{"id":4695,"date":"2022-01-25T07:24:43","date_gmt":"2022-01-25T07:24:43","guid":{"rendered":"https:\/\/osoulmodern.com\/?page_id=4695"},"modified":"2025-05-07T12:31:07","modified_gmt":"2025-05-07T12:31:07","slug":"prices-of-finance-and-saving-products","status":"publish","type":"page","link":"https:\/\/osoulmodern.com\/en\/prices-of-finance-and-saving-products\/","title":{"rendered":"Prices of Finance and Saving Products"},"content":{"rendered":"<section class=\"wpb-content-wrapper\"><section class=\"l-section wpb_row us_custom_ee4a6e0c height_auto full_height valign_bottom\"><div class=\"l-section-overlay\" style=\"background:linear-gradient(25deg,#40465a,rgba(0,0,0,0.1))\"><\/div><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_2 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_middle type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><h1 class=\"w-text us_custom_82ca3ff4 texthover has_text_color\"><span class=\"w-text-h\"><span class=\"w-text-value\">Prices of Finance and Saving Products<\/span><\/span><\/h1><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_2389522f us_animate_this\"><div class=\"wpb_wrapper\"><p style=\"text-align: center;\">We provides Shariah-compliant financing solutions to meet all clients needs.<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #999999;\">Last update: 7\/May\/2025<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_eac59c77  hide_on_mobiles height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-tabs us_custom_4a593b65 us_animate_this layout_hor style_radio2 switch_click has_scrolling\" style=\"--sections-title-size:1em\"><div class=\"w-tabs-list items_4 align_center\"><div class=\"w-tabs-list-h\"><button class=\"w-tabs-item active with_icon\" aria-controls=\"content-c216\"><i class=\"fas fa-user-alt\"><\/i><span class=\"w-tabs-item-title\">Individual Finance<\/span><\/button><button class=\"w-tabs-item with_icon\" aria-controls=\"content-d90b\"><i class=\"fas fa-briefcase\"><\/i><span class=\"w-tabs-item-title\">SMEs Finance<\/span><\/button><button class=\"w-tabs-item with_icon\" aria-controls=\"content-w369\"><i class=\"fas fa-list\"><\/i><span class=\"w-tabs-item-title\">Fees and Commissions<\/span><\/button><button class=\"w-tabs-item with_icon\" aria-controls=\"content-se2b\"><i class=\"fas fa-calculator\"><\/i><span class=\"w-tabs-item-title\">Calculator<\/span><\/button><\/div><\/div><div class=\"w-tabs-sections titles-align_none icon_chevron cpos_right\"><div class=\"w-tabs-section active\" id=\"c216\"><button aria-controls=\"content-c216\" class=\"w-tabs-section-header active with_icon\"><i class=\"fas fa-user-alt\"><\/i><div class=\"w-tabs-section-title\">Individual Finance<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-c216\" aria-expanded=\"true\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"w-html\">\n<table id=\"tablepress-6\" class=\"tablepress tablepress-id-6  tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Finance Amount<\/th><th class=\"column-2\">Repayment Period in Years<\/th><th class=\"column-3\">Annual Percentage Rate<\/th><th class=\"column-4\">Monthly Installment Amount<\/th><th class=\"column-5\">Administrative Fees<\/th><th class=\"column-6\">Fixed Annual Rate<\/th><th class=\"column-7\">Finance Period in Months<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td colspan=\"7\" class=\"column-1\">Finance without a guarantor (civil public sector only)<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">100,000<\/td><td class=\"column-2\">5<\/td><td class=\"column-3\">26.75%<\/td><td class=\"column-4\">2,833.33<\/td><td class=\"column-5\">1%<\/td><td class=\"column-6\">14%<\/td><td class=\"column-7\">60<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td colspan=\"7\" class=\"column-1\">Finance with a guarantor (civil public sector)<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">100,000<\/td><td class=\"column-2\">5<\/td><td class=\"column-3\">24.02%<\/td><td class=\"column-4\">2,708.33<\/td><td class=\"column-5\">1%<\/td><td class=\"column-6\">12.50%<\/td><td class=\"column-7\">60<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td colspan=\"7\" class=\"column-1\">Finance with a guarantor (private sector)<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">100,000<\/td><td class=\"column-2\">5<\/td><td class=\"column-3\">27.66%<\/td><td class=\"column-4\">2,875<\/td><td class=\"column-5\">1%<\/td><td class=\"column-6\">14.50%<\/td><td class=\"column-7\">60<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td colspan=\"7\" class=\"column-1\">Financing without a guarantor (employees of the General Organization for Social Insurance)<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">100,000<\/td><td class=\"column-2\">5<\/td><td class=\"column-3\">15.75%<\/td><td class=\"column-4\">2,333.33<\/td><td class=\"column-5\">none<\/td><td class=\"column-6\">8.00%<\/td><td class=\"column-7\">60<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-6 from cache --><\/div><div class=\"w-separator size_medium\"><\/div><div class=\"w-iconbox iconpos_left style_default color_primary align_left no_title\"><div class=\"w-iconbox-icon\" style=\"font-size:2rem;\"><i class=\"fas fa-info-circle\"><\/i><\/div><div class=\"w-iconbox-meta\"><div class=\"w-iconbox-text\"><p>The above tables are mere examples, and the annual percentage rate (APR) may change according to the amount, repayment period, and credit score of each client<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"d90b\"><button aria-controls=\"content-d90b\" class=\"w-tabs-section-header with_icon\"><i class=\"fas fa-briefcase\"><\/i><div class=\"w-tabs-section-title\">SMEs Finance<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-d90b\" aria-expanded=\"false\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"w-html\">\n<table id=\"tablepress-7\" class=\"tablepress tablepress-id-7\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Product<\/th><th class=\"column-2\">Repayment Period in Years<\/th><th class=\"column-3\">Annual Percentage Rate<\/th><th class=\"column-4\">Administrative Fees<\/th><th class=\"column-5\">Minimum (or) maximum administrative fees<\/th><th class=\"column-6\">Fixed Annual Rate<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Murabaha - Tawarruq<\/td><td class=\"column-2\">From one to 60 months<\/td><td class=\"column-3\">From 15.75% to 28.04%<\/td><td class=\"column-4\">From 0% to 3%<\/td><td class=\"column-5\">A minimum of zero - a maximum of SAR 300 thousand<\/td><td class=\"column-6\">From 8% to 15%<br \/>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div><div class=\"w-separator size_medium\"><\/div><div class=\"w-iconbox iconpos_left style_default color_primary align_left no_title\"><div class=\"w-iconbox-icon\" style=\"font-size:2rem;\"><i class=\"fas fa-info-circle\"><\/i><\/div><div class=\"w-iconbox-meta\"><div class=\"w-iconbox-text\"><p>Note: The tables above are for illustrative purposes only. Prices or the Annual Percentage Rate (APR) may vary depending on individual customer factors such as: employment sector, monthly income, requested amount, repayment period, and credit score.<\/p>\n<\/div><\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"w369\"><button aria-controls=\"content-w369\" class=\"w-tabs-section-header with_icon\"><i class=\"fas fa-list\"><\/i><div class=\"w-tabs-section-title\">Fees and Commissions<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-w369\" aria-expanded=\"false\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"g-cols wpb_row us_custom_62f661de via_grid cols_2 laptops-cols_inherit tablets-cols_2 mobiles-cols_1 valign_top type_default stacking_default\" style=\"grid-gap:28px;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-iconbox iconpos_left style_circle color_primary align_left\"><div class=\"w-iconbox-icon\" style=\"font-size:1.2rem;\"><i class=\"fas fa-user\"><\/i><\/div><div class=\"w-iconbox-meta\"><div class=\"w-iconbox-title\">Administrative fees for individuals<\/div><div class=\"w-iconbox-text\"><p>1% of the financing amount or 5,000 riyals, whichever is less.<\/p>\n<\/div><\/div><\/div><div class=\"w-separator size_medium\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-separator size_medium\"><\/div><\/div><\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"se2b\"><button aria-controls=\"content-se2b\" class=\"w-tabs-section-header with_icon\"><i class=\"fas fa-calculator\"><\/i><div class=\"w-tabs-section-title\">Calculator<\/div><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-se2b\" aria-expanded=\"false\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"g-cols wpb_row us_custom_62f661de via_grid cols_1 laptops-cols_inherit tablets-cols_1 mobiles-cols_1 valign_top type_default stacking_default\" style=\"grid-gap:28px;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_eb849559\"><div class=\"wpb_wrapper\"><p>You can get an approximate estimate of your financing amount by filling out the following fields:<\/p>\n<\/div><\/div><div class=\"wpb_text_column us_custom_5259e4f1 has_text_color\"><div class=\"wpb_wrapper\"><p>**Note: All figures shown here are approximate.**<\/p>\n<\/div><\/div><div class=\"w-html us_custom_91802182\"><div class=\"calculator-container\">\n    <div class=\"calculator-header\">\n        <p class=\"text-muted\">\u0623\u062f\u062e\u0644 \u0628\u064a\u0627\u0646\u0627\u062a\u0643 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u062d\u0633\u0628\u0629 \u0627\u0644\u062a\u0642\u0631\u064a\u0628\u064a\u0629<\/p>\n    <\/div>\n\n    <form id=\"calculatorForm\">\n        <div class=\"input-group mb-3 mt-4\"> <!-- \u0625\u0636\u0627\u0641\u0629 \u0645\u0633\u0627\u0641\u0629 \u0623\u0639\u0644\u0649 -->\n            <input type=\"number\" class=\"form-control\" id=\"salary\" placeholder=\"\u0627\u0644\u0631\u0627\u062a\u0628 \u0627\u0644\u0634\u0647\u0631\u064a\" required>\n        <\/div>\n\n        <div class=\"input-group mb-3\">\n            <select class=\"form-control\" id=\"sector\" required>\n                <option value=\"\">\u0627\u062e\u062a\u0631 \u0627\u0644\u0642\u0637\u0627\u0639<\/option>\n                <option value=\"public\">\u062d\u0643\u0648\u0645\u064a<\/option>\n                <option value=\"private\">\u062e\u0627\u0635<\/option>\n                <option value=\"military\">\u0639\u0633\u0643\u0631\u064a<\/option>\n                <option value=\"retirement\">\u062a\u0642\u0627\u0639\u062f<\/option>\n            <\/select>\n        <\/div>\n\n        <div class=\"input-group mb-3\">\n            <input type=\"number\" class=\"form-control\" id=\"loanPeriod\" placeholder=\"\u0645\u062f\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 (\u0628\u0627\u0644\u0633\u0646\u0648\u0627\u062a)\" required>\n        <\/div>\n\n        <button type=\"submit\" class=\"btn btn-calculate\">\u0627\u062d\u0633\u0628 \u0627\u0644\u0622\u0646<\/button>\n    <\/form>\n\n    <div id=\"resultContainer\" class=\"result mt-3 d-none\"> <!-- \u0625\u062e\u0641\u0627\u0621 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0641\u064a \u0627\u0644\u0628\u062f\u0627\u064a\u0629 -->\n        <h4 id=\"resultHeader\" class=\"result-header\" style=\"color: #437b68; font-weight: bold;\">\u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u062d\u0633\u0627\u0628:<\/h4> <!-- \u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0628\u0627\u0644\u0623\u062e\u0636\u0631 \u0648\u0628\u0648\u0644\u062f -->\n        <p id=\"netLoanAmount\"><\/p>\n        <p id=\"totalLoanAmount\"><\/p>\n        <p id=\"monthlyPayment\"><\/p>\n        <p id=\"errorMessage\" style=\"color:red;\"><\/p>\n    <\/div>\n<\/div>\n\n<style>\n    .calculator-container {\n        background-color: #f9f9f9;\n        padding: 30px;\n        border-radius: 15px;\n        box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);\n        margin: 0 auto;\n        direction: rtl; \/* \u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0627\u062a\u062c\u0627\u0647 \u0645\u0646 \u0627\u0644\u064a\u0645\u064a\u0646 \u0625\u0644\u0649 \u0627\u0644\u064a\u0633\u0627\u0631 *\/\n    }\n\n    .calculator-header {\n        text-align: center;\n        margin-bottom: 40px; \/* \u0625\u0636\u0627\u0641\u0629 \u0645\u0633\u0627\u0641\u0629 \u0628\u064a\u0646 \u0627\u0644\u0646\u0635 \u0648\u0627\u0644\u062e\u0627\u0646\u0629 *\/\n    }\n\n    .btn-calculate {\n        background: #e0a43c;\n        border: none;\n        width: 100%;\n        margin-top: 20px;\n        margin-bottom: 20px;\n    }\n\n    .input-group {\n        width: 100%;\n        margin-bottom: 15px; \/* \u0625\u0636\u0627\u0641\u0629 \u0645\u0633\u0627\u0641\u0629 \u0628\u064a\u0646 \u0627\u0644\u062e\u0627\u0646\u0627\u062a *\/\n    }\n\n    .result-header {\n        font-weight: bold;\n        color: #437b68; \/* \u0644\u0648\u0646 \u0623\u062e\u0636\u0631 *\/\n        display: none; \/* \u0625\u062e\u0641\u0627\u0621 \u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0627\u0641\u062a\u0631\u0627\u0636\u064a\u064b\u0627 *\/\n    }\n\n    .result {\n        text-align: center;\n        width: 100%;\n    }\n\n    @media (max-width: 768px) {\n        .calculator-container {\n            padding: 20px;\n            width: 100%; \/* \u0645\u0644\u0621 \u0627\u0644\u0639\u0631\u0636 \u0639\u0644\u0649 \u0627\u0644\u062c\u0648\u0627\u0644 *\/\n        }\n\n        .input-group {\n            margin-bottom: 20px; \/* \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0645\u0633\u0627\u0641\u0629 \u0628\u064a\u0646 \u0627\u0644\u062e\u0627\u0646\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u062c\u0648\u0627\u0644 *\/\n        }\n    }\n<\/style>\n\n<script src=\"https:\/\/code.jquery.com\/jquery-3.6.0.min.js\"><\/script>\n<script>\n    $(document).ready(function() {\n        $('#calculatorForm').on('submit', function(e) {\n            e.preventDefault();\n\n            const salary = parseFloat($('#salary').val());\n            const sector = $('#sector').val();\n            const loanPeriod = parseInt($('#loanPeriod').val());\n\n            \/\/ \u062a\u062d\u0642\u0642 \u0645\u0646 \u0623\u0646 \u0645\u062f\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0644\u0627 \u062a\u062a\u062c\u0627\u0648\u0632 5 \u0633\u0646\u0648\u0627\u062a\n            if (loanPeriod > 5 || loanPeriod < 1) {\n                $('#errorMessage').text('\u0645\u062f\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 1 \u0625\u0644\u0649 5 \u0633\u0646\u0648\u0627\u062a \u0641\u0642\u0637.');\n                $('#resultContainer').removeClass('d-none');\n                $('#resultHeader').hide(); \/\/ \u0625\u062e\u0641\u0627\u0621 \u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0647\u0646\u0627\u0643 \u062e\u0637\u0623\n                return;\n            } else {\n                $('#errorMessage').text('');\n            }\n\n            let profitRate;\n            let minimumSalary;\n\n            \/\/ \u062a\u062d\u062f\u064a\u062f \u0646\u0633\u0628\u0629 \u0627\u0644\u0631\u0628\u062d \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0627\u0644\u0642\u0637\u0627\u0639\n            if (sector === 'public') {\n                minimumSalary = 5000;\n                if (salary >= 5000 && salary <= 11999) {\n                    profitRate = 0.16;\n                } else if (salary >= 12000) {\n                    profitRate = 0.14;\n                }\n            } else if (sector === 'private') {\n                minimumSalary = 5000;\n                if (salary >= 5000 && salary <= 6999) {\n                    profitRate = 0.18;\n                } else if (salary >= 7000 && salary <= 11999) {\n                    profitRate = 0.17;\n                } else if (salary >= 12000) {\n                    profitRate = 0.14;\n                }\n            } else if (sector === 'military') {\n                minimumSalary = 8000;\n                if (salary >= 8000 && salary <= 11999) {\n                    profitRate = 0.16;\n                } else if (salary >= 12000) {\n                    profitRate = 0.14;\n                }\n            } else if (sector === 'retirement') {\n                minimumSalary = 5000;\n                if (salary >= 5000) {\n                    profitRate = 0.08;\n                }\n            }\n\n            \/\/ \u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0631\u0627\u062a\u0628\n            if (salary < minimumSalary) {\n                $('#errorMessage').text(`\u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0631\u0627\u062a\u0628 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 ${sector === 'military' ? '\u0627\u0644\u0639\u0633\u0643\u0631\u064a' : sector === 'public' ? '\u0627\u0644\u062d\u0643\u0648\u0645\u064a' : sector === 'private' ? '\u0627\u0644\u062e\u0627\u0635' : '\u0644\u0644\u0645\u062a\u0642\u0627\u0639\u062f\u064a\u0646'} \u0647\u0648 ${minimumSalary.toLocaleString()} \u0631\u064a\u0627\u0644.`);\n                $('#resultContainer').removeClass('d-none');\n                $('#resultHeader').hide(); \/\/ \u0625\u062e\u0641\u0627\u0621 \u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0647\u0646\u0627\u0643 \u062e\u0637\u0623\n                return;\n            } else {\n                $('#errorMessage').text('');\n            }\n\n            const monthlyDeductionRate = 0.12;\n            const totalLoanAmount = Math.round((salary * monthlyDeductionRate) * (loanPeriod * 12));\n            const netLoanAmount = Math.round(totalLoanAmount \/ (1 + (profitRate * loanPeriod)));\n            const monthlyPayment = Math.round(monthlyDeductionRate * salary);\n\n            \/\/ \u062a\u062d\u0642\u0642 \u0645\u0646 \u0623\u0646 \u0635\u0627\u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0628\u064a\u0646 20,000 \u0648 200,000 \u0631\u064a\u0627\u0644\n            if (netLoanAmount < 20000) {\n                $('#errorMessage').text('\u0646\u0639\u062a\u0630\u0631 \u0645\u0646\u0643\u060c \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 20000 \u0631\u064a\u0627\u0644.');\n                $('#resultContainer').removeClass('d-none');\n                $('#resultHeader').hide(); \/\/ \u0625\u062e\u0641\u0627\u0621 \u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0647\u0646\u0627\u0643 \u062e\u0637\u0623\n                return;\n            } else if (netLoanAmount > 200000) {\n                $('#errorMessage').text('\u0646\u0639\u062a\u0630\u0631 \u0645\u0646\u0643\u060c \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0644\u062a\u0645\u0648\u064a\u0644 200,000 \u0631\u064a\u0627\u0644.');\n                $('#resultContainer').removeClass('d-none');\n                $('#resultHeader').hide(); \/\/ \u0625\u062e\u0641\u0627\u0621 \u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0647\u0646\u0627\u0643 \u062e\u0637\u0623\n                return;\n            } else {\n                $('#errorMessage').text('');\n            }\n\n            \/\/ \u0625\u0636\u0627\u0641\u0629 \u0641\u0627\u0635\u0644\u0629 \u0627\u0644\u0622\u0644\u0627\u0641 \u0644\u0644\u0646\u062a\u0627\u0626\u062c\n            $('#netLoanAmount').text(`\u0635\u0627\u0641\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644: ${netLoanAmount.toLocaleString()} \u0631\u064a\u0627\u0644`);\n            $('#totalLoanAmount').text(`\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u062a\u0645\u0648\u064a\u0644: ${totalLoanAmount.toLocaleString()} \u0631\u064a\u0627\u0644`);\n            $('#monthlyPayment').text(`\u0627\u0644\u062e\u0635\u0645 \u0627\u0644\u0634\u0647\u0631\u064a: ${monthlyPayment.toLocaleString()} \u0631\u064a\u0627\u0644`);\n            \n            \/\/ \u0625\u0638\u0647\u0627\u0631 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0628\u0639\u062f \u0627\u0644\u062d\u0633\u0627\u0628\n            $('#resultContainer').removeClass('d-none');\n            $('#resultHeader').show(); \/\/ \u0625\u0638\u0647\u0627\u0631 \u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0628\u0639\u062f \u0627\u0644\u062d\u0633\u0627\u0628\n        });\n    });\n<\/script>\n<\/div><div class=\"w-separator size_medium\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-separator size_medium\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_eac59c77  hide_on_default hide_on_laptops hide_on_tablets height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-separator size_medium\"><\/div><div class=\"w-iconbox iconpos_left style_default color_primary align_left no_text\"><div class=\"w-iconbox-icon\" style=\"font-size:2rem;\"><i class=\"fas fa-user-alt\"><\/i><\/div><div class=\"w-iconbox-meta\"><h3 class=\"w-iconbox-title\">Individual Finance<\/h3><\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-html\">\n<table id=\"tablepress-8\" class=\"tablepress tablepress-id-8\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Finance Type<\/th><th class=\"column-2\">Finance Amount<\/th><th class=\"column-3\">Repayment Period in Years<\/th><th class=\"column-4\">Annual Percentage Rate<\/th><th class=\"column-5\">Monthly Installment Amount<\/th><th class=\"column-6\">Administrative Fees<\/th><th class=\"column-7\">Fixed Annual Rate<\/th><th class=\"column-8\">Finance Period in Months<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Finance without a guarantor<br\/><span>(civil public sector)<\/span><br \/>\n<\/td><td class=\"column-2\">100,000<\/td><td class=\"column-3\">5<\/td><td class=\"column-4\">26.75%<\/td><td class=\"column-5\">2,833.33<\/td><td class=\"column-6\">1%<\/td><td class=\"column-7\">14%<\/td><td class=\"column-8\">60<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Finance with a guarantor<br\/><span>(public sector)<\/span><\/td><td class=\"column-2\">100,000<\/td><td class=\"column-3\">5<\/td><td class=\"column-4\">24.02%<\/td><td class=\"column-5\">2,708.33<\/td><td class=\"column-6\">1%<\/td><td class=\"column-7\">12.50%<\/td><td class=\"column-8\">60<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Finance with a guarantor <br\/><span> (private sector) <\/span><\/td><td class=\"column-2\">100,000<\/td><td class=\"column-3\">5<\/td><td class=\"column-4\">27.66%<\/td><td class=\"column-5\">2,875<\/td><td class=\"column-6\">1%<\/td><td class=\"column-7\">14.50%<\/td><td class=\"column-8\">60<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Financing without a guarantor <br\/><span> (employees of the General Organization for Social Insurance) <\/span><\/td><td class=\"column-2\">100,000<\/td><td class=\"column-3\">5<\/td><td class=\"column-4\">15.75%<\/td><td class=\"column-5\">2,333.33<\/td><td class=\"column-6\">1%<\/td><td class=\"column-7\">8.00%<\/td><td class=\"column-8\">60<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-8 from cache --><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><\/div><\/div><div class=\"w-separator size_large\"><\/div><div class=\"w-iconbox iconpos_left style_default color_primary align_left no_text\"><div class=\"w-iconbox-icon\" style=\"font-size:2rem;\"><i class=\"fas fa-briefcase\"><\/i><\/div><div class=\"w-iconbox-meta\"><h3 class=\"w-iconbox-title\">SMEs Finance<\/h3><\/div><\/div><div class=\"w-separator size_small\"><\/div><div class=\"w-html\">\n<table id=\"tablepress-9\" class=\"tablepress tablepress-id-9\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Product<\/th><th class=\"column-2\">Repayment Period in Years<\/th><th class=\"column-3\">Annual Percentage Rate<\/th><th class=\"column-4\">Administrative Fees<\/th><th class=\"column-5\">Minimum (or) maximum administrative fees<\/th><th class=\"column-6\">Fixed Annual Rate<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Murabaha - Tawarruq<\/td><td class=\"column-2\">From one to 60 months<\/td><td class=\"column-3\">From 15.75% to 28.04%<\/td><td class=\"column-4\">From 0% to 3%<\/td><td class=\"column-5\">A minimum of zero - a maximum of SAR 300 thousand<\/td><td class=\"column-6\">From 8% to 15%<br \/>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-9 from cache --><\/div><div class=\"w-iconbox iconpos_left style_default color_primary align_left no_title\"><div class=\"w-iconbox-icon\" style=\"font-size:2rem;\"><i class=\"fas fa-info-circle\"><\/i><\/div><div class=\"w-iconbox-meta\"><div class=\"w-iconbox-text\"><p>The above tables are mere examples, and the annual percentage rate (APR) may change according to the amount, repayment period, and credit score of each client<\/p>\n<\/div><\/div><\/div><div class=\"w-separator size_large\"><\/div><div class=\"w-iconbox us_custom_8d5aa4e2 iconpos_left style_default color_primary align_left no_text\"><div class=\"w-iconbox-icon\" style=\"font-size:2rem;\"><i class=\"fas fa-list\"><\/i><\/div><div class=\"w-iconbox-meta\"><h3 class=\"w-iconbox-title\">Fees and Commissions <\/h3><\/div><\/div><div class=\"g-cols wpb_row us_custom_62f661de via_grid cols_2 laptops-cols_inherit tablets-cols_2 mobiles-cols_1 valign_top type_default stacking_default\" style=\"grid-gap:28px;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-iconbox iconpos_left style_circle color_primary align_left\"><div class=\"w-iconbox-icon\" style=\"font-size:1.2rem;\"><i class=\"fas fa-user\"><\/i><\/div><div class=\"w-iconbox-meta\"><div class=\"w-iconbox-title\">Administrative fees for individuals<\/div><div class=\"w-iconbox-text\"><p>1% of the financing amount or 5,000 riyals, whichever is less.<\/p>\n<\/div><\/div><\/div><div class=\"w-separator size_medium\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"w-separator size_medium\"><\/div><\/div><\/div><\/div><div class=\"w-separator size_large\"><\/div><div class=\"w-iconbox us_custom_8d5aa4e2 iconpos_left style_default color_primary align_left no_text\"><div class=\"w-iconbox-icon\" style=\"font-size:2rem;\"><i class=\"fas fa-calculator\"><\/i><\/div><div class=\"w-iconbox-meta\"><h3 class=\"w-iconbox-title\">Calculator<\/h3><\/div><\/div><div class=\"g-cols wpb_row us_custom_62f661de via_grid cols_1 laptops-cols_inherit tablets-cols_1 mobiles-cols_1 valign_top type_default stacking_default\" style=\"grid-gap:28px;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column us_custom_eb849559\"><div class=\"wpb_wrapper\"><p>You can get an approximate estimate of your financing amount by filling out the following fields:<\/p>\n<\/div><\/div><div class=\"wpb_text_column us_custom_5259e4f1 has_text_color\"><div class=\"wpb_wrapper\"><p>**Note: All figures shown here are approximate.**<\/p>\n<\/div><\/div><div class=\"w-html us_custom_91802182\"><div class=\"calculator-container\">\n    <div class=\"calculator-header\">\n        <p class=\"text-muted\">\u0623\u062f\u062e\u0644 \u0628\u064a\u0627\u0646\u0627\u062a\u0643 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u062d\u0633\u0628\u0629 \u0627\u0644\u062a\u0642\u0631\u064a\u0628\u064a\u0629<\/p>\n    <\/div>\n\n    <form id=\"calculatorForm\">\n        <div class=\"input-group mb-3 mt-4\"> <!-- \u0625\u0636\u0627\u0641\u0629 \u0645\u0633\u0627\u0641\u0629 \u0623\u0639\u0644\u0649 -->\n            <input type=\"number\" class=\"form-control\" id=\"salary\" placeholder=\"\u0627\u0644\u0631\u0627\u062a\u0628 \u0627\u0644\u0634\u0647\u0631\u064a\" required>\n        <\/div>\n\n        <div class=\"input-group mb-3\">\n            <select class=\"form-control\" id=\"sector\" required>\n                <option value=\"\">\u0627\u062e\u062a\u0631 \u0627\u0644\u0642\u0637\u0627\u0639<\/option>\n                <option value=\"public\">\u062d\u0643\u0648\u0645\u064a<\/option>\n                <option value=\"private\">\u062e\u0627\u0635<\/option>\n                <option value=\"military\">\u0639\u0633\u0643\u0631\u064a<\/option>\n                <option value=\"retirement\">\u062a\u0642\u0627\u0639\u062f<\/option>\n            <\/select>\n        <\/div>\n\n        <div class=\"input-group mb-3\">\n            <input type=\"number\" class=\"form-control\" id=\"loanPeriod\" placeholder=\"\u0645\u062f\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 (\u0628\u0627\u0644\u0633\u0646\u0648\u0627\u062a)\" required>\n        <\/div>\n\n        <button type=\"submit\" class=\"btn btn-calculate\">\u0627\u062d\u0633\u0628 \u0627\u0644\u0622\u0646<\/button>\n    <\/form>\n\n    <div id=\"resultContainer\" class=\"result mt-3 d-none\"> <!-- \u0625\u062e\u0641\u0627\u0621 \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0641\u064a \u0627\u0644\u0628\u062f\u0627\u064a\u0629 -->\n        <h4 id=\"resultHeader\" class=\"result-header\" style=\"color: #437b68; font-weight: bold;\">\u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u062d\u0633\u0627\u0628:<\/h4> <!-- \u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0628\u0627\u0644\u0623\u062e\u0636\u0631 \u0648\u0628\u0648\u0644\u062f -->\n        <p id=\"netLoanAmount\"><\/p>\n        <p id=\"totalLoanAmount\"><\/p>\n        <p id=\"monthlyPayment\"><\/p>\n        <p id=\"errorMessage\" style=\"color:red;\"><\/p>\n    <\/div>\n<\/div>\n\n<style>\n    .calculator-container {\n        background-color: #f9f9f9;\n        padding: 30px;\n        border-radius: 15px;\n        box-shadow: 0 2px 10px rgba(0, 0, 0, 0.1);\n        margin: 0 auto;\n        direction: rtl; \/* \u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0627\u062a\u062c\u0627\u0647 \u0645\u0646 \u0627\u0644\u064a\u0645\u064a\u0646 \u0625\u0644\u0649 \u0627\u0644\u064a\u0633\u0627\u0631 *\/\n    }\n\n    .calculator-header {\n        text-align: center;\n        margin-bottom: 40px; \/* \u0625\u0636\u0627\u0641\u0629 \u0645\u0633\u0627\u0641\u0629 \u0628\u064a\u0646 \u0627\u0644\u0646\u0635 \u0648\u0627\u0644\u062e\u0627\u0646\u0629 *\/\n    }\n\n    .btn-calculate {\n        background: #e0a43c;\n        border: none;\n        width: 100%;\n        margin-top: 20px;\n        margin-bottom: 20px;\n    }\n\n    .input-group {\n        width: 100%;\n        margin-bottom: 15px; \/* \u0625\u0636\u0627\u0641\u0629 \u0645\u0633\u0627\u0641\u0629 \u0628\u064a\u0646 \u0627\u0644\u062e\u0627\u0646\u0627\u062a *\/\n    }\n\n    .result-header {\n        font-weight: bold;\n        color: #437b68; \/* \u0644\u0648\u0646 \u0623\u062e\u0636\u0631 *\/\n        display: none; \/* \u0625\u062e\u0641\u0627\u0621 \u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0627\u0641\u062a\u0631\u0627\u0636\u064a\u064b\u0627 *\/\n    }\n\n    .result {\n        text-align: center;\n        width: 100%;\n    }\n\n    @media (max-width: 768px) {\n        .calculator-container {\n            padding: 20px;\n            width: 100%; \/* \u0645\u0644\u0621 \u0627\u0644\u0639\u0631\u0636 \u0639\u0644\u0649 \u0627\u0644\u062c\u0648\u0627\u0644 *\/\n        }\n\n        .input-group {\n            margin-bottom: 20px; \/* \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0645\u0633\u0627\u0641\u0629 \u0628\u064a\u0646 \u0627\u0644\u062e\u0627\u0646\u0627\u062a \u0639\u0644\u0649 \u0627\u0644\u062c\u0648\u0627\u0644 *\/\n        }\n    }\n<\/style>\n\n<script src=\"https:\/\/code.jquery.com\/jquery-3.6.0.min.js\"><\/script>\n<script>\n    $(document).ready(function() {\n        $('#calculatorForm').on('submit', function(e) {\n            e.preventDefault();\n\n            const salary = parseFloat($('#salary').val());\n            const sector = $('#sector').val();\n            const loanPeriod = parseInt($('#loanPeriod').val());\n\n            \/\/ \u062a\u062d\u0642\u0642 \u0645\u0646 \u0623\u0646 \u0645\u062f\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0644\u0627 \u062a\u062a\u062c\u0627\u0648\u0632 5 \u0633\u0646\u0648\u0627\u062a\n            if (loanPeriod > 5 || loanPeriod < 1) {\n                $('#errorMessage').text('\u0645\u062f\u0629 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0645\u0646 1 \u0625\u0644\u0649 5 \u0633\u0646\u0648\u0627\u062a \u0641\u0642\u0637.');\n                $('#resultContainer').removeClass('d-none');\n                $('#resultHeader').hide(); \/\/ \u0625\u062e\u0641\u0627\u0621 \u0627\u0644\u0639\u0646\u0648\u0627\u0646 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0647\u0646\u0627\u0643 \u062e\u0637\u0623\n                return;\n            } else {\n                $('#errorMessage').text('');\n            }\n\n            let profitRate;\n            let minimumSalary;\n\n            \/\/ \u062a\u062d\u062f\u064a\u062f \u0646\u0633\u0628\u0629 \u0627\u0644\u0631\u0628\u062d \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0627\u0644\u0642\u0637\u0627\u0639\n            if (sector === 'public') {\n                minimumSalary = 5000;\n                if (salary >= 5000 && salary <= 11999) {\n                    profitRate = 0.16;\n                } else if (salary >= 12000) {\n                    profitRate = 0.14;\n                }\n            } else if (sector === 'private') {\n                minimumSalary = 5000;\n                if (salary >= 5000 && salary <= 6999) {\n                    profitRate = 0.18;\n                } else if (salary >= 7000 && salary <= 11999) {\n                    profitRate = 0.17;\n                } else if (salary >= 12000) {\n                    profitRate = 0.14;\n                }\n            } else if (sector === 'military') {\n                minimumSalary = 8000;\n                if (salary >= 8000 && salary <= 11999) {\n                    profitRate = 0.16;\n                } else if (salary >= 12000) {\n                    profitRate = 0.14;\n                }\n            } else if (sector === 'retirement') {\n                minimumSalary = 5000;\n                if (salary >= 5000) {\n                    profitRate = 0.08;\n                }\n            }\n\n            \/\/ \u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0631\u0627\u062a\u0628\n            if (salary < minimumSalary) {\n                $('#errorMessage').text(`\u0627\u0644\u062d\u062f \u0627\u0644\u0623\u062f\u0646\u0649 \u0644\u0644\u0631\u0627\u062a\u0628 \u0641\u064a \u0627\u0644\u0642\u0637\u0627\u0639 ${sector === 'military' ? '\u0627\u0644\u0639\u0633\u0643\u0631\u064a' : sector === 'public' ? '\u0627\u0644\u062d\u0643\u0648\u0645\u064a' : sector === 'private' ? 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Last update: 7\/May\/2025 Individual FinanceSMEs FinanceFees and CommissionsCalculatorIndividual Finance Finance AmountRepayment Period in YearsAnnual Percentage RateMonthly Installment AmountAdministrative FeesFixed Annual RateFinance Period in Months Finance without a guarantor (civil public sector only) 100,000526.75%2,833.331%14%60 Finance with a guarantor (civil public sector)...","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4695","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Prices of Finance and Saving Products - \u0623\u0635\u0648\u0644 \u0627\u0644\u062d\u062f\u064a\u062b\u0629 \u0644\u0644\u062a\u0645\u0648\u064a\u0644<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/osoulmodern.com\/prices-of-financing-and-savings-products\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prices of Finance and Saving Products - 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