ANB participates in Sakani-linked mortgage products. Underwriters want six months of clean salary credits, 60-day down-payment seasoning, and a clear debt-service picture.
Convert your ANB statementANB participates in Sakani (Saudi Real Estate Refinance Company) mortgage products and supports REDF (Real Estate Development Fund) home-finance applications. Standard requirement: six months of statements showing WPS salary credits, a debt-burden ratio within SAMA's ceiling, and a 60-day seasoning window on the down-payment balance.
ANB's stable bilingual statement format makes the underwriter's review straightforward — when it is in CSV form. Manual six-month review across multiple PDFs is the time sink. Kashfbank merges all six months into a single chronological CSV with salary, installments, and down-payment activity tagged.
The ANB statement runs: Date (DD/MM/YYYY), bilingual Description, Reference Number, Debit, Credit, Running Balance. Mortgage underwriters focus on "راتب" for monthly salary credits, "قسط تمويل" for existing financing obligations, and the closing balance row at each month-end.
Down-payment seasoning is the central check. Any large credit within 60 days of application that is not a salary or recurring transfer raises questions. The CSV makes the credit flow visible: trace the down-payment funds back through six months and confirm they were already present, not recently moved in from elsewhere.
The CSV monthly-balance extraction enables quick computation of the metrics REDF and ANB underwriters care about.
ANB statements are bilingual PDFs with a well-organised columnar layout: Date (DD/MM/YYYY), Description (bilingual), Reference Number, Debit, Credit, Running Balance. Descriptions for cross-border Arab transfers may appear in both Arabic and transliterated English. The format is stable and parses reliably.
| Label | Meaning |
|---|---|
| حوالة سريعة | Sarie instant domestic transfer |
| حوالة دولية | Outbound SWIFT international wire |
| POS-MADA- | Mada debit card purchase |
| راتب | Salary credit (WPS) |
| قسط تمويل | Financing installment (conventional or Islamic window) |
Sakani (Saudi Real Estate Refinance Company) mortgages require 3 months of SAMA-bank statements showing WPS salary credits; foreign income requires SWIFT-verified equivalents.
Export six months from ANB Mobile
Download bilingual PDFs covering the last six completed months. Include any other ANB accounts where the down payment is held.
Upload to Kashfbank
Drop the PDFs in. Kashfbank merges them into a single chronological CSV with the closing-balance trend visible at a glance.
Verify down-payment seasoning
Filter the CSV to credits over SAR 50,000. Confirm the down-payment balance was in the account at Day-1 of the 60-day window. Flag any unexplained large credit for a source letter.
Submit to ANB with the original PDFs
Hand the original ANB PDFs to the underwriter. Use the CSV to walk your accountant through the file before submission, so any issue is fixed before it reaches ANB.
Common challenges
What does down-payment seasoning mean for an ANB Sakani mortgage?
Seasoning means the down-payment funds have been in your ANB account for at least 60 days before application. The point is to rule out borrowed down payments. Kashfbank's six-month CSV shows the funds' presence from Day-1, no large recent credit of unexplained origin.
How does Kashfbank handle a large family gift used for the down payment?
The CSV pinpoints the gift's exact deposit date and amount. Pair it with a gift letter from the donor confirming the funds are non-repayable. The combined documentation satisfies the underwriter's source-of-funds requirement.
Can ANB underwriters accept REDF subsidy as part of my qualifying income?
REDF subsidy is treated as a separate qualifying income input, distinct from salary. The CSV shows the REDF subsidy line if it has already credited; if not, supplement with the REDF eligibility letter. ANB underwriters review both.
I receive a cross-border Arab transfer monthly from family. Can it count as supporting income?
Recurring family support is not treated as qualifying income by mortgage underwriters — only employment salary, business revenue, or rental income qualify. The CSV shows the recurring credit, but for underwriting purposes flag it as personal transfer rather than income.
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Regulator: Saudi Central Bank (SAMA)
Fiscal year: Hijri fiscal year (government); Gregorian Jan–Dec (most private sector)
Full country guide →Statement language: Arabic / English