Ghanem is a digital platform that lets investors acquire legally registered fractional ownership or usufruct rights in income‑generating Saudi real‑estate, issuing official property deeds linked to the national registry. The service automates rent collection and distributes monthly or quarterly returns, while offering an early‑exit secondary market and ensuring all products comply with Islamic Sharia and local regulations.
Funding
Funding not disclosed
Founders
Product
Problem
Investors in Saudi Arabia often face high entry barriers to real estate, limited liquidity, and complex legal processes that make fractional ownership difficult to obtain and manage.
Solution
Ghanem provides a digital platform that enables users to acquire legally registered fractional ownership or usufruct rights in income‑generating properties. The platform issues official property deeds in the investor’s name, links each transaction to the national real‑estate registry, and automates rent collection and distribution of quarterly or monthly returns. Investors can monitor their holdings, reinvest earnings, and exit early through the app’s secondary‑market functionality. All products are structured to comply with Islamic Sharia principles and are reviewed by a qualified Sharia committee, ensuring that the offerings meet local regulatory and religious standards.
Target Audience
The service targets individual and institutional investors in Saudi Arabia seeking low‑minimum, income‑producing real‑estate exposure, including those who require Sharia‑compliant investment options.
Features
- Digitally issued, government‑registered partial property deeds that establish formal ownership rights
- Automated rent collection and monthly/quarterly distribution of rental income to investors’ accounts
- Early‑exit option via a secondary‑market mechanism within the Ghanem app
- Sharia‑compliant product structures reviewed and approved by an expert religious committee
- Integrated compliance with Saudi real‑estate regulations and the REGA sandbox environment
- Transparent performance dashboards showing rental yields, capital appreciation, and portfolio diversification