Borrowing capacity
How much can you borrow on a MAD 12,000 salary in Morocco?
With MAD 12,000 net per month, the maximum payment banks accept is about MAD 4,800 (40% rule). Over 25 years at 4.5%, that is a loan of about MAD 864,000.
Updated 10 October 2026
Borrowing capacity on MAD 12,000 by rate and term
| Term | 4.25% | 4.50% | 5.00% | 5.50% |
|---|---|---|---|---|
| 15 years | MAD 638,000 | MAD 627,000 | MAD 607,000 | MAD 587,000 |
| 20 years | MAD 775,000 | MAD 759,000 | MAD 727,000 | MAD 698,000 |
| 25 years | MAD 886,000 | MAD 864,000 | MAD 821,000 | MAD 782,000 |
What surface does MAD 864,000 buy in Moroccan cities?
Indicative surface at each city’s average new-build price per m². Less in prime areas, more in the suburbs.
| City | Surface at average price |
|---|---|
| Oujda | ≈ 138 m² |
| Meknès | ≈ 128 m² |
| Fès | ≈ 111 m² |
| Kénitra | ≈ 102 m² |
| El Jadida | ≈ 93 m² |
| Tétouan · Martil · Cabo Negro | ≈ 91 m² |
| Agadir | ≈ 86 m² |
| Tanger | ≈ 80 m² |
| Mohammedia | ≈ 79 m² |
| Marrakech | ≈ 72 m² |
| Casablanca | ≈ 69 m² |
| Essaouira | ≈ 69 m² |
| Rabat | ≈ 64 m² |
FAQ
How much can I borrow on MAD 12,000 in Morocco?
About MAD 864,000 over 25 years and MAD 759,000 over 20 years at 4.5%, for a maximum payment of MAD 4,800 (40% of net salary).
What can I buy on MAD 12,000?
With a 25-year loan the budget is about MAD 864,000, plus MAD 59,000 of purchase costs paid from savings. At the average new-build price, that is for example about 111 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.