Borrowing capacity
How much can you borrow on a MAD 50,000 salary in Morocco?
With MAD 50,000 net per month, the maximum payment banks accept is about MAD 20,000 (40% rule). Over 25 years at 4.5%, that is a loan of about MAD 3,598,000.
Updated 10 October 2026
Borrowing capacity on MAD 50,000 by rate and term
| Term | 4.25% | 4.50% | 5.00% | 5.50% |
|---|---|---|---|---|
| 15 years | MAD 2,659,000 | MAD 2,614,000 | MAD 2,529,000 | MAD 2,448,000 |
| 20 years | MAD 3,230,000 | MAD 3,161,000 | MAD 3,031,000 | MAD 2,907,000 |
| 25 years | MAD 3,692,000 | MAD 3,598,000 | MAD 3,421,000 | MAD 3,257,000 |
What surface does MAD 3,598,000 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 | ≈ 576 m² |
| Meknès | ≈ 533 m² |
| Fès | ≈ 464 m² |
| Kénitra | ≈ 423 m² |
| El Jadida | ≈ 389 m² |
| Tétouan · Martil · Cabo Negro | ≈ 379 m² |
| Agadir | ≈ 360 m² |
| Tanger | ≈ 335 m² |
| Mohammedia | ≈ 327 m² |
| Marrakech | ≈ 300 m² |
| Casablanca | ≈ 288 m² |
| Essaouira | ≈ 288 m² |
| Rabat | ≈ 267 m² |
FAQ
How much can I borrow on MAD 50,000 in Morocco?
About MAD 3,598,000 over 25 years and MAD 3,161,000 over 20 years at 4.5%, for a maximum payment of MAD 20,000 (40% of net salary).
What can I buy on MAD 50,000?
With a 25-year loan the budget is about MAD 3,598,000, plus MAD 239,000 of purchase costs paid from savings. At the average new-build price, that is for example about 464 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.