You want to work as a real estate broker in Riyadh. Which body issues the FAL licence you need before you can broker any deal?

1. The Ministry of Commerce
2. The Real Estate General Authority (REGA)
3. The Ministry of Justice (Najiz)
4. The Saudi Central Bank (SAMA)

Your brokerage contract with a seller in Jeddah says nothing about the commission rate. What does the Real Estate Brokerage Law set by default on a sale?

1. 2% of the sale price
2. 5% of the sale price
3. 1% of the sale price
4. 2.5% of the sale price

You find a tenant for a 3 year lease of a villa in Riyadh. Unless agreed otherwise in writing, what is your legal commission based on?

1. 2.5% of the first year's rent only
2. 2.5% of the total rent for all 3 years
3. One month's rent
4. 5% of the first year's rent

A landlord signed a brokerage contract with you to find a tenant. The tenant never signed anything with you. Who pays your commission under the law?

1. The tenant, because they benefit from the unit
2. Landlord and tenant, half each
3. The landlord, as the party that contracted you
4. Nobody, because commission is only due on sales

A seller agrees verbally to let you market his apartment and promises you a commission. What does the law require for the brokerage contract to be enforceable?

1. A WhatsApp message confirming the deal is enough
2. It must be written and deposited with REGA on the electronic platform
3. It must be notarised at the Ministry of Justice
4. It must be registered on Ejar within 30 days

A brokerage contract was signed and deposited but the parties forgot to write an end date. How long does it run?

1. 30 days
2. One year
3. Until the property is sold
4. 90 days from signing

A buyer asks why the seller's title in a Riyadh district already covered by the National Real Estate Registry (RER) is considered so safe. What is the best answer?

1. Entries in the registry are conclusive evidence of ownership, and each unit has its own record and number
2. The Ministry of Justice reprints the paper deed every year
3. The registry only lists mortgages, not owners
4. Registration is optional, so the paper deed still decides

A buyer wants to show commitment and offers a 10% down payment (arboon) on a villa. What does the brokerage law say?

1. Down payments are forbidden in Saudi Arabia
2. The broker may keep it as a guarantee for the commission
3. The down payment is capped at 5% of the deal, and anything above counts as an advance payment
4. Any amount is fine if the buyer signs

A buyer walks away from a deal for his own reasons and the seller becomes entitled to keep the down payment. Your brokerage contract is silent on this case. What are you entitled to?

1. Nothing, because the sale did not close
2. 25% of the down payment
3. The full 2.5% commission on the price
4. 50% of the down payment

You want to post a listing for a Jeddah apartment on Instagram and on a property portal. What do you need from REGA first?

1. A real estate advertising licence for that ad, which carries no licence fee
2. Nothing, social media is not covered by the law
3. One advertising licence per year, costing SAR 5,000
4. A permit from the Ministry of Media

What is the highest fine the Real Estate Brokerage Law allows for a single violation, before any doubling for a repeat?

1. SAR 50,000
2. SAR 1,000,000
3. SAR 200,000
4. SAR 10,000

According to the brokerage implementing regulations, how long is a REGA licence valid once issued?

1. For life, with no renewal
2. Three years, renewable once
3. Six months
4. One year, which may be extended for a period of up to five years

An agency in Dammam applies for an establishment FAL licence for brokerage and marketing. Which set of conditions does REGA list?

1. A licence from the Saudi Council of Engineers and a bank guarantee
2. A commercial registration with activity 682010, and a manager who completed the brokerage, marketing and e-marketing courses
3. Ten licensed brokers on staff and an office in a mall
4. A SAMA approval and SAR 1 million in paid up capital

A non-Saudi broker with ten years of experience in Dubai wants to be hired as a property sales and rental broker by a Riyadh agency. What does the Saudization decision say about this job?

1. It is 100% reserved for Saudi nationals
2. It is open to anyone with a FAL licence
3. Expats can hold it if the agency is 70% Saudi
4. Expats can hold it for their first two years

A landlord asks why you insist on the unified Ejar lease rather than his own lawyer's contract. What is the strongest legal reason?

1. Ejar contracts are cheaper to print
2. Only Ejar contracts allow a rent paid in cash
3. A unified Ejar contract is an enforcement instrument that can go straight to the execution court, and unregistered leases have no judicial effect
4. Ejar automatically adds 15% VAT, which protects the landlord

A landlord in Riyadh wants to raise the rent of his existing tenant by 8% at renewal in 2026. What do you tell him?

1. Fine, up to 10% a year is allowed
2. Not possible: increases are suspended for five years in Riyadh from 25 September 2025, for residential and commercial leases
3. Only allowed if the tenant agrees by WhatsApp
4. The freeze applies only to commercial leases

Under the Riyadh rent rules of September 2025, a flat that was rented before is now vacant. How is the rent for the next tenant set?

1. Freely agreed between the landlord and the new tenant
2. By REGA's average rent for the district
3. At the last registered Ejar rent for that unit
4. At the last rent plus 5%

What tax applies to the sale of a ready apartment in Riyadh?

1. VAT at 15% of the price
2. Real Estate Transaction Tax (RETT) at 5% of the value, with no VAT on the sale
3. RETT at 2.5% plus VAT at 15%
4. No tax at all on property sales

Who is liable to pay the 5% RETT when a property is sold, if the contract says nothing?

1. The seller (the disposer), though the contract can shift the cost to the buyer
2. Always the buyer, by law
3. The broker, out of the commission
4. Seller and buyer, half each by law

A young Saudi couple is buying their first home for SAR 900,000 and holds the Ministry of Housing first home certificate. What happens with RETT?

1. They get a 50% discount on RETT
2. RETT is waived only for off-plan homes
3. They pay the full SAR 45,000 and claim it back later
4. The state bears the RETT, since the price is within the SAR 1,000,000 limit

Under the non-Saudi ownership law in force since January 2026, where can a foreign national legally resident in Riyadh buy a home for himself?

1. Anywhere in the Kingdom, with no limit
2. Nowhere, only GCC nationals can own
3. Inside the designated zones, plus one residential property for personal use outside them (not in Makkah or Madinah)
4. Only in NEOM and the Red Sea projects

A non-Saudi investor asks to buy an apartment in a designated zone of Makkah. What condition applies to individual buyers there?

1. They must be Muslim
2. They must hold Premium Residency for five years
3. They must be GCC nationals
4. They must buy through a Saudi spouse

Under the implementing regulations approved in June 2026, what fee does REGA charge on a disposal by a non-Saudi in Riyadh, on top of RETT?

1. 10% of the value
2. 5% of the value in every city
3. 2% of the value in Riyadh, Jeddah, Makkah and Madinah, and 0% outside these four cities
4. No fee, only RETT

A buyer insists on paying a large part of the price in cash and refuses to explain where it comes from. You suspect money laundering. What must you do?

1. Tell the buyer you are reporting him so he can explain
2. Report it immediately to the General Directorate of Financial Intelligence, without warning the client
3. Just refuse the cash and continue with a bank transfer
4. Ask the seller to decide

Under REGA's AML guide for brokers, how long must you keep client due diligence and transaction records?

1. At least 2 years
2. At least 5 years
3. Until the title deed is issued
4. At least 10 years from the end of the relationship or transaction

How many administrative regions (provinces) does Saudi Arabia have?

1. 11
2. 13
3. 15
4. 9

Which city is the administrative capital of the Eastern Province?

1. Al Khobar
2. Dhahran
3. Dammam
4. Jubail

Which Saudi region is the largest by area, at roughly 540,000 square kilometres?

1. Riyadh Region
2. Eastern Province
3. Makkah Region
4. Al Jawf Region

According to the 2022 census, which region had the largest population (about 8.6 million residents)?

1. Makkah Region
2. Eastern Province
3. Madinah Region
4. Riyadh Region

A client is relocating to work at Saudi Aramco's headquarters. In which city is that headquarters?

1. Dammam
2. Jubail
3. Dhahran
4. Ras Tanura

The King Fahd Causeway, about 25 km long, starts on the Al Khobar coast. Which country does it connect to?

1. Qatar
2. Bahrain
3. Kuwait
4. United Arab Emirates

Which description matches the Riyadh Metro network that opened between December 2024 and January 2025?

1. 3 lines, 90 km, 40 stations
2. 4 lines, 120 km, 60 stations
3. 6 lines, about 176 km, 85 stations
4. 8 lines, about 250 km, 120 stations

A tenant works at KAFD and flies almost every week. Which Riyadh Metro line runs directly between KAFD and King Khalid International Airport?

1. Blue Line (Line 1)
2. Yellow Line (Line 4)
3. Orange Line (Line 3)
4. Green Line (Line 5)

Which Riyadh Metro line follows the Olaya to Batha corridor and was the busiest line in the network's first nine months (46.5 million riders)?

1. Red Line
2. Orange Line
3. Purple Line
4. Blue Line

KAFD station is a major interchange. Which Riyadh Metro lines meet there?

1. Lines 1 (Blue), 4 (Yellow) and 6 (Purple)
2. Lines 2 (Red) and 3 (Orange) only
3. Lines 1 (Blue) and 5 (Green) only
4. Lines 3 (Orange), 5 (Green) and 6 (Purple)

How quickly did the Riyadh Metro reach 100 million passengers after its December 2024 launch?

1. In less than nine months
2. In about two years
3. In about three years
4. It had not reached that level by mid-2026

Boulevard City, a flagship Riyadh Season venue with theatres, restaurants and a musical fountain, is in which north Riyadh district?

1. Al Malaz
2. Hittin
3. Al Olaya
4. Al Naseem

A senior diplomat with children wants a secure, green, international community in Riyadh with a British school campus nearby, and the budget is very high. Which area fits best?

1. Al Batha
2. Al Olaya
3. Diplomatic Quarter
4. Al Naseem

A single professional working in central Riyadh offices wants an apartment, a short commute and walkable access to malls, hospitals and restaurants. Which district should you show first?

1. Al Olaya
2. Al Narjis
3. Al Arid
4. Al Rimal

A young couple wants newer buildings, modern layouts and a lively cafe scene in north Riyadh, at a mid to high budget. Which district matches that profile?

1. Al Batha
2. Al Malqa
3. Al Shumaisi
4. Al Diriyah Al Jadidah

In which year was Historic Jeddah (Al-Balad) inscribed on the UNESCO World Heritage List?

1. 2008
2. 2019
3. 2014
4. 2022

A Jeddah client wants waterfront living close to the Corniche. Which neighbourhood is the natural first suggestion?

1. Al Aziziyah
2. Al Safa
3. Al Shati (Ash Shati)
4. Al Rawdah

An expat family in Jeddah asks for resort-style homes near marinas and the sea, and does not mind being far north of the centre. Where do you look?

1. Al Balad
2. Al Rawdah
3. Al Aziziyah
4. North Obhur (Obhur Al Shamaliyah)

Which Jeddah neighbourhood is usually described as classic and diplomatic, a long-established address for refined living?

1. Al Hamra
2. North Obhur
3. Al Aziziyah
4. Al Balad

The Haramain High Speed Railway (about 450 km) has passenger stations in four cities. Which of these is NOT on the line?

1. Jeddah
2. Taif
3. King Abdullah Economic City (Rabigh)
4. Madinah

Founding Day (22 February) marks 1727, when Muhammad bin Saud became ruler of the first Saudi state. Where was its seat, today a major development on Riyadh's north-west edge?

1. Al Kharj
2. Diriyah
3. Al Ula
4. Buraydah

Rua Al Madinah, a PIF-owned project of about 1.5 million square metres planned to add over 47,000 hotel rooms by 2030, is located where?

1. East of the Prophet's Mosque in Madinah
2. Next to the Grand Mosque in Makkah
3. On the Jeddah waterfront
4. In King Abdullah Economic City

Jeddah Tower, planned to exceed 1,000 metres, is the centrepiece of which development?

1. Jeddah Central
2. Jeddah Economic City
3. Al Balad rejuvenation
4. Obhur Marina

King Salman Park, planned as one of the world's largest urban parks (around 16 square kilometres), is being built on which site?

1. The former Riyadh Air Base (old Riyadh airport)
2. Reclaimed land in Wadi Hanifa
3. The old Batha market district
4. Former farmland in Al Kharj

Which description matches the King Salman International Airport masterplan for Riyadh unveiled in 2022?

1. A new airport in Diriyah that will replace King Khalid airport entirely
2. About 57 square kilometres with six parallel runways, absorbing the existing King Khalid terminals
3. A small business-jet airport next to KAFD
4. A second airport in Al Kharj for cargo only

A small developer in Riyadh asks you to start selling apartments in a building that has not started yet. What must the project have before anyone can sell or collect money from buyers?

1. A building permit from the municipality only
2. A licence under the off-plan sale and lease law, issued through the Wafi program
3. An Ejar registration of each unit
4. A bank loan approval

Your buyer asks where his instalments go when he buys a licensed off-plan unit. What do you answer?

1. Into the developer's main company account
2. To the broker, who passes them on at handover
3. Into a dedicated escrow account at a bank, one account per project
4. To REGA, which pays the contractor

How are instalments on a Wafi licensed off-plan project generally structured for the buyer?

1. 100% upfront at booking
2. Linked to the actual construction phases of the project
3. Fixed monthly payments unrelated to progress
4. All at handover, nothing before

A Saudi family wants to buy a home still under construction with state support. Which Sakani option fits them?

1. The self-build option
2. The residential land option
3. The under-construction option, with a subsidised mortgage
4. Sakani only helps with ready homes

During the marketing licence period, before the full project licence, a developer may take reservation fees. What is the cap?

1. 10% of the unit value
2. 20% of the unit value
3. SAR 50,000 per unit
4. 5% of the unit value

How long can an off-plan marketing licence last before it must be renewed?

1. Up to 180 days
2. Up to 30 days
3. Up to 3 years
4. Until handover

A developer wants to withdraw money from a project's escrow account to pay the contractor. Who must approve the payment order besides the developer?

1. Only the bank manager
2. The project's consulting engineering firm and the certified public accountant
3. The buyers' committee by majority vote
4. The broker who sold the most units

A buyer worries that the developer's bank could seize the project money if the developer gets into debt. What protection does the off-plan law give?

1. None, the bank always has priority
2. Buyers must buy private insurance
3. REGA guarantees every unit price
4. Escrow funds are reserved for the licensed project and cannot be seized by the developer's creditors

An off-plan apartment is delivered late. What minimum compensation do the implementing regulations require for a delayed unit?

1. At least the fair market rent of the unit, set by an approved valuer
2. 1% of the price, one time
3. Nothing, unless written in a side letter
4. A free parking space

Work on a licensed project has stopped for 7 months with no reason accepted by REGA. What is the legal situation?

1. Nothing happens until the original handover date
2. Buyers must restart payments to help the developer
3. It counts as a developer default, and the standard contract lets REGA appoint an alternative developer
4. The bank becomes the owner of the units

A developer sends you renders and asks you to run Snapchat ads this week for a Jeddah tower. Which check comes first?

1. That the renders are high resolution
2. That the project holds a valid off-plan marketing or project licence, and that you get an advertising licence for the ad
3. That the developer has an Instagram account
4. That the price is below the district average

What is the cap on escrow money a developer can use for administrative, marketing and other non-construction expenses?

1. 5% of construction cost
2. 50% of collected payments
3. 20% of the value of units sold
4. No cap, as long as the accountant agrees

After the completion certificate is issued, what amount stays in escrow to cover hidden defects, and for how long?

1. 10% of the sale prices, for five years
2. 5% of the total construction cost, for one year after completion (or until a hidden defects insurance policy is provided)
3. 2% of the sale prices, until the last unit is sold
4. Nothing, escrow is closed at completion

What is the maximum criminal penalty for selling off-plan units or collecting buyers' money without a licence?

1. A warning and a SAR 10,000 fine
2. Licence suspension for six months
3. A fine of up to SAR 200,000
4. Up to five years in prison, a fine of up to SAR 10 million, or both

In September 2026 ROSHN opened its communities to eligible non-Saudi buyers. A non-Muslim expat wants a unit in ALMANAR. What do you tell him?

1. He cannot buy there: ALMANAR is in Makkah, where non-Saudi individual ownership is limited to Muslims
2. No problem, ROSHN communities are exempt from the rules
3. He can buy if he pays the 2% non-Saudi fee twice
4. He can buy if he holds a resident permit

On which date did the new Law of Real Estate Ownership by Non-Saudis enter into force, according to REGA?

1. 1 January 2025
2. 22 January 2026
3. 25 July 2025
4. 1 October 2026

Under the 2026 non-Saudi ownership system, who may own property in Makkah and Madinah?

1. Any foreign individual or company, without conditions
2. Only GCC companies
3. Muslim individuals (inside or outside the Kingdom) and Saudi companies, within the designated zones
4. Nobody except Saudi citizens

The law allows REGA to charge non-Saudi buyers a fee of up to 5%. What rate did the July 2026 implementing regulations set inside the geographic zones of Riyadh, Jeddah, Makkah and Madinah?

1. 0%
2. 1%
3. 5%
4. 2%

A non-Saudi investor buys a SAR 2,000,000 apartment inside a Riyadh ownership zone. Add the 5% real estate transaction tax and the 2% non-Saudi fee. What is the total of these two charges in SAR?

Through which official digital platform do non-Saudis apply to own property under the 2026 system?

1. Ejar
2. Sakani
3. Saudi Properties
4. Balady

In September 2025 a royal decree froze rent increases in Riyadh. What does it cover?

1. Residential only, for one year
2. Residential and commercial properties within Riyadh's urban boundary, for five years
3. Commercial only, for three years
4. All Saudi cities, for ten years

An investor buys a vacant Riyadh apartment that was rented last year. Under the rent freeze rules, what rent can he ask from a new tenant?

1. Any rent he likes, because the unit is vacant
2. The value of the most recent registered contract
3. The average rent of the district plus 10%
4. Half of the previous rent

After the 2025 amendments to the White Land Tax law, what is the annual fee on undeveloped land of 5,000 square metres or more in the highest priority zone?

1. 2.5%
2. 5%
3. 10%
4. 1%

By September 2025, how many foreign companies had set up regional headquarters in Saudi Arabia, according to the Minister of Investment?

1. About 660, above the 2030 target of 500
2. About 150, far below target
3. About 300, on track for 2030
4. Over 2,000

What is the headline tax incentive of the Saudi Regional Headquarters (RHQ) programme?

1. No VAT on any purchase for 10 years
2. 0% corporate income tax on eligible RHQ activities for 30 years (renewable)
3. A 50% discount on property purchases
4. Free land in KAFD

When will World Expo 2030 Riyadh take place, and where is its site?

1. October 2030 to March 2031, near King Salman International Airport
2. January to June 2030, in Diriyah
3. October 2029 to March 2030, at KAFD
4. Summer 2030, in Jeddah

Saudi Arabia's FIFA World Cup 2034 bid named five host cities. Which of these was NOT one of them?

1. Abha
2. Al Khobar
3. Madinah
4. Jeddah

In January 2026, what happened to the Mukaab, the giant cube planned at the heart of New Murabba in Riyadh?

1. It opened to the public
2. Construction beyond excavation and piling was suspended while financing and feasibility are reviewed
3. It was moved to Jeddah
4. It was sold to a private developer

A client asks whether buying near NEOM's The Line is a good bet in 2026. Which statement reflects the reported status?

1. The Line is on track to house 1.5 million people by 2030
2. Work on The Line is delayed until at least after 2030, and Trojena will no longer host the 2029 Asian Winter Games
3. The Line opened its first residential module in 2025
4. NEOM has been fully cancelled, including the Oxagon port

Which project is described as a USD 63.2 billion development of about 14 square kilometres, targeting over 100,000 residents, and is among those PIF kept as a priority in 2026?

1. Diriyah
2. The Line
3. New Murabba
4. Sindalah

Which Qiddiya milestone is correct?

1. Six Flags Qiddiya City opened on 31 December 2025
2. Qiddiya opened its first theme park in 2019
3. Qiddiya's first park is planned for 2032
4. Qiddiya was suspended in 2026 alongside the Mukaab

According to Knight Frank's Q2 2026 review, how did Riyadh residential values move year on year?

1. Apartments and villas both up more than 15%
2. Apartments up about 3.1% (around SAR 6,369 per square metre), villas down about 2.2%
3. Apartments down 10%, villas up 10%
4. Both flat at 0%

Knight Frank estimates Riyadh's residential stock at about 2.81 million units in 2026. What is the projection for 2030, and why does it matter to investors?

1. About 2.0 million units, so shortages will push rents up
2. Unchanged at 2.81 million, so prices are guaranteed to rise
3. About 3.30 million units, so new supply could limit rent and price growth in some segments
4. About 10 million units, so the market will crash

ROSHN, the PIF-owned community developer, builds SEDRA in which city?

1. Jeddah
2. Dhahran
3. Makkah
4. Riyadh

Jeddah Central (formerly Jeddah New Downtown) is a 5.7 million square metre waterfront project. Which set of landmarks does it plan?

1. A ski slope and a desert theme park
2. An opera house, a museum, a sports stadium and marine aquariums
3. An international airport and a cargo port
4. A financial district modelled on KAFD

Example figures: an apartment in north Riyadh costs SAR 1,200,000 and rents for SAR 72,000 per year. What is the gross rental yield (in %)?

Example figures: a Jeddah apartment bought cash for SAR 950,000 rents for SAR 60,000 a year. The owner pays SAR 6,000 a year for management and maintenance and SAR 3,000 to the owners' association. What is the net rental yield (in %)?

You sell a villa in Riyadh for SAR 2,400,000 and your brokerage contract uses the statutory sale rate. What is the commission (in SAR)?

Your agency closes a SAR 1,800,000 apartment sale at the statutory 2.5% rate. Your employment contract gives you 40% of the commission the agency receives (example split). How much do you earn (in SAR)?

You lease a Riyadh apartment on a 2 year contract at SAR 85,000 per year. Using the statutory lease rate, what commission do you earn (in SAR)?

A SAR 3,000,000 sale has two brokerage contracts on the same deal. The seller's contract sets 1.5%; the buyer's contract sets no rate. Under the implementing regulations, how much commission does the buyer pay (in SAR)?

A townhouse in Jeddah sells for SAR 1,500,000 (at market value). How much Real Estate Transaction Tax is due (in SAR)?

A Saudi citizen with a valid first home certificate buys a villa for SAR 1,400,000. The state bears RETT up to SAR 1,000,000 of the price. How much RETT remains to be paid (in SAR)?

A non-Saudi buys an apartment for SAR 2,000,000 in a designated zone in Riyadh. By contract he bears the 5% RETT, the 2% non-Saudi fee and his broker's 2.5% commission. Ignoring registration fees, what is his total acquisition cost (in SAR)?

Example figures: an investor bought an off-plan unit for SAR 1,000,000 and has paid SAR 300,000 so far. He resells his position for SAR 1,150,000 and pays his broker 2.5% of the resale price. Ignoring other fees and taxes, what is his return on the cash he invested (in %)?

Example figures: a buyer takes a home finance of SAR 800,000 over 25 years at a fixed 5.5% annual rate (monthly payments). What is the monthly instalment (in SAR, rounded)?

A buyer pays the maximum legal down payment on a SAR 2,000,000 deal, then withdraws for his own reasons, so the seller keeps it. Your brokerage contract is silent. What do you receive (in SAR)?

Example figures: a villa with 330 sq m of built-up area is listed at SAR 2,640,000. What is the price per square metre (in SAR)?

Example figures: Apartment A is SAR 980,000 for 140 sq m. Apartment B is SAR 1,150,000 for 155 sq m. Which statement is right?

1. B is cheaper per sq m because it is bigger
2. A costs SAR 7,000 per sq m, B about SAR 7,419, so A is cheaper per sq m
3. Both cost the same per sq m
4. A costs SAR 7,419 per sq m and B SAR 7,000

Example figures: an investor's total outlay on a Riyadh apartment is SAR 1,365,000 (price plus purchase costs). Net rent after costs is SAR 78,000 a year and stays flat. What is the payback period (in years)?

Example figures: an investor buys a SAR 1,500,000 apartment with a 30% down payment and also pays the 5% RETT himself. Rent is SAR 105,000 a year, finance instalments total SAR 72,000 a year and other costs SAR 8,000. What is the cash-on-cash return (in %)?

A Riyadh apartment has been let since 2024 at SAR 60,000 a year, registered on Ejar. The same tenant renews in 2027 and the landlord wants 10% more. What is the maximum yearly rent he can charge (in SAR)?

A retailer leases a shop in Jeddah (a commercial lease under 50 years) at SAR 200,000 per year before tax. How much does the tenant pay in total for the year including VAT (in SAR)?

Knight Frank reported that Riyadh apartment prices rose 6.3% year on year in Q1 2026. An apartment worth SAR 1,000,000 in Q1 2025 that followed this average would be worth how much in Q1 2026 (in SAR)?

Example figures: an investor wants at least a 7% gross yield. A Jeddah apartment can rent for SAR 63,000 a year. What is the maximum price he should pay (in SAR)?

Which days form the official weekend in Saudi Arabia?

1. Thursday and Friday
2. Saturday and Sunday
3. Friday and Saturday
4. Friday only

A Saudi client greets you with "As-salamu alaykum". What is the expected reply?

1. "Marhaba"
2. "Wa alaykum as-salam"
3. "Shukran"
4. "Inshallah"

You are a male broker meeting a Saudi woman client for the first time. How should you greet her?

1. Offer your hand straight away, as with any client
2. Greet her verbally with a slight nod and let her decide whether to offer her hand
3. Greet only her male companion and ignore her
4. Kiss her on the cheek, as is common between friends

During Ramadan, Saudi labour law caps the working hours of Muslim employees in the private sector. What is the cap, and what does it mean for your viewings?

1. 8 hours a day; nothing changes
2. 6 hours a day (36 a week), so daytime is shorter and many clients prefer evening meetings after iftar
3. 4 hours a day; all property business stops for the month
4. No cap; Ramadan only affects schools

Your meeting with a Saudi buyer runs close to the time of prayer and he says he needs to leave for the mosque. What is the best response?

1. Ask him to stay ten more minutes to finish the numbers
2. Pause naturally, agree a time to continue after the prayer, and plan future meetings around prayer times
3. Use the break to call another client and forget to follow up
4. Suggest he prays later so the deal is not lost

A large Saudi family visits a villa. The father asks about the majlis and the layout. What are they most likely checking?

1. Whether there is a home cinema
2. Whether guests can be received in a separate reception room and entrance, keeping family areas private
3. Whether the kitchen is open-plan to the living room
4. Whether the villa has a rooftop gym

A Saudi citizen buying his first home for SAR 1,000,000 worries about the 5% real estate transaction tax. What should you tell him?

1. He must pay SAR 50,000 in tax whatever happens
2. First homes are always fully tax-free whatever the price
3. Under the first-home support, the State covers RETT on the first SAR 1,000,000 for eligible citizens, so he should get the First Home certificate from the Ministry
4. Only foreigners pay RETT

Under the Saudi Central Bank (SAMA) rule, what is the maximum financing a bank may give a Saudi citizen for a first home?

1. 70% of the value
2. 80% of the value
3. 100% of the value
4. 90% of the value

An expat with a valid iqama wants a mortgage on a Riyadh apartment. Which answer is the most accurate in 2026?

1. Expats cannot get mortgages in Saudi Arabia
2. Every bank lends 90% to expats with no conditions
3. Some banks lend to residents, commonly with about a 30% down payment, salary transfer to an approved employer, a clean SIMAH record, and a property in a permitted zone
4. Only Premium Residency holders can buy, and only with cash

A family with three young children says their must-haves are a mosque within walking distance and a good school nearby. What is the best way to build the shortlist?

1. Send every villa in budget and let them check the map
2. Filter by budget first, then map nearby mosques and school options (and drive times at school hours) for each unit before proposing three or four homes
3. Tell them all districts have mosques, so it does not matter
4. Focus on finishes and skip location questions

A buyer asks what your commission is and who pays it. Under the Saudi Real Estate Brokerage Law, what is the default rule for a sale?

1. 2.5% of the transaction amount, paid by the party who signed the brokerage contract with you, unless otherwise agreed in writing
2. 2% paid by both parties, always
3. 5% paid by the seller only
4. Whatever the broker decides on the day

A seller says: "We trust each other, let's skip the paperwork and agree verbally." Why should you insist on a written brokerage contract?

1. Because a verbal deal is rude in Saudi culture
2. Because the law requires a written contract with a defined term, deposited with REGA, or it is unenforceable
3. Because banks ask for it
4. There is no need; verbal agreements are fully protected

A client wants you to post his villa on social media today. What must be in place before you advertise it?

1. Nothing, social media is not regulated
2. Only the owner's verbal permission
3. Your REGA (FAL) licence, and the ad must show your name and licence number
4. A photographer's certificate

A Riyadh landlord asks you to find a tenant and promises you a bonus if you push the rent 15% above his current lease. What do you tell him?

1. No problem, the market is strong
2. Only commercial units are frozen, so his flat is fine
3. You cannot promise that: rents inside Riyadh's urban boundary are frozen for five years from September 2025, and breaches can cost up to 12 months' rent in fines
4. Raise it but write the old rent in the contract

A new tenant asks whether the lease really needs to be registered. What is the correct answer?

1. Yes, all rental contracts must be registered on the Ejar platform
2. Only leases above SAR 100,000 a year
3. No, a signed paper copy is enough
4. Only if the tenant is a foreigner

You are planning a campaign for a national holiday. On which date is Saudi Founding Day, a public holiday since 2022?

1. 23 September
2. 22 February
3. 2 December
4. 1 Muharram

A Saudi woman is buying an apartment in her own name and comes to the viewing with her brother. Who should you address about the purchase?

1. Only the brother, as he must decide
2. The buyer herself, while being courteous and inclusive with her brother
3. Nobody until her husband arrives
4. Whoever speaks first

An investor says: "The market is slowing, I'll wait until prices fall." Which answer is the most professional?

1. "Prices will double by 2030, buy now or regret it."
2. "You are right, call me in two years."
3. "Activity has slowed, and some buyers are waiting. Let's look at the current numbers for your target district, the rent you could earn today under the rules, and decide if a specific unit makes sense for you now."
4. "I can guarantee the seller will cut the price by 20%."

A new referral from a family friend wants to work with you. What builds trust fastest in the Saudi market?

1. Sharing your licence details, giving a clear written summary of fees and steps, answering on time, and following up personally (often by phone or WhatsApp)
2. Sending a long list of listings with no explanation
3. Pushing for a decision on the first visit
4. Avoiding questions about fees until signing

An English-speaking client receives an English translation of a Saudi regulation or contract. If the English and Arabic versions differ, which one generally governs?

1. The English version
2. Whichever the client prefers
3. The Arabic version
4. Neither; both are void