Oujda guide
First-time buyer in Oujda: the guide
First purchase in Oujda: what budget, which areas, what support and which steps? A step-by-step guide with new-build prices.
The most affordable areas in Oujda
| Neighbourhood | Studio (≈ 40 m²) | 1-bedroom (≈ 65 m²) |
|---|---|---|
| Centre · Lazaret · Al Qods | MAD 220,000 – MAD 340,000 | MAD 360,000 – MAD 550,000 |
| Saïdia (seaside resort) | MAD 320,000 – MAD 560,000 | MAD 520,000 – MAD 910,000 |
Indicative 2025-2026 new-build benchmarks tracked by ABRAJ (price per m² by neighbourhood), before purchase costs. ABRAJ publishes no listings: an advisor searches for the matching property.
The Daam Sakane housing aid
The direct housing aid (2024-2028 programme) pays MAD 100,000 for a new home up to MAD 300,000 incl. VAT, and MAD 70,000 between 300,001 and 700,000, to first-time buyers with no other home in Morocco who live in it as their main home.
In Oujda, a 1-bedroom can fit under the MAD 700,000 cap in these areas: Centre · Lazaret · Al Qods, Saïdia (seaside resort). Conditions to check at the time of purchase.
Financing a 1-bedroom in Centre · Lazaret · Al Qods
| Price | MAD 460,000 |
| 20% down payment | MAD 90,000 |
| Purchase costs (≈ 7%) | MAD 30,000 |
| Cash needed (down payment + costs) | MAD 120,000 |
| Loan amount | MAD 370,000 |
| Monthly payment, 20 years (4.5%) | MAD 2,300 |
| Monthly payment, 25 years | MAD 2,100 |
| Recommended net income (25 years) | MAD 5,300 |
Excluding insurance, indicative 2026 fixed rate. Banks usually cap repayments at 40% of net income. Prices based on new-build benchmarks, to be confirmed property by property.
First-purchase steps
1. Work out your borrowing capacity (40% of net income) and gather the down payment + costs (≈ 7%).
2. Choose the area around your daily commutes, then the development.
3. Check the land title, building permit and specifications.
4. Reserve, get the loan approved, sign at the notary.
5. Follow the payment calls until handover and the final deed.
More guides on Oujda
The same guide for other cities
- First-time buyer in Casablanca: the guide
- First-time buyer in Rabat: the guide
- First-time buyer in Marrakech: the guide
- First-time buyer in Tangier: the guide
- First-time buyer in Agadir: the guide
- First-time buyer in Fez: the guide
- First-time buyer in Meknes: the guide
- First-time buyer in Kenitra: the guide
- First-time buyer in Tetouan: the guide
- First-time buyer in El Jadida: the guide
- First-time buyer in Essaouira: the guide
- First-time buyer in Mohammedia: the guide
Frequently asked questions
What salary for a first purchase in Oujda?
For a 1-bedroom in Centre · Lazaret · Al Qods (MAD 460,000), the monthly payment is about MAD 2,100 over 25 years: aim for a net income of about MAD 5,300.
What is the cheapest area in Oujda?
Centre · Lazaret · Al Qods, at 5,500 – 8,500 MAD/m² for new builds.
A project in Oujda?
Describe your project: an ABRAJ advisor shortlists the new developments that fit your budget, free and with no commitment.
Last updated: 2026-10-20