Saudi Housing Support: Your Complete Guide to Eligibility

The Housing Support Program (Sakani) is the cornerstone initiative for achieving Saudi Vision 2030's target of raising homeownership among Saudi families to 70%. The program underwent major amendments under Council of Ministers Decision No. 850, dated 29/11/1446H (May 27, 2025), which included lowering the eligibility age, expanding women's access, and raising the asset ceiling.

The program is jointly managed by the Ministry of Municipalities and Housing and the Real Estate Development Fund (REDF) through the Sakani e-platform. The Fund deposited SAR 1.078 billion for February 2026 beneficiaries alone, bringing total beneficiary families to over 1.4 million, and homeownership rates to 66.24%.

At Asas Makeen Real Estate Development Company, we present this comprehensive guide to help our clients understand program requirements accurately and choose the most suitable housing path, whether through our Sakani-approved projects or our specialized real estate consultations.

Housing Support Conditions 2026: Quick Summary

Before diving into details, here is a quick summary of the key conditions and information about the housing support program after Decision 850 updates:

What is Housing Support (Sakani)?

The Housing Support Program (Sakani) is the primary government initiative to achieve Saudi Vision 2030's target of raising homeownership among Saudi families to 70%. It is jointly managed by the Ministry of Municipalities and Housing and the Real Estate Development Fund (REDF) through the Sakani e-platform.

Through Asas Makeen Real Estate Development Company, we offer a simplified explanation to help you understand the program and make the right decision:

- Housing Support includes 9 housing options: 4 subsidized mortgage products and 5 direct support packages (down payment grant, rental, furniture, self-build, home renovation).

- The program is designated for Saudi citizens who meet specific criteria regarding age, income, family size, and previous homeownership status, as outlined in the conditions table above.

- The Real Estate Development Fund deposited SAR 1.078 billion for February 2026 beneficiaries alone, with total beneficiary families exceeding 1.4 million.

- Monthly support ranges from SAR 416 to SAR 1,350 depending on income tier, plus a non-refundable grant of up to SAR 150,000 as a down payment.

- Beneficiaries can choose a suitable project or property through approved partners such as Asas Makeen, which offers a distinguished portfolio of ready residential projects within the Sakani platform.

With our support at Asas Makeen, we don't just help you choose your ideal unit; we also enable you to understand the procedures and conditions, facilitating your access to the support you deserve. We recommend thoroughly checking your eligibility to ensure support reaches deserving applicants, and you can benefit from real estate consultations through approved developers like Asas Makeen Real Estate Development Company.

Housing Support Conditions 2026

Housing support conditions are among the most searched topics by Saudi citizens, especially after the major amendments introduced by Council of Ministers Decision No. 850 in May 2025, which included lowering the eligibility age, raising the asset ceiling, and significantly expanding the beneficiary pool.

With this in mind, Asas Makeen Real Estate Development Company presents this updated guide with accurate information about the program's conditions following the latest amendments, as part of its mission to facilitate the homeownership journey and provide integrated housing solutions for all segments.

At "Asas Makeen," we don't just offer outstanding real estate projects; we also strive to empower our clients to benefit from government programs through support and real estate consultation, helping them achieve their dream of ownership with security and confidence.

Council of Ministers Decision No. 850 and the amended Executive Regulations (October 2025) defined a set of core conditions that applicants must meet to receive housing support. These conditions apply to all categories, whether men, women, or families of various compositions:

- The applicant must be a Saudi national.

- Must be at least 20 years old (for husband or father). No age requirement for wife, mother, or sibling groups.

- Must be a permanent resident of the Kingdom (absence must not exceed one continuous year within a 5-year period).

- Must not have owned suitable housing in the past year (previously 5 years).

- Must not have previously benefited from any other government housing support program.

- Family assets must not exceed SAR 5 million in market value (raised from SAR 2 million under Decision 850).

These conditions are verified automatically through electronic linkage with government agencies (Civil Status, Social Insurance, Ministry of Justice) when applying through the Sakani platform. In the following sections, we address your specific questions about housing support eligibility for men, women, singles, and divorced women.

Important Note: All conditions must remain fulfilled from the application date until the moment of signing the housing support contract. If the applicant's circumstances change during this period (such as acquiring a home or exceeding the asset ceiling), the application is immediately suspended.

1. Are There Special Housing Support Conditions for Men?

Some confuse housing support conditions for men with the program's general conditions. In truth, the program does not differentiate in core requirements between men and women. What differs is the applicant's capacity based on their family composition:

- Husband: Applies for his family consisting of a wife (or wife and children). Must be 20 years or older.

- Father: Applies when the family consists of father and children (without a wife). Must also be 20 years old.

- Son: Applies if his mother is non-Saudi and is his dependent, or if his father is deceased. Must not exceed 25 years old.

- Eldest Brother: Applies on behalf of siblings (two or more) if both parents are deceased or if the mother is non-Saudi.

In other words, a married Saudi man who is 20 years old and has not owned a home or received prior support meets the application requirements as a husband or father. Single (unmarried) men have a different status, which we explain in the Singles section below.

2. What Are the Housing Support Eligibility Conditions for Women?

Decision 850 brought a fundamental shift in Saudi women's eligibility. The most notable changes:

- Married Women: The sole-provider requirement has been permanently eliminated. Wives can now apply for housing support directly without proving they are the family's sole breadwinner.

- Divorced with Children: Eligible to apply after one year from the divorce date (previously two years).

- Divorced without Children: Can apply as an "individual by family status" provided one year has passed since divorce or she has reached 25 years of age.

- Widows: Eligible to apply immediately after the husband's passing, regardless of whether she has children or her age.

3. Housing Support Conditions for Singles (Sakani for Singles)

Important Clarification: Many websites spread inaccurate information about singles' eligibility for housing support. Here we clarify the full truth based on the official regulations:

Singles (unmarried individuals) are not eligible for subsidized government housing support as independent individuals. The program is designed for Saudi families in their ten specified compositions as defined in the Executive Regulations. An unmarried man who does not fall under any exceptional category cannot apply for subsidized support.

However, in 2025, the Ministry of Municipalities and Housing activated a decision granting it the authority to sell residential units in its projects to non-beneficiaries. This means singles can now purchase at full market price in housing projects, but this is a commercial sale, not government support.

Purchase Conditions for Singles in Housing Projects

- Must be a Saudi national.

- Must be at least 18 years old.

- Must not own a residential unit.

- Must have the financial capacity for repayment.

When Can an Unmarried Individual Qualify for Housing Support?

Exceptions to the above rule apply to those who meet the definition of an "individual by family status", as specified in the regulations:

- A divorced woman who has been divorced for one year, or a widow regardless of age.

- A woman over 25 years old who has never married.

- A son or daughter whose both parents are deceased and is under 25 years old.

- A son or daughter of unknown parentage under 25 years old.

- A person over 25 with a chronic illness or severe disability documented by a medical report from a government hospital.

If none of these cases apply and you are single, your available option is purchasing in housing projects at full price. Asas Makeen projects are available to all citizens, whether support beneficiaries or not.

4. Eligible Family Compositions for Housing Support

The amended Executive Regulations defined 10 family compositions eligible to apply for housing support, specifying who is authorized to submit the application in each:

1. Husband for a family of husband and wife only.

2. Husband for a family of husband, wife, and children (males under 25 unmarried, or unmarried females).

3. Wife for the same composition above. This is the major amendment following the elimination of the sole-provider requirement.

4. Father for a family of father and children.

5. Divorced mother after one year from divorce with children.

6. Widowed mother after father's death with children.

7. Siblings together (two or more) after both parents' death.

8. Siblings together with a non-Saudi mother who is the sole provider or deceased father.

9. Son with a non-Saudi mother and is her dependent, or deceased father (under 25 years).

10. Daughter with a non-Saudi mother and is her dependent, or deceased father (unmarried).

These ten compositions are the only ones eligible. Any family composition outside this list cannot apply for subsidized housing support.

Minimum Age to Obtain Housing Support

Decision 850 lowered the eligibility age from 25 to 20 years for husbands or fathers applying for support. Other categories have no specific age requirement:

- Husband or Father: 20 years or older.

- Wife or Mother: No age requirement.

- Siblings Together: No age requirement; the eldest brother's age is used for priority point calculation.

- Son or Daughter (from non-Saudi mother or orphaned): Must not exceed 25 years old.

This reduction has opened eligibility to a wider age group, especially young families who marry early and are seeking their first home.

Required Documents to Apply for Housing Support

When applying through the Sakani platform, most data is verified automatically through electronic linkage with government agencies. However, the following documents should be prepared:

Prior ownership and civil status verification is done automatically through electronic linkage with official agencies, and the applicant does not need to provide separate proof for that.

How to Apply for Housing Support: Step by Step

The application is fully electronic through the Sakani platform (sakani.sa) or its mobile app. The process takes 30 to 90 business days from registration to decision:

1. Registration: Access the Sakani platform and log in through Unified National Access (Nafath) using your Absher credentials (username, password, and two-factor authentication).

2. Eligibility Check: Use the eligibility verification tool available on the platform. Your data is instantly verified through linkage with Civil Status, Social Insurance, and the Ministry of Justice.

3. Complete Data and Documents: Fill in your personal and family information accurately and upload the required documents based on your situation (refer to the table above).

4. Select Housing Product: After qualifying, choose from the nine available options: ready unit purchase, off-plan purchase, self-build, mortgage, or one of the direct support packages (down payment, rental, furniture, build, renovation).

5. Link with Financing Entity: Use the "Real Estate Advisor" service for personalized financing recommendations, then select the appropriate bank or finance company from participating institutions.

6. Complete Financing: Finalize financing procedures electronically with the chosen institution.

7. Sign Contracts: Upon completing all procedures, sign the housing support contract with the financing entity and the support agreement with the Real Estate Development Fund.

If your application is rejected: You can file an appeal through the Sakani platform or service offices, or call 199088 (Real Estate Development Fund) or 199090 (Beneficiary Care Center, Sunday-Thursday, 8 AM - 8 PM) or via WhatsApp: 0554199090.

If you are eligible for housing support and looking for a ready residential unit in Riyadh, contact Asas Makeen at 920033366 to help you choose the right unit from our Sakani-approved projects.

Eligible Real Estate Projects for Housing Support at Asas Makeen

Asas Makeen is one of the leading real estate development companies in the Kingdom, offering modern, integrated residential projects that meet the requirements of housing support.

Through its official platform, Asas Makeen offers several projects available within the Sakani program, including:

- Ready units with contemporary designs.

- Residential villas in gated communities.

- Units with long-term installments and special facilities for support beneficiaries.

- Strategic locations close to vital services such as schools, hospitals, and shopping centers.

The company works in direct collaboration with the Ministry of Municipalities and Housing and the Real Estate Development Fund, allowing eligible citizens to easily benefit from its units within the housing support framework. Contact us for more information about housing support conditions.

Frequently Asked Questions

What are the eligibility conditions for housing support?

The applicant must be a Saudi national, a permanent resident of the Kingdom, at least 20 years old (for husband or father), must not have owned suitable housing in the past year, must not have previously benefited from another government housing program, and family assets must not exceed SAR 5 million.

Does housing support include singles?

No. Singles (unmarried individuals) are not eligible for subsidized housing support as independent individuals. The program is designed for Saudi families in their ten specified compositions. The only exception is those who qualify as "individual by family status" such as widows, divorced women after one year, those with severe disabilities, or orphans. Full-price purchase in housing projects (without support) has been available to singles since 2025.

How much is the monthly housing support?

It ranges from SAR 416 (for incomes above SAR 10,000) to SAR 1,350 (for incomes of SAR 3,000) per month, continuing for up to 20 years. The cumulative total ranges from SAR 100,000 to SAR 324,000 depending on income tier.

How much is housing support for a SAR 5,000 salary?

An applicant earning SAR 5,000 falls in Tier 3 and receives monthly support of up to SAR 1,073, equivalent to SAR 257,520 over 20 years. They are also entitled to a down payment grant of up to SAR 150,000 and full (100%) financing profit coverage.

How much is housing support for a SAR 8,000 salary?

An applicant earning SAR 8,000 falls in Tier 6 and receives monthly support of up to SAR 757, equivalent to SAR 181,680 over 20 years. They also receive full (100%) financing profit coverage since their income is below SAR 14,000.

When is housing support disbursed?

Housing support is deposited on the 24th of each month. If it falls on a Friday, it is moved to Thursday; if on a Saturday, it is moved to Sunday. The deposit process takes 3 to 5 business days maximum.

Can private sector employees apply?

Yes, private sector employees are entitled to apply for housing support provided they submit a salary letter and are registered with Social Insurance (GOSI). Private sector employees represent a significant proportion of actual beneficiaries and enjoy the same privileges as government sector employees.

What is Decision 850 and how did it affect housing support?

Council of Ministers Decision No. 850 (May 2025) introduced 7 major amendments: lowered eligibility age from 25 to 20 years, eliminated the sole-provider requirement for wives, reduced divorced women's waiting period from two years to one year, reduced the disposal restriction from 10 to 5 years retroactively, raised the asset ceiling from SAR 2 million to SAR 5 million, and shortened the non-ownership requirement from 5 years to one year.

What is the difference between housing support and a subsidized mortgage?

Housing support is a non-refundable monthly deposit (SAR 416 to SAR 1,350) from the Fund to cover financing profits. A subsidized mortgage is financing from a bank or finance company where the Fund covers 35% to 100% of profits on amounts up to SAR 500,000. In practice, the subsidized mortgage automatically includes the monthly support. Combining two options from the nine available is not permitted.

How do I appeal a housing support rejection?

You can file an appeal through the Sakani platform or service offices, or call 199088 (Real Estate Development Fund) or 199090 (Beneficiary Care Center, Sunday-Thursday, 8 AM - 8 PM) or via WhatsApp: 0554199090.

How long does a housing support application take?

Application reviews take 30 to 90 business days from the date of complete application submission. Support is allocated according to priority point ranking in the waiting queue, and some cases may require a field verification visit.

Can married women apply for housing support?

Yes. After Decision 850, the sole-provider requirement was permanently eliminated. Wives can now apply for housing support for their families directly without needing to prove they are the sole breadwinner. They only need to meet the general conditions (nationality, residency, no prior ownership, no previous benefits).

How do I take the first step?

If you are a Saudi citizen aged 20 or older and have never owned a home:

- Go to the Sakani platform and register through Unified National Access.

- Check your eligibility through the verification tool.

- Select the appropriate housing product from the nine options.

- If you are looking for a ready unit in Riyadh, contact Asas Makeen at 920033366 to help you choose the right unit from our Sakani-approved projects.

What is the penalty for fraud in housing support?

According to Article 22 as amended by Decision 850, submitting misleading or false information or committing fraud in any form results in: permanent cancellation of the housing support application, full recovery of all support in all its forms, and immediate full repayment of the housing loan if the support included a loan. The Ministry also has the right to refer the applicant to relevant authorities for additional legal action.