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Last Modified 20 April 2025

Family Loan

A financial solution designed for low-income families to help cover essential needs and improve their living stability. Customers can apply for this Loan entirely online, without the need to visit any bank branch.

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Financing starts from 18 thousand and up to 100,000 ♦ (when not benefiting from one of the social financing products previously).
The repayment period is up to 4 years.
Payment is made monthly.
No administrative fees.
Exemption shall be in the event of death or total disability - God forbid - according to the terms of the insurance policy.

The applicant must not be more than 70 years old.
The applicant must be married, widowed or divorced and support one or more children.
The applicant must be divorced, a widow, or an abandoned wife and support one or more children.
The age of the abandoned wife applying must not be less than 30 years, and the age of her youngest child must not be less than one year according to the Gregorian date.
The number of family members must not be less than two.
The monthly income should not exceed 14,500 ♦ .
The per capita share of the family income should not exceed 3,000 ♦ (the per capita share is calculated by dividing the monthly income of the head of the family by the number of family members).
The sponsor’s age must not exceed 55 years.

The son is counted if he is not over twenty-four years old, unless he is an employee or married.
The daughter is counted if she is not employed or married, without regard to her age.
Children of persons with disabilities are counted without regard to age if they are unmarried and not employed.

The value of family financing is calculated based on two determinants according to the employment status:

Employees (applicant with income): Calculation is based on the individual share of the household head’s income.
Non-employed (applicant who has no income): Calculation is based on the number of family members.

The following table shows the financing value according to the applicant’s status:

Employees					Non-employees (number of family members)
#	Per capita	Monthly installment	Value in SAR	Installments	م	Number of family members	installment in SAR	Value in SAR	Installments
1	2501 - 3000	375	18,000	48	1	2	375	18,000	48
		500	24,000	48			500	24,000	48
		625	30,000	48			625	30,000	48
2	2001 - 2500	750	36,000	48	2	3	750	36,000	48
		875	42,000	48			875	42,000	48
		1,000	48,000	48			1,000	48,000	48
3	1501 - 2000	1,125	54,000	48	3	4	1,125	54,000	48
		1,250	60,000	48			1,250	60,000	48
		1,375	66,000	48			1,375	66,000	48
4	1001 - 1500	1,500	72,000	48	4	5	1,500	72,000	48
		1,625	78,000	48			1,625	78,000	48
		1,750	84,000	48			1,750	84,000	48
5	1000 and less	1,875	90,000	48	5	6 and more	1,875	90,000	48
		2,000	96,000	48			2,000	96,000	48
		2,084	100,000	*48			2,084	100,000	*48
Noting that the installment for the loan value (100,000) will be (2,052) SAR

Financing value for categories over 60 years old:

(Age groups over 60 and under 65 years): The maximum financing limit is 30,000 ♦
(Age groups over 65 and under 70 years): The maximum financing limit is 18,000 ♦

A copy of the applicant’s ID.
A copy of the family registry.
The IBAN account number on the bank’s official letterhead, certified by the Commercial Bank.
Statement of account for the last 3 salaries certified by the Commercial Bank.
A certificate of periods and contributory wages whose issuance date does not exceed 60 days from Social Insurance website (if the applicant is subject to the Social Insurance system) .

A copy of the applicant’s ID.
A copy of the family registry.
The IBAN account number on the bank’s official letterhead, certified by the Commercial Bank.
A detailed definition of the applicant’s salary, certified by the Chamber of Commerce, signed and stamped by the applicant’s employer, and whose signature date does not exceed 60 days.
A certificate of periods and contributory wages whose issuance date does not exceed 60 days from Social Insurance website.
A copy of the sponsor’s ID.
A detailed definition of the sponsor’s salary, signed and stamped by the sponsor’s employer, and whose signature date does not exceed 60 days.

A photo of the applicant's ID.
A copy of the family registry.
The IBAN account number on the bank's official letterhead, certified by the Commercial Bank.
A detailed definition of the applicant’s salary, certified by the Chamber of Commerce, signed and stamped by the applicant’s employer, and the date of its signature not exceeding 60 days.
A certificate of contributory periods and wages whose issuance date does not exceed 60 days from Social Insurance website.

A photo of the applicant's ID.
A copy of the family registry.
The IBAN account number on the bank's official letterhead, certified by the Commercial Bank.
A copy of the sponsor's ID.
Definition of the sponsor's salary, signed and stamped by the sponsor's employer, and no later than 60 days before its signature.

A photo of the applicant's ID.
A copy of the family registry.
The IBAN account number on the bank's official letterhead, certified by the Commercial Bank.

A photo of the applicant's ID.
A copy of the family registry.
Definition of the applicant's pension from General Organization for Social Insurance website.
The IBAN account number on the bank's official letterhead, certified by the Commercial Bank.
A certificate of contributory periods and wages whose issuance date does not exceed 60 days from Social Insurance website.
A copy of the sponsor's ID.
Definition of the sponsor's salary, signed and stamped by the sponsor's employer, and no later than 60 days after its signature.

A copy of the applicant’s ID.
A copy of the family register (including dependent children).
Copies of birth certificates for dependent children.
The support document is addressed to the Social Development Bank.
The IBAN account number on the bank’s official letterhead, certified by the Commercial Bank.
Statement of account for the last 3 salaries certified by the Commercial Bank.
A certificate of periods and contributory wages whose issuance date does not exceed 60 days from Social Insurance website (if the applicant is subject to the Social Insurance system).
A dependent family acknowledgment form printed from the bank’s website and authenticated by one of the branches of the Social Development Bank (for abandoned women only).
The form for matching the national identity of witnesses in the declaration of dependents is printed from the bank’s website and authenticated by one of the branches of the Social Development Bank (for abandoned women only).

A photo of the applicant’s ID.
A copy of the family register (including dependent children).
Copies of birth certificates for dependent children.
The support document is addressed to the Social Development Bank.
A detailed salary statement for the applicant, certified by the Chamber of Commerce, signed and stamped by the applicant’s employer, and whose signature date does not exceed 60 days.
The IBAN account number on the bank’s official letterhead, certified by the Commercial Bank.
A certificate of periods and contributory wages whose issuance date does not exceed 60 days from Social Insurance website.
A copy of the sponsor’s ID.
A detailed definition of the sponsor’s salary, signed and stamped by the sponsor’s employer, and whose signature date does not exceed 60 days.
A dependent family acknowledgment form printed from the bank’s website and authenticated by one of the branches of the Social Development Bank (for abandoned women only).
The form for matching the national identity of witnesses in the declaration of dependents is printed from the bank’s website and authenticated by one of the branches of the Social Development Bank (for abandoned women only).

A photo of the applicant’s ID.
A copy of the family register (including dependent children).
Copies of birth certificates for dependent children.
The support document is addressed to the Social Development Bank.
The IBAN account number on the bank’s official letterhead, certified by the Commercial Bank.
A detailed salary statement for the applicant, certified by the Chamber of Commerce, signed and stamped by the applicant’s employer, and whose signature date does not exceed 60 days.
A certificate of periods and contributory wages whose issuance date does not exceed 60 days from Social Insurance website.
A dependent family acknowledgment form printed from the bank’s website and authenticated by one of the branches of the Social Development Bank (for abandoned women only).
The form for matching the national identity of witnesses in the declaration of dependents is printed from the bank’s website and authenticated by one of the branches of the Social Development Bank (for abandoned women only).

A photo of the applicant's ID.
A copy of the family register (including dependent children).
Photocopies of birth certificates for dependent children.
The support document is addressed to the Social Development Bank.
The IBAN account number on the bank's official letterhead, certified by the Commercial Bank.
A copy of the sponsor's ID.
A detailed definition of the sponsor's salary, signed and stamped by the sponsor's employer, and whose signature date does not exceed 60 days.
A dependent consent form printed from the bank’s website and authenticated by one of the branches of the Social Development Bank (for abandoned women only).
The form for matching the national identity of witnesses in the declaration of their relatives is printed from the bank’s website, and authenticated by one of the branches of the Social Development Bank (for abandoned women only).

A photo of the applicant's ID.
A copy of the family register (including dependent children).
Photocopies of birth certificates for dependent children.
The support document is addressed to the Social Development Bank.
Definition of the applicant’s pension from General Organization for Social Insurance website.
The IBAN account number on the bank's official letterhead, certified by the Commercial Bank.
A dependent consent form printed from the bank’s website and authenticated by one of the branches of the Social Development Bank (for abandoned women only).
The form for matching the national identity of witnesses in the declaration of their relatives is printed from the bank’s website, and authenticated by one of the branches of the Social Development Bank (for abandoned women only).

A photo of the applicant’s ID.
A copy of the family register (including dependent children).
Copies of birth certificates for dependent children.
The support document is addressed to the Social Development Bank.
Definition of the applicant’s pension from General Organization for Social Insurance website.
The IBAN account number is on the bank’s official letterhead, certified by the Commercial Bank.
A copy of the sponsor’s ID.
A definition of the sponsor’s salary, signed and stamped by the sponsor’s employer, no later than 60 days after its signature.
A dependent family acknowledgment form printed from the bank’s website and authenticated by one of the branches of the Social Development Bank (for abandoned women only).
The national identity matching form for witnesses in the declaration of dependents is printed from the bank’s website and authenticated by one of the branches of the Social Development Bank (for abandoned women only).

Submit application

Target group

Citizens, both male and female

Number of beneficiaries

1.2 million

Service Fee

Free

Payment Channels

Free

Availability:

24/7

SLA

30 working days

Channels:

Presentation language

Arabic

User's Guide

Family Finance - User Guide

Create an account

User's Guide

Create an account

Service start date

2021 2011

FAQs

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Customer Service:

Phone
920008002
Email
care@sdb.gov.sa

Internal strategic engagement

Family financing intersects with one of the bank’s strategic objectives:
Providing targeted and effective social financing to serve the beneficiary segments.

International strategic engagement

Family finance intersects with the first goal of the United Nations Sustainable Development Goals.
It can be viewed here

Product Features

Financing period

Up to 4 years

Payment method

On a monthly basis

Financing ceiling

Up to 100,000 ♦

Administrative fees

nothing

Exemption according to the terms of the insurance policy

Upon death or total disability

Customer Journey

Apply

Eligibility check

Processing

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Do you have any questions?

If you have any questions about family finance, please see the FAQ.

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