Enter Real Estate with a Small Amount
You don't need hundreds of thousands to start. Begin from just SAR 1,000 and own a real share in a real property — exactly like big investors, but at your scale.
The first private platform in the Kingdom to issue a fractional real-estate ownership deed
With Jozo — real estate for everyone
Own part of a property from your phone, receive your returns in your wallet — and leave the management to us.
In partnership with
Fractional Ownership Advantages
Owning property just got simpler.
Diversify Across Properties & Cities
Instead of putting all savings in one property, hold shares in several properties — residential, commercial, short-term rental, across multiple cities. Lower risk, broader opportunity.
Real Recurring Returns
Receive recurring rental returns from properties you own shares in — passive income that lands in your account without daily monitoring.
No Management Burden
No contractors, tenants, maintenance, or paperwork. We select, buy, manage, and distribute returns. You just open the app and receive.
Officially Documented Ownership
Your share is registered and documented through official channels. You're not in a fund or a promise — you're the real owner of a real share, with verifiable proof.
Everything From Your Phone
Browse opportunities, own your share, and track your investment from the app — no branch visits, no paperwork, and no waiting for someone to call you back.
Before an opportunity reaches you, it passes through us.
- 1
We search and compare
We track opportunities and weigh them against the available alternatives.
- 2
We study and assess
We study the property, its feasibility, its price, its returns and its risks.
- 3
We verify and inspect
We verify the documents, the information and the condition of the property.
- 4
We select and list
We list the opportunities that meet our criteria.
Every opportunity you see on Jozo went through study and verification before it was listed.
From choosing a property to tracking your investment.
1
Browse and compare
Discover the available opportunities and review the details that matter.
2
Choose and own
Pick the opportunity and the amount that suits you.
3
Receive your deed
Ownership officially documented in your name.
4
Track your investment
Receive your returns and follow your investment's performance in the app.
The property is yours. Managing it is on us.
Operations
We run and manage the property throughout the investment period.
Maintenance
We stay on top of the property's needs and keep it ready.
Collection
We follow the rents, the collection and the distribution of what is due.
You follow your ownership and your returns from your phone; we take care of everything behind it.
Why Jozo
The pillars we build trust on
Four pillars that form our foundation — invest with confidence, knowing where your money goes.
Trusted Regulatory Framework
We operate within REGA's Regulatory Sandbox, in full compliance with the regulatory controls that protect investors.
Transparency at Every Step
Detailed disclosures for every property, clear fees, and periodic reports that keep you connected to how your investment is performing.
Carefully Curated Properties
Every property goes through a multi-stage assessment before it is listed — location, condition, projected return, and risks disclosed.
Sharia Compliance
Our products are subject to independent Sharia oversight to ensure they comply with the principles of Islamic finance and real-estate investment.
Sharia Committee
All our products are subject to independent Sharia oversight to ensure compliance with Islamic finance and real estate investment principles.
Jozo Investor Stories
From the very first moment, the idea behind Jozo struck me as different and bold, and that is what made me enthusiastic about it despite the natural apprehension that comes with any new kind of investment. Over time the experience proved to be promising and well considered, and it gave me greater confidence in the future of this investment model. I am proud to have been among the first investors through the Jozo platform, and glad to be part of an experience I believe represents a new and distinctive future for investing.
Digital transformation in the real estate sector has opened new horizons for investors, and Jozo is an innovative model that makes investing in real estate assets possible in a modern, well organised way. My own experience has been excellent in terms of ease of use and clarity of information, and I believe solutions like this will help raise investment awareness and diversify real estate opportunities in the future.
An excellent experience that lets you invest in real estate with modest amounts and in complete safety. What I particularly like is the quarterly reports, which keep you in the picture as things progress, and that your right is protected and documented in your name in a deed from the real estate registry.
After years of using many digital platforms and services, I can say that Jozo delivered an exceptional investment experience in both ease of use and quality of execution. This was my first experience of fractional ownership of a residential property, and I was able to complete the entire process smoothly, clearly and with a high degree of confidence. The platform succeeded in turning a real estate investment process that had seemed complex into a simple, understandable digital journey, providing all the information an investor needs to make a decision. This level of professionalism and attention to the user experience makes Jozo a distinctive model in property technology and digital investment.
FAQ
Answers to your most common questions
Fractional ownership is an investment model that allows you to own a share of a property instead of buying it entirely. With Jozo, you can invest in income-generating luxury properties with lower amounts and receive regular rental returns.
It is the process of converting a property into organized fractional ownership shares that enable multiple investors to own portions of it in an official and manageable manner.
You choose a suitable real estate opportunity from our platform, then select the share size you wish to purchase. You then start receiving regular rental returns proportionate to your share.
We target an annual rental return of approximately 8.2%, in addition to a property value increase of around 30% over 3 to 4 years of investment.
Jozo operates under REGA's Regulatory Sandbox, with technical support from the Real Estate Registry (RER) for the issuance of fractional ownership deeds.
You can start fractional ownership with small amounts that fit your budget, as we offer various investment opportunities starting from low amounts.