Peace, mercy, and blessings of God be upon you. I am a private sector employee in a reputable company with a salary of 25,350 SAR. I wish to settle arrears and obtain a new consolidated loan. Approved banks: Riyad Bank, Al Rajhi Bank, SAB. Existing commitments: Riyad Bank: 1. Personal loan early settlement: 271,000 2. Increasing real estate loan: 1,227,970 Tamam: 9517 Imkan: 15255 Ejara: 14008 Total arrears are 25,000, and the default has not been registered with Simah, but there is a service suspension execution for 7,200. Note: My salary has been deposited into Al Rajhi for 3 months. Previously, it was with Riyad. Any office or financing entity that can consolidate these commitments, please contact me privately. Thank you.