Mortgage underwriters at BSF want six months of statements, both date columns aligned, and a documented down-payment trail. The CSV makes all three easier.
Convert your BSF statementBanque Saudi Fransi participates in Sakani-linked mortgage products and underwrites with the same rigour it applies to corporate trade finance. Six months of SAR account statements are mandatory. The down payment must be seasoned for at least 60 days. The Posting Date and Value Date columns let the underwriter age each large credit precisely — which matters when seasoning is at the boundary of compliance.
If you keep an FX sub-account at BSF, the underwriter wants the source-of-funds documentation in the original currency, then converted to SAR at the year-end rate. The CSV preserves both.
BSF customers often save in USD or EUR before converting to SAR for a property purchase. The challenge: the underwriter wants to see the original currency, the conversion event, and the SAR landing — all aged correctly. The CSV exposes each row in the original currency, so the trail is intact.
If the down payment came from a single large SWIFT credit, the Posting Date and Value Date columns give the underwriter two anchor points. If they differ, attach the SWIFT MT103 confirmation showing the originating wire details.
Six months of BSF data, segmented by currency, ready for the mortgage file.
BSF statements are bilingual (Arabic/English) PDFs with a corporate-oriented format. Columns are: Posting Date, Value Date (DD/MM/YYYY), Transaction Description in English and Arabic, Reference Number, Debit, Credit, Running Balance. Foreign-currency sub-accounts may be listed in a separate section with USD or EUR balances.
| Label | Meaning |
|---|---|
| حوالة دولية | Outbound international SWIFT wire transfer |
| POS-MADA- | Mada debit purchase |
| LC Payment | Letter of credit payment |
| حوالة سريعة | Sarie instant domestic transfer |
| فائدة دائنة | Conventional interest credit on deposit |
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 BSF Online
Pull six monthly PDFs for the SAR account. Pull FX sub-accounts separately if held.
Merge in Kashfbank
Upload all PDFs in one session. The CSV merges chronologically and keeps the SAR and FX sections segmented.
Trace the down payment
Find the rows that built the down payment. Confirm the funds have been present for at least 60 days. Attach gift letters, asset sale agreements, or SWIFT MT103s for each large inbound credit.
Submit BSF PDFs to the bank
Mortgage underwriting requires bank-issued PDFs. Submit the original BSF PDFs alongside the source-of-funds documentation.
Common challenges
Can Kashfbank handle BSF statements with both SAR and FX sub-accounts?
Yes. Kashfbank segments by currency header so the SAR section and any USD or EUR sub-account section appear as separate currency-tagged rows in the CSV. The running balances are kept independent.
My down payment came from a USD savings sub-account at BSF. How do I document the conversion to SAR?
Find the conversion row in the CSV — it appears as a USD debit and a matching SAR credit on the same Value Date. Attach the conversion advice from BSF showing the rate applied. The dated row in the CSV is your timestamp evidence.
Does BSF require a separate statement for trade-finance customers applying for a mortgage?
Mortgage underwriting reviews personal account statements separately from corporate accounts. If you use BSF for trade finance, ensure the mortgage file references only the personal SAR account (and any personal FX sub-account), not the company accounts.
How are the two date columns useful for the 60-day seasoning check?
Posting Date is the bank's internal date. Value Date is when the funds were usable. The underwriter typically counts seasoning from Value Date. The CSV exposes both, so you can confirm seasoning is met from whichever date the underwriter chooses.
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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