I want to settle a real estate and personal loan and refinance from any entity. My contract is with Al Rajhi Bank. 1- Saudi Finance Company: 3 months arrears, total debt 103 thousand. 2- Al Rajhi Bank Personal Loan: 35,500 thousand. 3- Al Rajhi Visa: 3,100 riyals. 4- Al Rajhi Real Estate Loan: Early settlement of 370 thousand, 8 years and 9 months remaining on the contract. The real estate loan is subsidized with 1,879 riyals.