CO-OWNERSHIP INFRASTRUCTURE FOR SAUDI REAL ESTATE
Qabila — built for the people building the Kingdom
Qabila lets you co-own real estate — with direct legal title, Shariah-compliant structure, and a platform that manages everything from acquisition to exit.
Before anything else — here is exactly how your money and your ownership are protected. Every step. Every system. Nothing hidden.
Every government system. Every safeguard. Qabila connects you to the infrastructure Saudi Arabia already built to protect property ownership. Nothing is held by Qabila alone.
Trust statement: Your money never touches Qabila. It is held in a licensed escrow account at a regulated Saudi bank, monitored by the Ministry of Justice. Released only when your name is confirmed on the title deed.
Trust statement: Your ownership is a government record — not a Qabila record. Registered in the REGA national property registry. Verifiable on Najiz using your Absher account at any time.
Five stories. One platform. Qabila is not one thing to one person. It is infrastructure for everyone who deserves to own a piece of the Kingdom they are building.
Layla, Riyadh. 28 — Software engineer, three years into her career. Layla knows exactly which district she wants to live in. She earns well, saves carefully, and has a plan. The plan has one problem — the deposit is eleven years away at current prices. Qabila matched her with three people who want the same district, the same horizon, and the same outcome. She invested her share. She owns her percentage. She stopped waiting.
Ahmed & Tariq, Madinah. Brothers — 31 and 34, both working, both ready. Their parents rented their entire lives. Ahmed and Tariq decided their generation would be different. Qabila gave them a legal structure that protected them both — defining who decides what, what happens if one wants to leave, and how the property gets managed. They bought together without risking what they already had.
Omar & Faisal, Riyadh. Colleagues — 26 and 29, relocated to Riyadh for work. They had been splitting rent for two years. Qabila matched them — same district preference, same five-year horizon, same intent to live in the property. They co-own an apartment three minutes from where they both work. The rent they used to pay someone else now builds something for themselves.
Fatima, Riyadh. 34 — Finance professional, building her portfolio. She is not looking for speculation — she wants a real asset, rental income, and a clear exit when the time is right. Qabila handles everything between acquisition and exit. She reviews her distribution statement every six months and makes decisions when decisions are needed.
Hanan, Madinah. Mother, aunt, elder sibling — investing in someone she loves. Her daughter moved to Riyadh to study. Every month Hanan transferred money for rent — money that built nothing. She wanted to do more. Qabila gave her a co-ownership share in an apartment in her daughter's district. The property is fully managed. Hanan earns a rental return. And when her daughter is ready — the share becomes her foundation.
Five different people. Five different reasons. One platform that makes co-ownership work for all of them.
Use the Qabila calculator to estimate your potential returns based on investment amount, horizon, and property type.
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Everything you need to know about co-ownership on Qabila.
How can I trust Qabila? Qabila doesn't hold your money. Funds follow the same path as any standard property purchase in the Kingdom — through licensed escrow, into the transaction, registered with the Ministry of Justice. You are protected by Saudi law.
Does Qabila hold my money? No. Your funds move directly through licensed escrow into the property transaction. Qabila never holds your capital.
Who actually owns the property — me or Qabila? You do. Every co-owner holds a registered share in the property, recorded at the Ministry of Justice in their name.
What is a Musharakah agreement? Musharakah is a Sharia-compliant co-ownership structure recognised under Saudi law. It defines each co-owner's share, rights, obligations, and terms. Qabila uses MoJ-integrated Musharakah agreements as the legal foundation.
Is this Sharia compliant? Yes. The Musharakah structure is a well-established Sharia-compliant ownership model. There is no interest, no debt instrument, and no financial product involved.
How many co-owners can share one property? As many as it takes. The number is determined by the property price and each person's individual share.
Can non-Saudis join Qabila? Yes. Following Royal Decree M/14, non-Saudis can own residential real estate in designated zones across the Kingdom including Madinah.
What do I have to pay? Your share of the property purchase price. Qabila charges a 2.5% platform fee at acquisition. If co-owners elect to rent the property out, a 10% management fee applies to rental income. If you sell your share before the agreed term end, a SAR 750 transfer fee applies.
How are maintenance costs split? Proportionally — each co-owner contributes according to their ownership percentage.
How does Qabila match co-owners? Qabila matches on outcomes — your budget, preferred location, intended use, and exit horizon.
Can I bring my own co-owners? Yes. If you already know who you want to own with, Qabila structures the arrangement for you.
How is usage time divided? Usage schedules are agreed between co-owners and documented before completion.
Can one co-owner live in the property full time? Yes. If one co-owner wishes to occupy the property, they pay proportional rent to the remaining co-owners at market rate.
What happens if I need my money in an emergency? Co-ownership is a property purchase — it is not a liquid asset. If you need to exit early, co-owners have first refusal on your share at market rate. If no buyer is found, you wait until the agreed term end.
What happens at the end of the agreed term? Co-owners either sell the property on the open market and distribute proceeds proportionally, or one co-owner buys out the others at market rate.