Borrowing capacity
How much can you borrow in Morocco on your salary?
Moroccan banks usually cap repayments at 40% of net income. Enter your salary to see the loan amount and the matching purchase budget.
Updated 10 October 2026
- Maximum payment (40%)
- MAD 6,000
- Purchase budget (7% costs from savings)
- MAD 1,149,030
Borrowing capacity by salary
25 years at 4.5%, payment capped at 40% of net salary, excluding insurance.
| Net salary | Borrowing capacity (25 yrs) | Payment, 25 yrs |
|---|---|---|
| MAD 4,000 | MAD 288,000 | MAD 1,600 |
| MAD 5,000 | MAD 360,000 | MAD 2,000 |
| MAD 6,000 | MAD 432,000 | MAD 2,400 |
| MAD 7,000 | MAD 504,000 | MAD 2,800 |
| MAD 8,000 | MAD 576,000 | MAD 3,200 |
| MAD 10,000 | MAD 720,000 | MAD 4,000 |
| MAD 12,000 | MAD 864,000 | MAD 4,800 |
| MAD 15,000 | MAD 1,079,000 | MAD 6,000 |
| MAD 20,000 | MAD 1,439,000 | MAD 8,000 |
| MAD 25,000 | MAD 1,799,000 | MAD 10,000 |
| MAD 30,000 | MAD 2,159,000 | MAD 12,000 |
| MAD 40,000 | MAD 2,879,000 | MAD 16,000 |
| MAD 50,000 | MAD 3,598,000 | MAD 20,000 |
FAQ
How much can I borrow on MAD 10,000 in Morocco?
About MAD 720,000 over 25 years and MAD 632,000 over 20 years at 4.5%, for a maximum payment of MAD 4,000 (40% of net salary).
What can I buy on MAD 10,000?
With a 25-year loan the budget is about MAD 720,000, plus MAD 49,000 of purchase costs paid from savings. At the average new-build price, that is for example about 93 m² in Fès.
Can debt exceed 40% of income?
Some banks accept up to 45% for high earners or civil servants. A co-borrower or a larger deposit also raises the budget.
With this budget, we find the home that fits
City, neighbourhood, size: an ABRAJ advisor searches for the property within your budget. Free, no commitment.
Indicative calculations: fixed rate, constant payments, excluding insurance and bank fees. Only the bank’s loan offer is binding.