Skip to content

O My bondmen who believe! Lo! My earth is spacious. Therefor serve Me only.Qur'an 29:56 · Pickthall

In build

My Hijra

A free, independent guide to relocating to Saudi Arabia, centred on Makkah and Madinah. It sells nothing, gates nothing and collects nothing.

The four routes in

Follow one line
The four routes into Saudi ArabiaEmployment, Residency, Business, Investment — four lines converging on the iqama, then running through Settle, Trade, Settled.EmploymentResidencyBusinessInvestmentPremium ResidencyBlock visaquotaMOFAauthorisationEmbassystampingEntryIqama within90 daysContributiontierActivityclassificationInvestmentRegistrationCommercialRegistrationQualifyingassetTAQEEMappraisalpr.gov.saaccountEligibilityformAssessmentfeeCentre reviewPre-approvalFee within 30daysPremiumResidency IDSettleTradeSettled

The four routes into Saudi Arabia, each ending at the iqama.

  • Employment: Block visa quota, MOFA authorisation, Embassy stamping, Entry, Iqama within 90 days, then the shared route.
  • Residency: Contribution tier, then the shared route.
  • Business: Activity classification, Investment Registration, Commercial Registration, then the shared route.
  • Investment: Qualifying asset, TAQEEM appraisal, then the shared route.
  • Shared from the iqama onward: Settle, Trade, Settled.

Four doors, two permits

Four ways in, and that is how people arrive and how they describe themselves. Underneath there are only two permits, and it is worth knowing which one you are heading for before you start.

  • Employment

    An employer sponsors you, and the permit is an iqama tied to that employer. The route cannot be started alone: the employer holds the quota, obtains the authorisation and issues the iqama.

  • Residency

    You pay for the right to reside. No employer, no company. This is Premium Residency, applied for directly.

  • Business

    You set up or move a company, and the company qualifies you. The permit at the end is Premium Residency.

  • Investment

    You put capital in, including into property, and the holding qualifies you. The permit at the end is Premium Residency.

Three of the four doors end at the same permit
Employment gives an employer-sponsored iqama. Residency, business and investment all land on Premium Residency — one government service with seven products behind it. They are three ways of qualifying for the same permit, not three different permits. The map shows them converging because they do converge.
Buying a property does not grant residency
It makes you eligible to apply. A separate application and a separate approval are both mandatory, and the residency lasts only while the qualifying ownership is maintained — if the asset is sold it must generally be replaced within 90 days or the residency ends. The qualifying property must be residential, developed and ready to occupy, appraised by a TAQEEM-accredited valuer, and free of mortgage.
There is no freelance route
The Freelance Work Document is a Saudi-citizen scheme. It is not open to expatriates, and there is no self-sponsored freelance permit. If a route you have read about rests on freelancing your way in, it does not exist.
In the holy cities a company may do what a person may not
Premium Residency does not give you ownership in Makkah and Madinah. Article 2 of the Premium Residency Permit Law grants a holder ownership "in areas other than the cities of Mecca and Medina and border areas", and inside the two cities grants usufruct instead — a use right for a period not exceeding 99 years, transferable, taken by deed from a notary public. A company is a separate question and the answer is different: one incorporated in Saudi Arabia is not treated as non-Saudi under M/14 even if it is wholly foreign-owned, so it may hold property in the two cities for business purposes and staff housing. That is a materially wider permission than the permit gives a person, which is why how you are structured sits upstream of the property question.
The MISA licence is now called Investment Registration
Under the updated Investment Law the Ministry of Investment issues an Investment Registration. The old term is still in common use, including by people who will be advising you, so both names refer to the same thing.

Source Premium Residency service, Saudi National Portal checked 2026-08-30

Source Premium Residency Permit Law, Article 2, Ministry of Investment checked 2026-08-30

Source REGA, non-Saudi real estate ownership, Saudi Properties — link and check date still to be recorded

Settling in the two cities

What Royal Decree M/14 changed

Royal Decree M/14 was issued on 14 July 2025 and came into force on 22 January 2026. The Council of Ministers approved the Executive Regulation and the Geographic Scope Document on 23 June 2026 — the regime only became usable on that date.

Muslim non-Saudis may hold title in Makkah and Madinah, resident or not. That is the real change: the position before was effectively leasehold only.

Ownership in the two cities is confined to zones designated by the Council of Ministers and mapped by REGA. Registration, payment and title issuance all run through one REGA platform.

A non-Saudi resident may also own one residential property outside the designated zones for personal use. Makkah and Madinah are excepted from that allowance. Someone living abroad is confined to the zones.

For a company, what matters is where it is incorporated, not who owns it. A company incorporated in Saudi Arabia is not treated as non-Saudi under M/14 even if it is wholly foreign-owned, so it may hold property in the two cities. The purpose is limited: business use and staff accommodation, not investment. That is a wider permission than any individual non-Muslim has, which is why how you are structured sits upstream of the property question.

REGA has left the door open to designating further zones, and has not said when.

Source Real Estate General Authority (REGA), Saudi Properties — link and check date still to be recordedThe portal holds the official interactive zone maps, the permitted ownership percentages, the rights types and the duration limits. It is the authority on all of them; property blogs are not.

Makkahمكة المكرمة

Inside the designated zones, and only for Muslim non-Saudis. Which zones, what share may be held and for how long are all on the REGA portal rather than here.

Madinahالمدينة المنورة

The same rule as Makkah: designated zones, Muslim non-Saudis, and the portal as the authority on the boundaries.