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Accountants Certificate For Mortgage

Accountants Certificate For Mortgage Template for Saudi Arabia

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Key Requirements PROMPT example:

Accountants Certificate For Mortgage

"I need an Accountant's Certificate for Mortgage for a self-employed business owner with multiple income streams, including rental properties and investments, applying for a SAR 2.5 million residential mortgage in March 2025, ensuring Shariah compliance and SAMA regulations."

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Document background
The Accountant's Certificate For Mortgage is a mandatory requirement in the Saudi Arabian mortgage application process, designed to provide lending institutions with independent verification of an applicant's financial status. This document emerged from the Saudi real estate finance regulations and SAMA's requirements for thorough financial due diligence in mortgage lending. It includes comprehensive verification of income sources, existing financial obligations, and overall creditworthiness, while ensuring compliance with both Islamic finance principles and modern banking requirements. The certificate is particularly crucial in the Saudi market where income structures can be complex and may include multiple sources. It helps financial institutions make informed lending decisions while maintaining regulatory compliance and risk management standards.
Suggested Sections

1. Accountant Information: Details of the certifying accountant including name, license number, and firm details

2. Addressee Details: Information about the mortgage provider or financial institution to whom the certificate is addressed

3. Client Identification: Details of the client/borrower whose financial information is being certified

4. Purpose of Certificate: Clear statement of the certificate's purpose for mortgage application

5. Financial Information Verification: Confirmation of reviewed financial documents and income verification

6. Income Certification: Detailed breakdown and certification of the client's income sources and amounts

7. Employment Status: Verification of employment status and tenure if applicable

8. Financial Obligations: Statement regarding existing financial commitments and liabilities

9. Certification Statement: Formal certification of the financial information provided

10. Disclaimer: Standard disclaimers and limitations of the certification

Optional Sections

1. Business Income Analysis: For self-employed individuals, detailed analysis of business income and sustainability

2. Investment Income Verification: For clients with significant investment income, verification of investment sources and returns

3. Foreign Income Declaration: For clients with international income sources, verification and currency considerations

4. Zakat Compliance Statement: Statement confirming compliance with Zakat requirements if relevant to income assessment

5. Property Rental Income: For clients with rental income, verification and analysis of rental property returns

Suggested Schedules

1. Income Calculation Schedule: Detailed breakdown of income calculations and adjustments

2. Document List: Schedule of all financial documents reviewed for the certification

3. Bank Statement Analysis: Summary analysis of bank statements reviewed

4. Financial Obligations Schedule: Detailed list of current financial commitments and liabilities

5. Professional Credentials: Copy of accountant's professional licenses and certifications

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant legal definitions
Certificate
Certifying Accountant
SOCPA
SAMA
Applicant
Primary Income
Secondary Income
Gross Annual Income
Net Annual Income
Monthly Income
Financial Obligations
Debt Service Ratio
Fixed Income
Variable Income
Business Income
Investment Income
Rental Income
Financial Statements
Review Period
Bank Statements
Supporting Documentation
Professional License
Relevant Period
Financial Year
Material Change
Financial Position
Zakat
Shariah Compliance
Mortgage Provider
Financial Institution
Employment Income
Self-Employment Income
Commission Income
Bonus Income
Verification Documents
Financial Commitments
Credit Obligations
Assessment Date
Certification Period
Professional Standards
Clauses
Professional Certification
Scope of Review
Income Verification
Employment Status
Financial Documentation
Professional Credentials
Limitation of Liability
Confidentiality
Compliance Statement
Document Authenticity
Financial Obligations
Professional Standards
Independence Declaration
Information Accuracy
Review Period
Regulatory Compliance
Islamic Finance Compliance
Client Authorization
Purpose of Certificate
Disclaimers
Document Validity
Third Party Reliance
Professional Responsibility
Data Protection
Relevant Industries

Banking and Finance

Real Estate

Accounting and Audit

Islamic Finance

Professional Services

Mortgage Services

Property Development

Relevant Teams

Mortgage Operations

Credit Assessment

Risk Management

Compliance

Islamic Banking

Real Estate Finance

Retail Banking

Financial Control

Legal

Document Processing

Relevant Roles

Mortgage Officer

Credit Analyst

Certified Public Accountant

Financial Controller

Compliance Officer

Risk Assessment Manager

Islamic Finance Specialist

Mortgage Underwriter

Banking Relationship Manager

Real Estate Finance Manager

Industries
Real Estate Finance Law (2012): The primary legislation governing mortgage financing in Saudi Arabia, establishing the framework for real estate financing activities and licensed companies
SAMA Real Estate Finance Practice Regulations: Detailed regulations issued by Saudi Central Bank (SAMA) governing the practice of real estate financing, including requirements for documentation and certification
Saudi Organization for Certified Public Accountants (SOCPA) Standards: Professional standards that govern how accountants must prepare and certify financial documents, including those used for mortgage purposes
Sharia Supervisory Guidelines: Islamic financial principles that must be adhered to in mortgage transactions, ensuring compliance with Islamic law requirements
Anti-Money Laundering Law (2017): Regulations requiring verification of financial information and source of funds in real estate transactions
Finance Companies Control Law: Regulations governing finance companies and their activities in Saudi Arabia, including mortgage finance operations
Certified Public Accountants Regulations: Laws governing the duties and responsibilities of certified public accountants in Saudi Arabia, including their role in certifying financial documents
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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