Raqmana
Frequently Asked Questions
Raqmana is a digital platform that enables real estate investment through the purchase of tokens representing shares in income-generating properties—allowing investors to benefit from returns without needing to own the entire property.
Yes, The platform can be accessed via the website as well as the mobile app, with the same core features available on both.
Start by creating an account, completing identity verification, then explore available investment opportunities, choose the one that suits you, and begin purchasing shares.
Properties are selected based on key criteria, including location, expected returns, property type, occupancy rate, and potential risks.
Yes, Identity verification is mandatory before investing, in order to comply with anti-money laundering regulations and ensure user protection.
Like any investment, there are risks of price fluctuations, along with potential delays in rental income or unexpected maintenance costs, but these risks are mitigated through diversification across multiple investment opportunities.
Yes, all our products are fully Sharia-compliant and are reviewed by a specialized advisory committee.
Returns are generated from rental income, as well as potential gains from property value appreciation upon sale, and it’s important to note that these returns are not guaranteed.
Returns are distributed after deducting fees and operational expenses—on a monthly, quarterly, or semi-annual basis depending on the opportunity—proportionate to actual ownership, with detailed performance reports provided.
The minimum investment varies by opportunity, starting from as low as SAR 500, with the option to invest more depending on the selected opportunity.
Fractional ownership allows you to purchase a share of a property instead of the entire asset, reducing the required capital and helping diversify risk.
Opportunities vary across apartments, residential and commercial buildings, offices, self-storage units, as well as usufruct (right-of-use) investments.
Yes, Investors may be given the opportunity to vote on certain decisions related to the property, with voting power weighted according to each investor’s ownership share.
A share or token is a digital unit that represents a portion of a real estate asset offered for investment, and is allocated to the investor in proportion to their ownership stake in that asset.
Your shares are registered under your name once the purchase is completed and payment is confirmed, and your ownership is updated on the platform instantly or within a short time frame.
All fees related to each investment opportunity are clearly outlined on the opportunity details page before you complete your purchase.
Once the purchase is completed, the investment cannot be canceled, and is subject to the platform’s terms, conditions, and applicable policies.
You can pay using Mada cards, Apple Pay, or SADAD, or via bank transfer.
The property is typically sold after 3 to 5 years, or when its value reaches a suitable profit compared to the purchase price, in accordance with the terms of the contract.
Returns are credited directly to your wallet within the platform, and you can withdraw them to your bank account in accordance with the platform’s withdrawal policies.
Raqmana does not pay zakat on behalf of investors, while any applicable regulatory and tax obligations are handled by us.
Raqmana manages properties through professional asset managers engaged under clearly defined management agreements, ensuring transparent distribution of returns.
Yes, subject to Saudi regulations governing foreign property ownership.
Yes, subject to Saudi regulations governing foreign property ownership.
Yes, Raqmana holds all the required licenses in the Kingdom of Saudi Arabia.
You can contact the support team through the available channels within the app or via the platform’s official contact details.