حاسبة التمويل العقاري بنك الجزيرة

حاسبة التمويل العقاري بنك الجزيرة , مما لا شك فيه أن هذا الموضوع من أهم وأفضل الموضوعات التي يمكن أن أتحدث عنها اليوم، حيث أنه موضوع شيق ويتناول نقاط حيوية، تخص كل فرد في المجتمع، وأتمنى من الله عز وجل أن يوفقني في عرض جميع النقاط والعناصر التي تتعلق بهذا الموضوع.

The real estate finance calculator of Bank Al-Jazira is one of the electronic financing services provided by Bank Al-Jazira who wish to apply for real estate finance in the bank online without the need to visit the branch. Al Jazeera in addition to the best subsidized real estate bank in Saudi Arabia.

Al Jazeera Bank

Bank Al-Jazira was established in 1975 AD and began its banking activity in 1976 AD by royal order after it acquired all the branches of the National Bank of Pakistan in Saudi Arabia. The bank also provides solutions and advisory advice in the field of wealth management.[1]

See also: Personal Finance Calculator Alinma Bank

Real Estate Finance Bank Aljazira

The Real Estate Bank offers a variety of real estate financing and financing solutions to achieve customers’ ambitions to buy a home. Customers can view real estate financing services as follows:[2]

Home Home Finance My Home.
Mortgage program.
Investment real estate financing.
Real estate financing with variable installments.
Real estate financing transfer.
Subsidized Home Finance Programs.

Real Estate Finance Calculator Bank Al Jazira

Through Bank Al Jazira’s mortgage calculator, customers are able to know the value of the monthly installments due for payment when submitting a financing request. Bank Al Jazira’s mortgage calculator includes the following:

Home Finance Calculator Monthly Loan Cost

Through the real estate finance calculator, Bank Al-Jazira monthly loan cost is available to determine the possibility of renting or buying a house according to the current rent amount paid according to the following:

Entering the real estate finance calculator of Bank Al-Jazira “from here”.
Write the customer’s monthly salary in the designated section.
Determine the first payment of the loan amount.
Write the term of the loan in years.
Determine monthly loan credit card payments.

Pressing Calc.
The real estate finance calculator extracts the amount that can be financed for the customer in addition to the monthly installments resulting from a specific 3.5% Murabaha rate, in addition to the first payment and the purchase price.

See also: You are eligible for the Finance Month offer to get a new personal finance. Apply now through the Al Rajhi Bank app

Mortgage Calculator Mortgage Payment

Through the mortgage calculator, Bank Al-Jazira mortgage loan payment calculator is available to customers to determine the value of the monthly payments according to the required finance amount as follows:

Write down the amount of financing required by Bank Al-Jazira to buy a house.
Determine the tenure of the financing loan.
Pressing Calc.

If the customer requests a financing of one million riyals, the monthly installments on a Murabaha rate of 3.5% of the value of the financing over 20 years will be 6875 Saudi riyals.

Home Finance Calculator Rent or purchase payment

The real estate finance calculator of Bank Al-Jazira works in the rent or purchase tab in determining the possibility of renting or buying a house according to the current rent amount paid as follows:

Write down the monthly rent for the house.
Determine the time period in years.

Pressing Calc.
The real estate finance calculator calculates the amount of finance that can be granted to the customer based on the value of the monthly house rent deducted.

See also: Conditions for subsidized real estate financing Al Rajhi Bank 1442

Terms of real estate financing Bank Aljazira

Bank Aljazira requires customers wishing to apply for real estate financing to fulfill the following conditions:

The minimum age for applying for real estate financing is 21 years.
The applicant must be a Saudi national.
The minimum salary for the applicant is 6000 SAR.
When there is a guarantor, the minimum salary for the guarantor is 5,000 Saudi riyals, and the minimum salary for the guarantor is 3000 Saudi riyals.
The minimum for a client to work in his current job is 6 months for workers in the private sector and 3 months for workers in the public sector.

Bank Aljazira subsidized real estate finance

Bank Al-Jazira, in partnership with the Saudi Real Estate Development Fund, made it possible to obtain one of the following subsidized real estate financing programs:

Flexible installment subsidized mortgage program.
The subsidized mortgage program reduces the down payment.
Subsidized real estate finance purchase of ready units.
Subsidized real estate financing off-plan sale.
Self-supported real estate financing.

Each of the mortgage finance programs supported by Bank Al Jazira will be explained in detail below.

See also: Al Rajhi Bank Mortgage Terms 2021

Flexible Installment Subsidized Home Finance

The real estate finance program supported by the flexible installment system provided by Bank Al-Jazira allowed customers to obtain real estate finance in the event that the customer committed to another existing loan such as a personal loan, real estate finance or credit card loans, and this program is characterized by the following:

The possibility of obtaining the maximum amount of real estate financing for the purchase of a house, taking into account the possibility of changing the monthly installment.
Providing the client applying for real estate financing with personal financing to pay the first installment of the price of the house.
The maximum loan repayment period is 70 years of the customer’s age.

Subsidized Home Finance Reduce Down Payment

Bank Al Jazira launched a support program to facilitate customers’ access to subsidized real estate financing to buy a house by reducing the value of the first payment of the property value to 5% of the total value. This program has the following characteristics:

Determine the value of the first payment of the price of the property at 5% of the value of the apartment or house.
Real estate financing supported by 95% of the property value.
Apply the program’s features to ready-to-sale units and residential units on the map.
The maximum value of reducing the down payment is 40,000 Saudi riyals, provided that the property value does not exceed 800,000 Saudi riyals.

Subsidized real estate finance purchase ready units

Bank Al-Jazira, along with the Saudi Ministry of Housing and Construction and the Real Estate Development Fund, launched a program to purchase ready-made units to support customers and help them pay real estate finance profits. This program has the following characteristics:

Financing up to 8 million Saudi riyals.
Real estate financing of up to 60% of the actual property value.
The financing period is long, up to 25 years.
Determine a competitive financing profit margin.
Taking all clients’ sources of income into consideration when making a financing decision.
The maximum deduction percentage is 70% of the value of the monthly salary.
Relatives and ascendants are not obligated to pay the remaining amount in the event of death or disability.
Free insurance of the financed property against disasters and fires for the duration of the financing.
The minimum monthly income of the customer is 3000 Saudi riyals in case of transferring the salary to Bank Al-Jazira.
The minimum monthly income of the customer is 10,000 Saudi riyals in the event that the salary is not transferred to Bank Al-Jazira.
Financing up to 95% of the property value in case of subscribing to the down payment program.
The annual Murabaha rate is 3.86%.
The offer is valid until October 31, 2021.
Administrative fees and real estate appraisal fees are applied at a value of 1% of the property price from the financing amount, with a maximum of 5,000 Saudi riyals, to which 15% value added tax is added.

See also: Best Bank for Subsidized Real Estate Finance in Saudi Arabia 2021

Conditions for purchasing a ready-made housing unit Real estate financing Bank Al Jazira

The bank specified the conditions for purchasing ready units from the subsidized real estate financing program as follows:

The applicant possesses a valid Saudi national identity card.
The applicant does not own a previous property.
The approval of the Real Estate Development Fund and the Ministry of Housing to request financing for the purchase of ready-made units.
The customer has a good credit history and a good reputation among banks.
The minimum age of the customer is 18 years to apply for financing and the maximum age is 70 years to redeem the financing.
The minimum period of work for a continuous period of 3 months for public semi-governmental sector employees and 6 months for private sector employees, and without a minimum for military and government sector employees.
Registering the property submitted for financing in the Legal Instruments Department with a separate deed.
The location of the property within the urban boundaries in the cities of Saudi Arabia.
The maximum life of the property is 20 years at the beginning of the financing and 40 years at the end of the financing period.
The property must be vacant and ready to move in.

Documents required to purchase a ready-made housing unit Real estate financing Bank Al Jazira

Bank Aljazira has specified the documents required from the client to apply for a subsidized real estate financing to purchase a ready-made housing unit as follows:

Client documents are as follows:
- A copy of a valid national identity card for the event.
- A salary identification certificate from the employer for a period not exceeding 30 days, certified by the Chamber of Commerce, in case the salary is not transferred to Bank Al-Jazira.
- A customer bank statement that includes the last 3 months for employees clients and an account statement for the last 6 months for self-employed clients.
- A confirmation letter in case the salary value differs between the statement of account and the identification certificate.
- The financial history of the self-employed in the last two years.
- Social insurance document.
- A copy of the commercial register for the self-employed.
Real estate documents: They include all of the following papers and documents:
- The commercial register of the company that owns the property.
- A true copy of the title deed of the property.
- A certified map of the location of a property, or what is called a sketch, that includes the basic property data and the address of its current owner.
- Building permit for real estate.
- A copy of the price offer submitted by the current property owner.
- Electricity payment receipt for the property in the last 3 months.

See also: Al Rajhi Bank for real estate finance toll-free number

Real estate financing with variable installments Bank Al Jazira

Customers can apply for real estate financing with variable installments Bank Al-Jazira to obtain financing at low installments for a certain period of time specified by the client to meet other obligations such as personal financing loans, lease financing and others.

Real estate finance calculator with variable installments Bank Al Jazira

Customers can benefit from the mortgage calculator with a variable installment from Bank Al Jazira through the following:

Determine the monthly income of the client.
Set the first payment of the property value.
Write down the monthly loan and credit card value.
Determine the duration of the financing.
Pressing Calc.
The real estate finance calculator with a variable installment gives the value of the financing that can be granted to the customer with the resulting monthly installments according to the number of years specified for the financing and the financing Murabaha.

See also: New Al Rajhi Bank personal finance terms 1443

Advantages of real estate financing with variable installments Bank Al Jazira

Saudi Bank Al Jazira allows you to apply for real estate financing with a variable installment with the following characteristics and advantages:

Financing up to 85% of the property value.
Real estate financing value of up to 5 million Saudi riyals.
Providing the opportunity for the solidarity of relatives to obtain the highest value of real estate financing.
Financing for the purchase of a house, housing or land prepared for construction.
Real estate finance with a variable installment is considered a banking product that is compatible with the provisions and controls of Islamic Sharia, and the deceased and the incapacitated are exempted from paying the dues.
Insuring the property against natural disasters and fires for the duration of the financing.
A competitive Murabaha rate compared to other Saudi banks.
Customers can obtain personal financing to pay the first installment of the property value or rental financing at the same time.

Is the mortgage loan forfeited in the event of death Bank Al Jazira

The Real Estate Development Fund announced, in its official account, in a tweet on Twitter, that the mortgage loan was dropped from the deceased and that the dues were not claimed, except for the arrears of payment from them only.

See also: How much is the real estate development fund deducted from the pension?

How to apply for real estate financing Bank Al-Jazira

Customers can apply for real estate financing at Bank Al Jazira by following one of the following methods:

Online mortgage loan application for Bank Al-Jazira.
Real estate financing application for Bank Al-Jazira from the banking phone.
Real estate financing request from Bank Al-Jazira from the branch.

Each of the aforementioned methods will be explained in detail below.

How to apply for real estate financing Bank Al Jazira online

Customers can apply for real estate financing after using Bank Al Jazira’s real estate finance calculator through the bank’s official website by following the following steps:

Entering the link to submit a real estate financing application on the official website of Bank Al Jazira “from here”.

Fill out the real estate financing application form for Bank Al Jazira as follows:
- Write the first and last name.
- Enter the customer’s email address and mobile number.
- Determining the city and job status of the client.
- Write the value of the customer’s monthly income in Saudi riyals.
- Determine the type of property, villa, apartment or land.
- Select I am not a robot and press Submit.
The client’s request is answered within a maximum period of 24 hours, and he is asked to bring the necessary papers and documents in the event of approval of the grant of real estate financing.

See also: Conditions of the mortgage loan supported by the Ministry of Housing 1443

Real estate financing application for Bank Al-Jazira from the banking phone

Customers can submit a real estate financing request from Bank Al Jazira by calling the banking phone number 800 244 9999 for customer service, and the employee will respond to questions and inquiries and help complete the financing request.

Real estate financing request from Bank Al-Jazira from the branch

Customers can also, by visiting the nearest Al Jazira Bank branch to their place of residence, apply through the customer service at the branch, whose employees will answer all customers’ inquiries and questions.

Finally, we have explained the real estate finance calculator of Bank Al-Jazira and Bank Al-Jazira, subsidized real estate finance and real estate finance with a variable installment, Bank Al-Jazira, in addition to answering the question: Does the mortgage loan fall in the event of death Bank Al-Jazira and the method of requesting real estate finance Bank Al-Jazira.

خاتمة لموضوعنا حاسبة التمويل العقاري بنك الجزيرة ,وفي نهاية الموضوع، أتمنى من الله تعالى أن أكون قد استطعت توضيح كافة الجوانب التي تتعلق بهذا الموضوع، وأن أكون قدمت معلومات مفيدة وقيمة.