If you buy off-plan in Makkah or Madinah from a Wafi-licensed project, your reservation money goes into a project escrow account at a licensed bank, and a developer can take no more than 5% of a unit's value as a reservation. You can check the licence, escrow bank and account number on REGA's public enquiry before you pay. The sources do not yet say what happens if building stops. Information, not legal or financial advice. — transcript and sources: https://zullfa.com/podcast/due-diligence-buying-off-plan