Continued demographic expansion combined with inadequate policy support and development incentives has led to an acute gap in home ownership in Saudi Arabia. Exorbitant cost of land and construction of independent houses have aggravated the situation and as a consequence, many Saudi citizens and residents do not own homes.
The Ministry of Housing (MOH) has aggressively pursued a series of reforms that anchor on stimulating the supply and demand for houses, and enabling the private sector to participate with full capacity. One such initiative is the Mullak Saudi Arabia’s Home Owners Association Program (HOA), managed by National Housing Services Company (NHSC).
Mullak is a transformational initiative that aims at increasing home ownership by systematically targeting ownership of homes in jointly owned property (JOP). The program comprehensively addresses the residential housing situation and allows formation of legal entities – home owners’ associations – to represent the collective interest of home owners. It achieves this by setting in place appropriate regulations, guidelines and operation frameworks under which the associations can operate, and developers and owners can understand their rights and obligations. The program also proactively nurtures new service industries in an innovative manner to support HOAs and homeowners.
Below is the response for the specific questions.

https://mullak.housing.sa/

• Saudi Arabia

The project can be replicated in any other country that is looking to develop its home owner's association.

Yes, by obtaining government support

• Access to information and knowledge: o Beneficiaries can access, manage, and inquire about their Mullak account online. • ICT applications: benefits in all aspects of life o The service is provided through a web portal, title deed verification is dome electronically through the integration with the Ministry of Justice, payments are made electronically through the integration with the payment service (SADAD). • International and regional cooperation o With cooperation with other government services and departments and electronic integration we can automate most of the process and provide the service as fast and accurate as possible.