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Home loans in Morocco

Mortgage calculator for Morocco

Monthly payment, borrowing capacity, purchase costs: prepare your purchase in two minutes, then tell us what you are looking for. We find the property that fits your budget.

  • Instant, free, no sign-up
  • Indicative 2026 rates from Moroccan banks
  • Notary and registration fees included
MAD
20% of the price
MAD
Loan term
Indicative fixed rates 2026: 4.25% to 5.5% depending on profile.
%
Estimated monthly paymentMAD 6,970 / month
Loan amount
MAD 1,200,000
Total interest
MAD 800,997
Estimated purchase costs
MAD 100,700
Recommended net income
MAD 17,425
Find a home within this budget

Total cost of credit

Loan amount
MAD 1,200,000
Total interest
MAD 800,997
Insurance cost
MAD 90,000
Total cost of credit
MAD 890,997

Purchase costs breakdown

Registration duties (4%)
MAD 60,000
Land registry (1.5% + fixed fees)
MAD 22,700
Notary fees (≈ 1% + VAT)
MAD 16,500
Sundries
MAD 1,500
Estimated purchase costs
MAD 100,700

With this budget, we find the home that goes with it.

Describe your project: city, neighbourhood, property type. An ABRAJ advisor searches for you, free of charge.

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How is a mortgage payment calculated in Morocco?

Moroccan banks mostly offer fixed rates with constant monthly payments. The payment depends on the loan amount (price minus deposit), the term (up to 25 years, sometimes 30) and the interest rate. Early on, interest makes up a large share; it shrinks every month as more principal is repaid, as the amortisation schedule shows.

Mandatory life and disability insurance, based on the borrowed capital, comes on top.

Mortgage rates in Morocco in 2026

Fixed rates observed in 2025-2026 generally range from 4.25% to 5.5% depending on the bank, term, deposit and income stability. Civil servants and employees of large companies often benefit from agreements. Comparing banks and negotiating insurance lowers the total cost.

What deposit do you need to buy an apartment in Morocco?

A salaried resident can sometimes finance up to 100% of the price, but purchase costs (≈ 6 to 7.5%: registration, land registry, notary) must be paid from savings. For Moroccans living abroad, banks often finance 70 to 80%. A 10-20% deposit improves both the rate and the bank’s decision.

Debt-to-income: the 40% rule

In Morocco, your total loan repayments should generally not exceed 40% (sometimes 45%) of net income. The “borrowing capacity” tab uses this rule to estimate the maximum you can borrow and the property price you can target.

Mortgage FAQ

Is this mortgage calculator free?

Yes, it is free and requires no sign-up. Results are indicative and computed in your browser.

What loan term should I choose in Morocco?

The most common term is 20 to 25 years. A longer term lowers the payment but increases total interest.

How much can I borrow with a MAD 10,000 salary?

With the 40% rule, the maximum payment is about MAD 4,000, i.e. roughly MAD 720,000 over 25 years at 4.5%, excluding insurance.

Can notary fees be financed?

Rarely. Banks finance the property price; purchase costs (≈ 7%) are usually paid from savings.

Can a Moroccan living abroad get a mortgage in Morocco?

Yes. Most Moroccan banks have offers for Moroccans living abroad, often financing up to 70-80% of the price.

Indicative simulation, excluding bank arrangement fees. Rate, insurance and required deposit depend on your profile and each bank: only the loan offer is binding.

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