رأيك يهمنا.. كيف تقيم الواجهه الجديدة لموقع بنك البلاد
رأيك يهمنا.. كيف تقيم الواجهه الجديدة لموقع بنك البلاد
رأيك يهمنا.. كيف تقيم الواجهه الجديدة لموقع بنك البلاد
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Albilad Phone 920001002 عربي Careers

Top Up Financing


Top Up Financing:

It is a financing service aimed at providing the client to buy local shares in installments based on what has been paid for the period from the previous  contracts and begin repayment after you complete the payment of existing  loan  in the event of no change in salary.  if the salary changes the monthly installment will be the remainder of the proportion of the monthly deduction list of  existing contracts which shall not exceed the proportion of 33.33% of the client’s salary, taking into consideration the outstanding period of the previous contract, and requires absence of debt or past due installment that has not been paid when submitting the request for this service.


Top Up financing mechanism:

  • The Bank finances the purchase of local shares that the customer has chosen.
  • The selected stocks are placed in an investment portfolio owned by the Bank.
  • The Bank sell the shares of this portfolio to the customer with the original  price plus a margin profit.
  • Purchased shares transfers to the customer’s portfolio.
  • The client later to repay the value of the shares of the bank in the form of monthly installments in accordance with the contract between him and the bank's conditions.


Top Up financing advantages:

  • ​This is a Sharia-compliant financing service certified by the Bank's Sharia Board. The Bank profit is determined in advance. It does not include any increase not agreed upon even for past due payments. Shares are bought only after they have been endorsed by the Bank's Sharia Board.
  • The possibility of buying shares of any company on the list approved by the ShariahCommittee and the specifiedstocks by the bank.
  • fast completion of all financing request procedures
  • The possibility of non-Saudi customer financing 
  • Financing for up to five years. 
  • Allow advance payments   according to SAMA regulations
  • The possibility of paying in installments that is proportionate with the customer's monthly income
  • guarantor is not required to obtain funding
  • retirees are welcomed to apply for a finance.



Soft terms:

  • ​No past due installments  when submitting the application for top-up funding
  • The customer should be at least 18 years old.
  • the customer  should have a checking account with bank Albila
  • the  customer should have a financing or more existing in the bank that is being paid regularly.
  • the customer should be on the job in one of the approved organizations with the bank in the public or private sector
  • the customer's monthly salary should be at least  3,000 SAR for Saudis and 3,500 for non-Saudis in government sectors or based on the employer classification.
  • regular monthly salary transfers of the customer to his current account in bank Albilad through “Sarie”. 



Required Documents:

To ensure the completion of your application quickly and easily Please be sure to provide the following documents when submitting your application:
  • Proof of valid identity of the client 
  • Copy of the ID for military employees,
  • Fill out "buy in installments" request form.
  • A salary certificate letter from the customer's employer indicating: monthly salary (base and allowances), job description, date of employment and the date of contract completion.
  • A salary transfer letter if the existing one is expired 

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