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Dual Income Finance                                                                LAST UPDATE 8 MAY 2023

Personal finance with two salaries is available for customers with multi income giving that both salaries are sent to SNB Payroll account through Sarie system.

  • Combined 2 salaries for a bigger loan amount.
  • ​Shariah compliant.
  • Repayment periods up to 60 months.
  •  Possibility of postponing the installment of the month of Ramadan.
  •  Possibility of early settlement.
  •  Insurance coverage in case of death or total disability (God forbid) as per insurance policy terms and conditions.

Terms and conditions


Government Sector (Must be on job).

Retired Aramco employees with GOSI.

Minimum numbers of Salary in the account

1st employer 3 salaries in the account.

2nd employer 3 salaries in the account.

Updated Entity in the systemThe updated entity with the highest Salary in Job Certificate.
Finance amount SAR 5,000 up to 1,500,000 SAR.
Minimum Age18 years for Saudis & 22 years for Non-Saudis and must be less than 60 years at the date of last installment, except for retirees 75 years.
 Job Certificate

Terms and conditions apply.

Administrative fee is 1% of the amount of financing or (5,000 SAR) whichever is lower​

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years4.58%1,821 SAR
200,000 SAR5 Years
3,658 SAR
350,000 SAR5 Years
6,417 SAR

The above table is 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.


For more information, please contact SNB Customer Service (Sales Unit) in Phone Banking on 8002441005