Article 12 of the Saudi Finance Lease Law

This article gives the lessor two means of protecting its ownership of an asset that remains in the lessee's hands:

1. Placing protective markings on the movable: the lessor may place on the leased movable asset any marking to protect it, including its name and the registration number of the contract in the register of contracts. This right is stated specifically for movables, and its purpose is that anyone dealing with the asset knows it is owned by the lessor and registered.
2. Inspecting the asset: the lessor, or its delegate, may inspect the leased asset for two purposes: to confirm that the lessee continues to hold it, and to examine its condition.

The right of inspection is subject to two limits:

• This procedure must not cause harm to the lessee.
• It must be in accordance with what the Regulations determine and the conditions set out in the contract.

So inspection may not become a means of disrupting the lessee's activity or harming it, and the details of its timing and method are found in the Regulations and the contract. The register of contracts is defined in Article 1. The article is linked to Article 11, which requires the lessor's consent for the lessee to assign the contract, and to Article 13, which regulates obtaining the licenses needed to acquire or operate the asset. If there is a dispute over how inspection is carried out or the harm it caused, you can consult a lawyer specializing in banking, finance and finance lease cases.