or SAR 5,000 (whichever is less).

VAT15%  of Administrative Fees.
Administrative fees are included in Annual Percentage Rate.

 

Alahli Lease Finance 

​Asset type 
​Finance Amount
​Duration
APR
Instalment
​Balloon Payment
​Car
​100,000
​5 Years
​9.57%
​1,556
​40,000

  • The Annual Percentage Rate (APR) is the cost of the credit extended to the consumer by the bank. This rate is usually higher than the profit rate (Flat Rate) as it takes into consideration all costs featured in extending that credit namely administrative fees, commission, and insurance cost. Therefore, APR provides a clearer picture of the cost of credit than profit rate.
  • The table above and its numbers are an illustrative example only to show the annual percentage rate, which is dependent on four variables (Finance amount, profit rate, Finance tenor and car price)
  • Administrative fees are either 1% of the amount of finance or SR 5,000, whichever is less.
  • Terms & conditions apply

     ​

DISCLOSURE OF APR ON SAVINGS PRODUCTS

  • ​Protection and saving programs in general

Min. Deposit AmountMaturity YearsAnnual RateNo. of Withdrawals Permitted in 1st YearNo. of Withdrawals Permitted in 2nd Year
50085.9%No limit Only  Condition keeping 1000 in the balanceNo limit Only  Condition keeping 1000 in the balance

 

  • Retirement Program
Min. Deposit AmountMaturity YearsAnnual RateNo. of Withdrawals Permitted in 1st YearNo. of Withdrawals Permitted in 2nd Year
50086.0%No limit Only  Condition keeping 1000 in the balanceNo limit Only  Condition keeping 1000 in the balance

 

  • Education Program
Min. Deposit AmountMaturity YearsAnnual RateNo. of Withdrawals Permitted in 1st YearNo. of Withdrawals Permitted in 2nd Year
50085.2%No limit Only  Condition keeping 1000 in the balanceNo limit Only  Condition keeping 1000 in the balance

           

  • Marriage Program
Min. Deposit AmountMaturity YearsAnnual RateNo. of Withdrawals Permitted in 1st YearNo. of Withdrawals Permitted in 2nd Year
50085.4%No limit Only  Condition keeping 1000 in the balanceNo limit Only  Condition keeping 1000 in the balance

 

  • Ladies Program
Min. Deposit AmountMaturity YearsAnnual RateNo. of Withdrawals Permitted in 1st YearNo. of Withdrawals Permitted in 2nd Year
50086.8%No limit Only  Condition keeping 1000 in the balanceNo limit Only  Condition keeping 1000 in the balance​​


Financing Products for Micro and Small Enterprises

 

Product

Annual Pricing Rate %

Administrative Fees %

Maximum / Minimum Administrative Fees

Short-Term Loan4% - 8%

1.5% - 3%

-
Long-Term Loan4% - 9%

1.5% - 3%

-

 
• The above table only an example. The annual percentage rate and the administrative fees may vary according to the loan amount, maturity period, credit score, creditworthiness of each client and valid MSME support initiatives.

 

Khayrat AlAhli (sharia compliant term deposit)

 

Transaction Minimum Amount

Maturity

Example of annual profit rate

Number of allowed withdrawals

100.00 SARA month to a year1M: 0.25%
12M: 0.50%
0

 

 *Clarification: The prices in the above example are for the purpose of illustration only, noting that prices are subject to change according to market prices upon completion of the process.