Arat Sukuk… the smart alternative to traditional real estate investment

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Is buying and managing property yourself the only way to earn real estate returns?

What is ‘Arat Sukuk’?

It’s an investment in direct real estate financing for property developers, offering rewarding returns and tangible real estate guarantees—without the hassles of purchasing, management costs, or rental risks.
‘Arat Sukuk’ is the smart alternative to traditional real estate.

Comparison of ‘Arat Sukuk’ returns
with different asset classes

Assets Investments Annual Rate of Return Duration Access Risks Investment Cap Investment Management
Real Estate Investment Funds (REITs) 5.41% Long Easy Medium Not specified Requires experience
Direct property ownership 5-7% Long Difficult Low High Requires time and experience
Stocks 7-12% Long Difficult High Not specified Requires experience
Arat Up to 17% Medium Easy Medium Starts from 1,000 Does not require experience or effort
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Performance of ‘Arat Sukuk’ since the platform’s launch

15 months

Default rate

SAR  300+ million

Investment opportunities available

SAR 2.5 billion

Incoming financing requests

0%

Default Rate

Up to 17%

Average expected annual return

+ 14.7 million SAR

Total Payouts distributed to investors
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Licensed by the Capital Market Authority

We are licensed by the Capital Market Authority in the Kingdom of Saudi Arabia to finance real estate development projects through debt instruments.

View License

Approved by the Sharia Committee

At Arat, we ensure that every investment product is fully Sharia-compliant and approved by our Sharia Committee.

Learn about the Sharia Committee

مرونة في حجم الاستثمار حسب أهدافكم.

فترات استثمار مرنة من 12 إلى 36 شهرًا.

ضمانات قوية تشمل رهونًا عقارية وسندات لأمر على الشركة والملاك.

عوائد سنوية تصل إلى 17%، تصرف عند الاستحقاق.