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959 postsTutorials, case studies, and field notes from the engineers and reviewers shipping with agents at Noqta.
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956 posts · sorted by dateHonour Loan Platform: Where to File Before 1 October 2026
There is no single national platform. BCT Circular 2026-08 gives every bank its own from 1 October. How to spot the real one and prepare your application.
Saudi VAT Exemptions 2026: Supplies, Not Institutions
What is actually exempt from Saudi VAT under Chapter Five of the Implementing Regulations, why private education and healthcare are not, and the threshold effect.
Saber: Supplier Name and CR Number Required on Products
The Saudi Standards, Metrology and Quality Organization has issued a circular to Saber platform users requiring the supplier name, whether importer or local manufacturer, and its commercial registration number to be marked on the product as part of the labelling information requirements, across ten technical regulations effective 1 October 2026. SASO will verify compliance through the data submitted via Saber, and penalties under the Product Safety Law and its Executive Regulations apply to violators.
Saudi Annual Leave Salary: Article 109, 111 + Free Tool
How annual leave balance and leave salary are calculated under Saudi Labor Law Articles 109, 110 and 111: accrual, the actual-wage base, SAR examples, free calculator.
Saudi End of Service Gratuity: Article 84, 85 + Calculator
How end-of-service gratuity is calculated under Saudi Labor Law Articles 84 and 85: actual-wage base, resignation tiers, worked SAR examples, free calculator.
Saudi Overtime Calculation: Article 107 + Free Calculator
How Article 107 of the Saudi Labor Law actually computes overtime: hourly wage on total pay plus 50% of basic, Ramadan and holiday hours, riyal examples.
Saudi Arabia's New Procurement Law: What Changed and When
Saudi Arabia published a new Government Tenders and Procurement Law in Umm al-Qura on 22 Rabi al-Awwal 1448H, 4 September 2026. Its 101 articles replace the law issued under Royal Decree M/128 of 13/11/1440H, and it takes effect 120 days after publication, at the start of January 2027. Article 51 raises the delegation ceiling to SAR 50 million and Article 70 caps late-delivery penalties at 15 percent outside supply contracts.
Phantom Saudization: SAR 20,000 Is the Floor
The phantom Saudization fine is a floor, not a ceiling: double the contributions or SAR 20,000, whichever is higher, per case. The real exposure maths.
Saudi Credit Notes: The 15-Day Deadline and the Later Rule
A Saudi credit or debit note has a 15-day deadline added in 2024, and a whichever-is-later rule that decides which VAT return your refund actually lands in.
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