A Complete Guide to Real Estate Transfer in Saudi Arabia
When purchasing a property, the first question that naturally arises is how to ensure ownership is transferred securely and legally.
This is where Real Estate Transfer (Title Deed Transfer) in Saudi Arabia plays a vital role, transforming agreements into officially registered ownership under the supervision of the Ministry of Justice.
In this guide by Habitare Real Estate, we provide a comprehensive overview of real estate transfer procedures, covering types, conditions, fees, and step by step processes to help you complete your transaction with confidence.
Concept of Real Estate Transfer (Ifragh)
Real estate transfer, commonly referred to as Ifragh, is a legal procedure through which property ownership is transferred from one party to another under the authority of the Saudi Ministry of Justice.
This process ensures the highest levels of transparency, legal certainty, and protection for all parties involved.
The service aligns with Vision 2030 by allowing transactions to be completed digitally through the Najiz platform or via licensed notaries, eliminating the need to visit notary offices in many cases.
Types of Real Estate Transfer in Saudi Arabia
There are two primary methods of completing a real estate transfer in Saudi Arabia, each designed to meet different needs.
1- Electronic Real Estate Transfer via Najiz
This fully digital service is available 24/7 through the Najiz portal, without requiring the presence of a notary or legal representative.
The system automatically verifies bank accounts, confirms payment of the Real Estate Transaction Tax, and ensures all conditions are met before completing the transfer, offering a secure and transparent experience.
2- Real Estate Transfer Through a Licensed Notary
This option is completed through licensed notaries approved by the Ministry of Justice and can be arranged at any location and time using the Muwathiq platform or mobile application.
It is particularly suitable for complex transactions or for clients who prefer direct legal assistance during the process.
Conditions for Real Estate Transfer in Saudi Arabia
Conditions vary depending on the method selected.
Conditions for Electronic Transfer via Najiz
- The title deed must comply with system requirements.
- The property value must not exceed SAR 20 million.
- Real Estate Transaction Tax must be paid in advance.
- Both buyer and seller must have active bank accounts.
Conditions for Transfer Through a Notary
- A valid power of attorney is required if a representative is acting on behalf of either party.
- For high value transactions, certified cheques or verified bank transfers must be provided.
- The property area must not exceed 10,000 square meters within the notary’s jurisdiction.
Steps to Complete a Real Estate Transfer
The process differs depending on the selected method.
Steps for Real Estate Transfer via Najiz
Stage One: Seller Initiates the Request
The seller logs into Najiz and selects the title deed.
Buyer details, transaction value, and IBAN are entered.
The Real Estate Transaction Tax reference number is submitted.
The request is reviewed and approved.
Stage Two: Buyer Approval
The buyer accesses the request via Najiz.
The transaction is approved and banking details are confirmed.
Stage Three: Escrow Account Creation
An intermediary account is created for the transaction.
Both parties receive the account details.
The buyer transfers the amount within ten business days.
Stage Four: Automated Completion
The system verifies compliance.
Ownership is transferred electronically.
Funds are released to the seller.
All parties and relevant authorities are notified.
Steps for Real Estate Transfer Through a Notary
- Log in to the Muwathiq application.
- Verify identity via mobile authentication.
- Select a new notarization request and choose real estate transfer.
- Select the city and service location.
- Confirm the request and coordinate with the notary.
- Receive confirmation once the process is completed.
Fees for Real Estate Transfer
In line with Saudi investment regulations, real estate transfer through the Najiz platform is provided at no cost.
Transfers conducted through licensed notaries involve service fees agreed upon directly with the notary, reflecting the personalized legal assistance provided.
Conclusion
Understanding Real Estate Transfer (Title Deed Transfer) in Saudi Arabia, including its types, conditions, procedures, and costs, is essential for completing property transactions securely and efficiently.
At Habitare Real Estate, we act as your trusted partner throughout the ownership journey, ensuring every step complies with Saudi regulations while protecting your investment.
If you require assistance with real estate transfer or any property related service, contact Habitare Real Estate today and experience a seamless, fully compliant ownership transfer.
Edited by: Habitare Real Estate ©
Sources:
Frequently Asked Questions
Can a real estate transfer be completed electronically without visiting the Notary Public?
Yes, real estate transfers can be completed electronically through the Najiz platform without visiting a notary.
Are all real estate transfers subject to the Real Estate Transaction Tax?
Yes, payment of the Real Estate Transaction Tax is a mandatory requirement for completing a real estate transfer.
