住宅 '危機' 実験（する）s Saudi 改革（する） 運動
住宅 is a 可能性のある 雷 棒 for public discontent in Saudi Arabia, where affordable dwellings are beyond the reach of many
Saudi Arabia is building a futuristic megacity with 約束s of talking robots and 飛行機で行くing taxis, but for hundreds of thousands like academic Abdullah a simple dream remains elusive -- owning a home.
住宅 is a 可能性のある 雷 棒 for public discontent in a country where affordable dwellings are beyond the reach of many, 提起する／ポーズをとるing a 重要な challenge for 栄冠を与える Prince Mohammed 貯蔵所 Salman as he 捜し出すs to 精密検査する the oil-reliant economy.
For １０年間s, the once 税金-解放する／自由な petro-明言する／公表する dished out 利益／興味-解放する／自由な 住宅 貸付金s.
But Saudi Arabia is now 押し進めるing to 上げる mortgage lending in a contentious 政策 転換 that is squeezing the middle-class as it 半導体素子s away at its cradle-to-墓／厳粛／彫る／重大な 福利事業 in an 時代 of low oil prices.
For many like Abdullah, a 39-year-old father of three with a rented apartment in Riyadh, this has 延期するd the dream of building his own home on the city's 郊外s.
After more than a １０年間 on a waiting 名簿（に載せる）／表（にあげる） for an 利益／興味 -解放する／自由な 貸付金 from the kingdom's Real 広い地所 開発 基金, Abdullah says it referred him to a 商業の bank to take out a mortgage 価値（がある） 445,000 riyals ($119,000).
He used the money to start building a house on a 350,000 riyals 小包 of land for which he took a separate bank 貸付金, but construction had to be 停止（させる）d in May after he ran out of money.
始める，決める up in 1974, the 基金 is a 政府 （独立の）存在 linked to the 住宅 省, and covers about a ４半期/4分の1 of Abdullah´s 月毎の mortgage 支払い（額）.
For １０年間s, the once 税金-解放する／自由な petro-明言する／公表する dished out 利益／興味-解放する／自由な 住宅 貸付金s
But Abdullah says he is still left struggling to 支払う／賃金 off both 貸付金s that eat up 概略で half his 月毎の income of 20,000 riyals ($5,300) まっただ中に rising living costs.
"The (mortgage) system is destroying the middle class, it is 窒息させるing us," he told AFP outside his half-finished home, 勧めるing a return to the 利益／興味-解放する／自由な 貸付金s.
- '二重の 緊張' -
The 緊張する is felt more acutely by 41-year-old 政府 従業員 Majid, who earns only わずかに more than the 国家の 普通の／平均（する） 月毎の income of 14,820 riyals ($3,950).
Such lower middle-class 国民s are already struggling as the 政府 規模s 支援する 補助金s, 引き上げ（る）ing water, e lectricity and ガソリン prices and 課すing a five パーセント value-追加するd 税金.
He is の中で some 500,000 people said to remain on the 基金's waiting 名簿（に載せる）／表（にあげる） for 利益／興味-解放する／自由な 貸付金s, with a final 決定／判定勝ち（する） 推定する／予想するd by 2020.
The 基金 and the 住宅 省 did not 答える／応じる to AFP's requests for an interview.
"The 重要な to 演説（する）／住所ing the Saudi 住宅 危機 is... to 刺激する 私的な 部門 基金ing and 削減（する） the 長年の 依存 on 政府 補助金s," Saudi 専門家 Najah al-Otaibi told AFP.
Saudi Arabia is trying to 離乳する 国民s off 政府 largesse まっただ中に a 抱擁する 会計の 赤字, 事業／計画（する）d to reach $35 billion in 2019
But this is all a shock to many Saudis accustomed for １０年間s to cheap 貸付金s and a 税金-解放する／自由な lifestyle.
It 最高潮の場面s the petro-明言する／公表する's challenge in 離乳するing 国民s off 政府 largesse まっただ中に a 抱擁する 会計の 赤字, 事業／計画（する）d to reach $35 billion in 2019, or 4.2 パーセント of GDP.
"In Saudi Arabia, now there is a 二重の 緊張 -- first is to 供給する affordable 住宅 for the younger 世代 feeling the pinch of higher costs of living, 減ずるd 補助金s, and いっそう少なく 職業s," Karen Young, from the American 企業 学校／設ける, told AFP.
"Second is to broaden 財政上の services to 拡大する credit 製品s, and hope to 刺激（する） 消費者 growth. The latter has more chances of broader 経済成長 than returning to 解放する／自由な 政府 住宅 practices."
The world's 最高の，を越す oil 輸出業者 says it is 捜し出すing to partner with the 私的な 部門 to stump up billions of dollars to build around 1.5 million affordable homes in the coming years.
- 'Makes me angry' -
上げるing home 所有権 is one of the 重要な cornerstones of Prince Mohammad's 見通し 2030 改革（する） programme. Nearly half of the country's 20.7 million Saudis owned their own home in 2017, with hopes of reaching 70 パーセント by 2030.
The kingdom also wants to 減ずる the cost of an 普通の／平均（する） home by 2020 to five times the 普通の／平均（する） 年次の income, 負かす／撃墜する from 10 times the 年一回の salary in 2015.
Saudi Arabia has only a 選び出す／独身 digit mortgage 侵入／浸透, one of the lowest の中で G20 countries, によれば the Arab News daily.
The 住宅 省, which has 発表するd 多重の 住宅 計画／陰謀s to 緩和する the 危機, says it 捜し出すs to 増加する total mortgages to 502 billion riyals ($134 billion) by 2020, up from 290 billion riyals ($77 billion) in 2017.
Some Saudis have 発言する／表明するd 憤慨 over continued 明言する／公表する spending on grand 事業／計画（する）s like NEOM, a planned $500 billion mega city in the kingdom's northwest
But some Saudis are 押し進めるing 支援する, 発言する／表明するing 憤慨 over continued 明言する／公表する spending on grand 事業／計画（する）s like NEOM, a planned $500 billion mega city in the kingdom's northwest, while many cannot afford homes.
"Where is the 250 billion riyals?" has been a 最近の 差し控える on social マスコミ.
It 言及するs to the $67 billion 配分するd to the 住宅 省 in 2011 by the then King Abdullah, 明らかに to 演説（する）／住所 popular discontent as Arab Spring 抗議するs swept the 地域.
For Majid, who waited for years for a 貸付金 from the 基金, the 現在の シナリオ means he can only rent a small place rather than 購入（する）ing a house.
"When my eight-year-old daughter has to change her 着せる／賦与するs in 前線 of her brothers, I feel ashamed I don't have a bigger house of my own," Majid told AFP, requesting that his real 指名する be withheld.
"It makes me angry."
