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Royal Decree M/14 · Now in force
The Non-Saudi Real Estate Ownership Law is now published, with applications running through the official Saudi Properties portal. Here is what it means in plain English — verified against REGA guidance.
Non-Saudi property ownership is now governed by the Non-Saudi Real Estate Ownership Law (Royal Decree M/14, 14 July 2025), which took effect on 22 January 2026, together with its Executive Regulations published in the Official Gazette (Um Al Qura issue 5169) on 3 July 2026 and the official geographic-scope maps. Applications run through a single government gateway, the Saudi Properties portal operated by REGA, replacing the previously fragmented, heavily restricted framework.
The law and its regulations are published; what remains is confirming the exact geographic zone of individual properties. This page is a plain-language orientation, not legal advice. For binding decisions, work with a REGA-licensed agent and a Saudi legal advisor.
Where foreign ownership is permitted
Your rights depend on the official geographic zone: inside an approved zone, full ownership is available; outside it, specific rights apply. We track the official Saudi Properties maps and can advise on specific properties.
Defined geographic zones; no religious restriction
Defined geographic zones; no religious restriction
Muslims only — full ownership inside the approved zone; usufruct outside it for Premium Residency holders
Muslims only — full ownership inside the approved zone; usufruct outside it for Premium Residency holders
Vision 2030 destinations within the zoned framework
Defined geographic zones
Eligibility
The law defines six eligible buyer categories, each with its own geographic scope and requirements. The most common paths:
Individuals residing in Saudi Arabia — valid residency or Premium Residency
Non-resident individuals living abroad — via a Digital Identity obtained through a Saudi diplomatic mission
GCC nationals — under the GCC ownership framework
Non-Saudi companies and non-profit entities — registered with the relevant authority (excluded from Makkah and Madinah)
The investor path
If you live in the Kingdom, confirm a valid residency or Premium Residency. If you live abroad, obtain a Digital Identity through a Saudi diplomatic mission, open a Saudi bank account, and get a Saudi contact number.
Select a property and confirm it falls within an approved geographic zone on the Saudi Properties portal. The zone determines whether you receive full ownership or a usufruct right.
Create your account and log in to the official Saudi Properties portal (saudiproperties.rega.gov.sa) to access the ownership services.
Complete the eligibility verification service and obtain your Eligibility Certificate.
Pay the due fees and taxes by electronic payment, then complete the electronic transfer (Ifraagh) and registration of your title deed (Sak) in the Real Estate Registry. A 5% RETT applies — statutorily the seller's, with allocation set by contract.
The Non-Saudi Real Estate Ownership Law, its Executive Regulations, and the Saudi Properties portal are now published by REGA. What remains is confirmation of exactly which areas fall inside the approved geographic zones. This page is a plain-English orientation only — not legal advice. Always verify a specific property's zone and your eligibility on the Saudi Properties portal and with qualified Saudi legal counsel before commitment.
Make this concrete
REGA-licensed. CR No. 7052687345. We respond within one working day.
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