Dashen Luxury · For business owners

Property for business owners — backed by a financing study.

Whether you need a home as a self-employed owner, an office or showroom, staff housing, or a place to invest your profits, we start with the numbers so there are no surprises later.

Updated October 2026
Talk to an advisor on WhatsAppRequest a financing study
SAR 1,320Grade A office rent in Jeddah, per m² per year (vacancy ~6%)Q1 2026
SAR 960Grade B office rent in Jeddah, per m² per yearQ1 2026
15%VAT on commercial rent (residential rent is exempt)ZATCA
60 daysNotice needed to stop a lease renewing automaticallyRental rules, Sep 2025
SAR 7MBusiness investment for the Investor Premium ResidencyPremium Residency

What we help with

Five common needs of business owners

Each one has different rules, costs and financing options. We look at your whole picture — business and family — before recommending anything.

For you

A home as a self-employed owner

Banks assess business owners differently from salaried employees. We prepare your file so the bank sees stable, documented income.

For the business

Office, showroom or shop

Lease or buy? We compare the full cost of both, including VAT, service charges, fit-out and financing.

For your team

Staff housing

Companies can own or lease housing for employees. We find buildings and compounds that fit your headcount and budget.

For your profits

Investing surplus cash

Income-producing apartments or commercial units in Jeddah, analysed with realistic net yields — not just headline numbers.

For your structure

Owning through a company

Should the property be in your name or your company’s? Ownership, tax and exit costs differ — we walk you through the options with your advisors.

Not sure where to start?

Send us your goal and budget. We reply with a first view of what is realistic.

Start on WhatsApp

The financing study

What we check before you commit

Our study removes surprises: you see the cash you need, the monthly cost and the risks before signing anything.

What banks usually ask business owners for

  • Valid commercial registration, often with at least 1–2 years of operating history
  • Business bank statements showing steady cash flow
  • Financial statements and up-to-date zakat/tax filings
  • A clean personal and company credit record (SIMAH)
  • A down payment — usually higher for non-Saudis (around 30%)

What our study includes

  • Total cash needed: down payment, 5% transaction tax, brokerage (max 2.5%)
  • Monthly and yearly cost compared with leasing
  • For commercial space: VAT, service charges (often 15–25% of rent) and fit-out
  • What happens if rates rise or income drops
  • Exit options: resale, leasing out, or transfer to a company
  • For non-Saudi owners in Jeddah: a 2% REGA fee when the property is later sold (0% when moved into your own wholly-owned Saudi company)

Calculator

Lease or buy your business space?

A first comparison of yearly cost. Buying also builds an asset; leasing keeps your cash free. Use it as a starting point for the full study.

Leasing: rent + service charges + 15% VAT (per year)
Buying: cash upfront (down payment + 5% tax + 2.5% brokerage)
Buying: finance payments (per year)
Yearly difference (buy minus lease)
Excludes maintenance, insurance, fit-out, valuation and bank fees, and any VAT recovery your business may be entitled to. Estimate only — not financial or tax advice.

Leasing in Jeddah

The commercial market right now

Jeddah’s Grade A office rents eased about 3.8% over the year to Q1 2026, while Grade B rose about 2.5% — a market where well-prepared tenants can negotiate.

Where businesses look

Corniche / Al-Shati, Al-Hamra, King Road, Prince Sultan Road / Al-Andalus and Al-Rawdah — demand is concentrating in the western prime districts.

What you can negotiate

Rent-free fit-out period, landlord fit-out contribution, service-charge caps, yearly increases and break clauses.

Timing

A shell-and-core office can take around 18 weeks from brief to move-in; ready-fitted or serviced space can take days to weeks.

Register on Ejar

Commercial leases are registered on Ejar too. A registered, attested lease is needed for many business licences and services.

Automatic renewal

Since September 2025, leases renew automatically unless either side gives notice at least 60 days before expiry. Diarise your dates.

VAT on rent

Commercial rent carries 15% VAT. If your business is VAT-registered, you may be able to recover it — check with your accountant.

Companies & foreign owners

Owning property through a business

Saudi companies

Wholly Saudi-owned

Can own property for business, staff housing or investment, like Saudi individuals.

Saudi companies with foreign partners

Mixed ownership

Under the 2026 rules, unlisted companies with foreign owners may own outside the designated zones for business use or staff housing, with prior Ministry of Investment approval (not in Makkah and Madinah). Inside the zones, no prior approval is needed.

Foreign companies

No presence in the Kingdom

Register with the Ministry of Investment and disclose direct and indirect owners, appoint a legal representative with a valid Saudi ID and open a Saudi bank account in the company’s name. They can own inside the designated zones. Ownership changes of 5% or more must be reported within 15 days.

Residency for business people

Premium Residency routes

For non-Saudi business owners, Premium Residency gives the freedom to live, own and do business without a sponsor.

Investor

Invest at least SAR 7 million in economic activity in the Kingdom. Leads to permanent residency.

Entrepreneur

A start-up backed by an accredited investor (from SAR 400,000, with at least a 20% stake), for a renewable 5-year term. A larger track (SAR 15M+, job creation) leads to permanent residency.

Real estate owner

Own a mortgage-free residential property worth SAR 4 million or more, valued by an accredited valuer. Valid while you keep the property.

Premium Residency conditions and fees can change. We confirm the current requirements on the official platform before you plan around them.

Step by step

How we work with business owners

Brief

Your goal, timing, budget and who will own the property — you or your company.

Financing study

Cash needed, monthly cost, lease vs buy, and the bank documents you will need.

Shortlist

Properties that match your use, location and budget, with comparables.

Due diligence

Title deed, permits and licences, building condition and, for leases, the full contract terms.

Negotiate & sign

We negotiate price or lease terms, then complete the contract, Ejar registration or deed transfer.

After the deal

Handover, tenant management for investments, and renewal reminders for leases.

Get your financing study

Share your goal and rough budget — we will come back with a clear first analysis.

WhatsApp +966 50 311 6665