What are the mortgage finance conditions for low-income buyers under the 3% initiative?

It is handled exclusively through the Social Housing Fund (Sanduq Al-Iskan Al-Igtima'i). The customer pays a down payment starting from 10%, and the repayment period reaches 30 years at a 3% declining interest rate. The customer's monthly income and the price of the unit must not exceed the limits announced periodically by the Fund, and neither the customer nor their spouse may own any other residential unit.