The main benefits of Riyad Murabaha Finance are:
✅ Available to employees across public, private, and military sectors
✅ Up to 60-month repayment term for better planning
✅ Profit margins aligned with Islamic principles
✅ Balance waived in case of death (with salary transfer)
✅ Option to receive cash via share resale or hold the shares
Why we recommend Riyad Murabaha Finance
Riyad Murabaha Finance offers a funding format that is clear and aligned with Islamic finance ethics. The bank purchases shares on your behalf, and you can choose to receive the liquidity by authorizing their resale or keeping them in your investment account. This gives you immediate access to cash or investment assets — both within Shariah-compliant parameters.
For individuals with a steady income, the product is suitable for medium- to long-term personal goals, such as covering unexpected costs or consolidating obligations. The conditions vary slightly depending on sector and salary, but entry points are accessible from SAR 3,000, with no service period required in some cases.
Compared to other types of personal financing in Saudi Arabia — such as auto leasing or limited-purpose loans — Riyad Murabaha Finance stands out for offering liquidity that you can manage according to your priorities. It’s practical and structured, although applicants should be aware of how share handling works during the resale process.
Author’s opinion
Riyad Murabaha Finance delivers a reliable alternative for those who need liquidity without compromising their values. Its structure is built to serve different categories of applicants, including government workers, military personnel, pensioners, and private-sector employees. The approval process is swift, and the ability to waive the outstanding balance in the event of death offers added security.
At the same time, the involvement of share ownership — even when sold through the bank — requires some understanding of the mechanism. If you’re seeking straightforward cash, the process may require a few more steps than usual, but it’s clearly explained during onboarding.
As a simulation: if you request SAR 100,000 and opt for a 5-year repayment at a 5% profit rate, your monthly payments will be close to SAR 1,887. This gives you cost predictability and room for financial organization — no floating interest, no hidden adjustments.
Take action with confidence today
Click the button below to learn how to apply, explore documentation, and understand your eligibility. Riyad Murabaha Finance is a strong choice for Shariah-compliant liquidity — we’ll guide you through your next steps.