Article 43 of the Saudi Registered Real Estate Mortgage Law
المادة 43 من نظام الرهن العقاري المسجل
The mortgagor and the possessor may request release of the mortgage after the period for hearing a claim on the debt secured by the mortgage, set out in other laws, has elapsed.
Official text (Arabic)
This article has not been amended since the law was issued.
للراهن والحائز طلب فك الرهن بعد انقضاء مدة سماع دعوى الدين الموثق به الرهن المنصوص عليها في الأنظمة الأخرى.
This is the official Arabic wording, the only legally binding version. We do not translate the law itself; the explanation below is ours. Official source: Bureau of Experts at the Council of Ministers
Article 43 explained in plain English
This article gives the mortgagor and the possessor of the mortgaged property the right to request release of the mortgage in one specific case: the period for hearing a claim on the debt secured by the mortgage has elapsed.
This article does not specify the length of that period but refers to what other laws provide; those laws must therefore be consulted to learn the period applicable to the debt secured by the mortgage.
- Who may make the request: the mortgagor and the possessor.
- Subject of the request: release of the mortgage.
- When it is made: after the period for hearing a claim on the debt secured by the mortgage has elapsed.
- Source of the period: other laws, not this law.
The article speaks of a right to "request" release of the mortgage; it gives the mortgagor and the possessor a means of demanding release after that period has elapsed.
This article sits alongside Article 42, which provides for the extinction of a registered mortgage by the destruction of its subject, subject to the provisions on destruction of the mortgage, and Article 44, which provides that the mortgage is not void on the death of the mortgagor or the mortgagee or on loss of capacity.
Because fixing the period requires consulting other laws and applying them to the facts of the debt, the person concerned would do well to consult a lawyer specializing in real estate cases.
Practical example
A property in Taif still has a registered mortgage recorded on it, securing an old debt. If the period for hearing a claim on that debt, set out in other laws, has elapsed, the mortgagor, or whoever now holds the property as possessor, may request release of the mortgage.
Translated from our Arabic explanation with machine assistance. For guidance only; it does not replace advice from a lawyer on your situation.
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Frequently asked questions about Article 43 of the Saudi Registered Real Estate Mortgage Law
Can a mortgage be released if a long time has passed since the debt?
The mortgagor and the possessor may request release of the mortgage after the period for hearing a claim on the debt secured by the mortgage, set out in other laws, has elapsed.
What is the period for hearing a claim on the debt that the article refers to?
Article 43 does not specify this period but refers to what other laws provide.
Who may request release of the mortgage after the period has elapsed?
The mortgagor and the possessor of the mortgaged property.
More articles on Ending and Releasing the Mortgage
- Article 37
The mortgage follows the debt, so it is released when the whole secured debt is extinguished and returns if the debt returns, without prejudice to rights acquired in good faith by others in between.
1 - الرهن تابع للدين، فينفكّ الرهن بانقضاء جميع الدين الموثق به. 2 - إذا كان الدين قد انقضى ثم عاد لأي سبب موجب لبقائه، رجع الرهن كما كان برجوع الدين، دون مساس
- Article 38
On early repayment of the debt or part of it, a part of the debt is deducted under the early repayment standards in the Finance Companies Control Law; if the court sells the property before the term ends, it pays the due installments to the creditor and deposits the rest in its bank account.
1 - إذا سدد الدين أو بعضه قبل أجله باتفاق المتعاقدين، أو بحكم العقد، أو النظام، أو القضاء؛ فيحط جزء من الدين طبقًا لمعايير السداد المبكر المنصوص عليها في نظام م
- Article 39
A registered mortgage is extinguished by a compulsory sale of the mortgaged property under the law and payment of the price to the mortgagee creditors according to their ranks, or its deposit in a bank account of the court.
ينقضي الرهن المسجل ببيع العـقار المرهون بيعًا جبريًا وفقًا للنظام، ودفع ثمنه إلى الدائنين المرتهنين وفقًا لمرتبة كل منهم، أو إيداعه في حساب بنكي للمحكمة.
- Article 40
A registered mortgage is extinguished by merger of rights, when the right of mortgage and the right of ownership come together in one person, and returns if the cause of the merger ceases retroactively.
ينقضي الرهن المسجل باتحاد الذمة، باجتماع حق الرهن مع حق الملكية في يد شخص واحد، سواءً أكان بانتقال ملكية العقار المرهون إلى المرتهن، أم بانتقال حق المرهون إلى ا
- Article 41
A registered mortgage is extinguished when the mortgagee waives it by a documented waiver, and the mortgagee may waive the mortgage right while the debt remains.
ينقضي الرهن المسجل إذا تنازل المرتهن عنه تنازلاً موثقًا، وله أن يتنازل عن حق الرهن مع بقاء الدين.
- Article 42
A registered mortgage is extinguished by the destruction of its subject, subject to the provisions on destruction of the mortgage set out in the law.
ينقضي الرهن المسجل بهلاك محلّه، وتراعى أحكام هلاك الرهن المنصوص عليها في هذا النظام.
The texts are reproduced from the official website of the Bureau of Experts at the Council of Ministers for reference; where they differ, the officially published Arabic text prevails. This content is not legal advice.