Borrowing capacity
How much can you borrow on a MAD 20,000 salary in Morocco?
With MAD 20,000 net per month, the maximum payment banks accept is about MAD 8,000 (40% rule). Over 25 years at 4.5%, that is a loan of about MAD 1,439,000.
Updated 10 October 2026
Borrowing capacity on MAD 20,000 by rate and term
| Term | 4.25% | 4.50% | 5.00% | 5.50% |
|---|---|---|---|---|
| 15 years | MAD 1,063,000 | MAD 1,046,000 | MAD 1,012,000 | MAD 979,000 |
| 20 years | MAD 1,292,000 | MAD 1,265,000 | MAD 1,212,000 | MAD 1,163,000 |
| 25 years | MAD 1,477,000 | MAD 1,439,000 | MAD 1,368,000 | MAD 1,303,000 |
What surface does MAD 1,439,000 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 | ≈ 230 m² |
| Meknès | ≈ 213 m² |
| Fès | ≈ 186 m² |
| Kénitra | ≈ 169 m² |
| El Jadida | ≈ 156 m² |
| Tétouan · Martil · Cabo Negro | ≈ 151 m² |
| Agadir | ≈ 144 m² |
| Tanger | ≈ 134 m² |
| Mohammedia | ≈ 131 m² |
| Marrakech | ≈ 120 m² |
| Casablanca | ≈ 115 m² |
| Essaouira | ≈ 115 m² |
| Rabat | ≈ 107 m² |
FAQ
How much can I borrow on MAD 20,000 in Morocco?
About MAD 1,439,000 over 25 years and MAD 1,265,000 over 20 years at 4.5%, for a maximum payment of MAD 8,000 (40% of net salary).
What can I buy on MAD 20,000?
With a 25-year loan the budget is about MAD 1,439,000, plus MAD 97,000 of purchase costs paid from savings. At the average new-build price, that is for example about 186 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.