We empower Saudi families to build a more stable future through flexible financing and diverse housing products that meet the aspirations of the next generation and improve quality of life under Vision 2030.
Supported housing finance contracts
National homeownership rate
Families benefited from the program
Empowering and enhancing the growth of the Saudi housing market by providing sustainable and innovative financial solutions for citizens and market participants.
Increasing the percentage of homeownership among citizens by providing innovative and financially sustainable solutions for citizens and market participants.
The REDF was established by Royal Decree No. M/23 dated 11/06/1394, corresponding to 01/07/1974. It is organizationally linked to the National Development Fund and aims to achieve real estate development in the Kingdom of Saudi Arabia by enabling beneficiaries to own suitable housing.
A strong foundation for Saudi homeownership.
Minister of Municipalities and Housing,
Chairman of the Board of Directors
2025 was a year when The Real
Estate Development Fund (REDF)
started the implementation of an
updated corporate strategy designed
to enable and drive the growth of
the Saudi housing market through
sustainable and innovative financial
solutions for citizens and market
participants.
2025 was a year when The Real
Estate Development Fund (REDF)
started the implementation of an
updated corporate strategy designed
to enable and drive the growth of
the Saudi housing market through
sustainable and innovative financial
solutions for citizens and market
participants.
continued evolution of a housing
system designed to deliver impact
at scale, one capable of responding
to economic cycles, demographic
change and changing expectations of
a young population.
This progress is particularly
significant in today’s context.
The Kingdom has a young, urban
population undergoing a generational
transition, with more citizens
entering the housing market as
first time buyers, singles, and
young families. While the aspiration
to own a home remains strong
homeownership is increasingly
viewed not as an endpoint,
but as a foundation for economic
participation, stability and long term
wellbeing.
Homeownership also delivers
impact beyond the household. It
supports wealth creation, reduces
exposure to rental volatility and
strengthens financial resilience. At
a national level, a healthy housing
sector contributes to GDP, sustains
employment across various sectors
and reinforces social cohesion.
In this sense, housing is both a
social priority and an instrument of
economic policy and nation building.
Within this housing ecosystem,
REDF serves as a steward to deliver
2025 was a year when The Real
Estate Development Fund (REDF)
started the implementation of an
updated corporate strategy designed
to enable and drive the growth of
the Saudi housing market through
sustainable and innovative financial
solutions for citizens and market
participants.
2025 was a year when The Real
Estate Development Fund (REDF)
started the implementation of an
updated corporate strategy designed
to enable and drive the growth of
the Saudi housing market through
sustainable and innovative financial
solutions for citizens and market
participants.
continued evolution of a housing
system designed to deliver impact
at scale, one capable of responding
to economic cycles, demographic
change and changing expectations of
a young population.
This progress is particularly
significant in today’s context.
The Kingdom has a young, urban
population undergoing a generational
transition, with more citizens
entering the housing market as
first time buyers, singles, and
young families. While the aspiration
to own a home remains strong
homeownership is increasingly
viewed not as an endpoint,
but as a foundation for economic
participation, stability and long term
wellbeing.
Homeownership also delivers
impact beyond the household. It
supports wealth creation, reduces
exposure to rental volatility and
strengthens financial resilience. At
a national level, a healthy housing
sector contributes to GDP, sustains
employment across various sectors
and reinforces social cohesion.
In this sense, housing is both a
social priority and an instrument of
economic policy and nation building.
Within this housing ecosystem,
REDF serves as a steward to deliver
Chief Executive Officer,
Member of the Board of Directors
In 2025, The Real Estate Development
Fund (REDF) entered a new phase,
placing sustainable and innovative
financial solutions at the heart of
its updated corporate strategy to
drive the continued growth of the
Saudi housing market. With national
homeownership reaching 66.2%, REDF
continues to make strong progress
toward supporting the Kingdom’s
Vision 2030 target of 70%.
During 2025, more than 83,000
housing finance contracts were
enabled through REDF supported
programmes, reflecting sustained
demand and delivering meaningful
impact in expanding access to
homeownership. REDF’s role goes
beyond direct beneficiary support,
with a critical position as a key enabler
of the financing housing ecosystem
and this collaborative approach has
translated into measurable outcomes.
Institutional capability and operational
excellence continue to be key
enablers of our strategy. During
the year, REDF advanced its digital
& AI transformation agenda, with
84% usage of electronic services
and Customer Satisfaction of
digital services reaching 90%. The seamless homeownership journey is enabled through The Real Estate Advisor platform with over 1.8 million registered beneficiaries. The platform allows beneficiaries to register, explore housing options and receive up to five home financing offers through a streamlined process completed in five simple steps. More than 710,000 beneficiaries were served through online and branch channels and Customer satisfaction (CSI), reached 86%, with a Net Promoter Score (NPS) of 75%, reflecting growing trust in REDF’s services and ease of beneficiary journey.
In 2025, The Real Estate Development Fund (REDF) entered a new phase, placing sustainable and innovative financial solutions at the heart of its updated corporate strategy to drive the continued growth of the Saudi housing market. With national homeownership reaching 66.2%, REDF continues to make strong progress toward supporting the Kingdom's Vision 2030 target of 70%. During 2025, more than 83,000 housing finance contracts were enabled through REDF supported programmes, reflecting sustained demand and delivering meaningful impact in expanding access to homeownership.
REDF's role goes beyond direct beneficiary support, with a critical position as a key enabler of the financing housing ecosystem and this collaborative approach has translated into measurable outcomes. Institutional capability and operational excellence continue to be key enablers of our strategy. During the year, REDF advanced its digital and AI transformation agenda, with 84% usage of electronic services and Customer Satisfaction of digital services reaching 90%.
The seamless homeownership journey is enabled through The Real Estate Advisor platform with over 1.8 million registered beneficiaries. The platform allows beneficiaries to register, explore housing options and receive up to five home financing offers through a streamlined process completed in five simple steps. More than 710,000 beneficiaries were served through online and branch channels and Customer satisfaction (CSI), reached 86%, with a Net Promoter Score (NPS) of 75%, reflecting growing trust in REDF's services and ease of beneficiary access.
The Fund’s performance indicators and platforms during the year 2025 in delivering financing and advisory services.
Registered beneficiaries on the Real Estate Advisor platform.
Contracts signed in 2025.
Facilities approved to develop more than 35 projects totaling 4,586 housing units.
Support for individual mortgage financing costs, resulting in 344 housing finance contracts.
Supported and empowered, with agreements covering 3,285 housing units.
Supporting financing products and their foundations.
Real estate valuations completed, bringing total applications since the program launch in 2021 to 1,402,451.
Valuation requests in 2025.
Real estate valuation requests in 2025.
Collections performance exceeded the annual target of 5,681 million.
Collected through the early repayment discount program.
Number of full loan closure beneficiaries in 2025.
Investment revenues exceeded the target by 133%.
Total revenues exceeded the target by 129%.
Return on investment after investment revenues.
Paid-in capital; authorized capital is 190.9 billion.
Annual average cost of supported financing.
Total approved expenses, with a disbursement ratio of 99.99%.
Percentage above the annual target for allocated funds.
Operating revenues exceeded the target by 120%.