MULKIYA · GUIDES
Buying Property in Saudi Arabia as an Indonesian Citizen
Yes. Indonesians may buy in Saudi Arabia's 100+ designated zones without residency, and as Muslims may own directly in the Makkah and Madinah zones.
Your buyer class
An Indonesian citizen living in Indonesia is a non-resident foreign individual. Under Royal Decree M/14, in force since 22-01-2026, that class may own property inside the designated zones only. Council of Ministers Decision 43 of 23-06-2026 endorsed more than 100 such zones kingdom-wide, across Riyadh, Jeddah, Makkah, Madinah and beyond. One point matters more for Indonesians than for most buyers: as Muslims, they may also own directly in the designated zones of the two holy cities, from abroad, without moving.
Three prerequisites before you can buy
Implementing Regulations Article 2 sets three prerequisites for a non-resident individual. First, a digital identity issued or approved by the Ministry of Interior, which non-residents obtain through a Saudi embassy, for Indonesians the embassy in Jakarta. Second, a Saudi bank account in your own name. Third, a Saudi mobile number in your name, linked to the digital identity. Registration of the purchase in the official real estate registry is a validity condition, not a formality after the fact.
Cash first, and the real costs
Do not plan around a mortgage. Bank lending is structurally closed to non-residents today: Saudi banks have no identity field for a borrower who is not in their system, so a cash purchase is the correct framing. At purchase, the real estate transaction tax is 5% of value, legally the seller's liability but commonly priced into the deal. A broker's commission, only if you engage one, is capped at 2.5% plus VAT on the commission. On exit, add the 2% disposal fee, but only in Riyadh, Jeddah, Makkah and Madinah.
Where Indonesian buyers look, honestly framed
For many Indonesian buyers the draw is Makkah and Madinah, where ownership pairs with umrah travel, alongside the Riyadh and Jeddah zones. Frame the market honestly. The official residential price index fell year on year into 2026: this is a cooling market, not a boom, and that favours patient cash buyers. Gross rental yields sit at roughly 7-9% in licensed yield data, a band rather than a promise. Confirm any specific parcel against the official Saudi register of designated zones before you price it.
How Mulkiya fits into the purchase
Mulkiya is a gated marketplace, not a broker and not a seller. It takes no commission and no success fee. Eligibility is decided by a deterministic rules engine that applies the law to your answers and cites the relevant line, never by an AI's judgement. Inside the marketplace, developer deals come direct from the seller, and licensed Saudi partners execute the regulated acts. The honest first step costs you a minute: answer the five-question check and see, cited to the law, which of the designated zones are open to you as an Indonesian buyer.
Do Indonesians need Saudi residency to buy property?
No. Non-resident foreigners may own inside the designated zones. Residency changes what you can buy, not whether you can buy: a resident gains a one-home carve-out outside the zones, subject to approval.
Can an Indonesian buy an apartment in Makkah?
Yes. Muslim individuals, including non-residents, may own directly in the designated zones of Makkah and Madinah. Foreign companies may not.
Can I finance the purchase from Indonesia?
Plan on cash. Bank lending is structurally closed to non-residents in the Kingdom today, and cross-border collateral is not a substitute. The purchase is settled through Saudi banking channels once your account exists.
What taxes does an Indonesian buyer pay?
Five percent transaction tax at purchase, legally the seller's liability but commonly priced in, brokerage of up to 2.5% plus VAT on the commission only if a broker is engaged, and on exit the 5% tax returns with you as transferor, plus a 2% disposal fee only in Riyadh, Jeddah, Makkah and Madinah.