Moroccans living abroad
Mortgage calculator for Moroccans living abroad
Living in France, Belgium, Spain, Canada or elsewhere? Enter your income in your currency: we calculate your payment, your borrowing capacity in Morocco and the cash you need.
Updated 10 October 2026
- Financed amount (80% of price)
- MAD 960,000
- Minimum deposit (20%)
- MAD 240,000
- Purchase costs (≈ 7%)
- MAD 80,900
- Total cash needed
- MAD 320,900
- Payment / income
- 14 %
- Maximum price your income can finance
- MAD 3,400,305
How do Moroccans abroad get a mortgage in Morocco?
Most Moroccan banks have dedicated offers. They usually finance 70 to 80% of the price over 20 to 25 years, with repayments capped around 40% of net income. Applications are often handled remotely, through a branch abroad or online.
Why use a convertible dirham account?
Funds sent from abroad to a convertible dirham account guarantee the right to repatriate the price and the capital gain in foreign currency when you sell.
Can you buy without travelling to Morocco?
Yes: a representative can sign with a notarised power of attorney issued at the consulate. Developers accept international transfers.
FAQ
What deposit do Moroccans abroad need?
Usually 20 to 30% of the price, plus purchase costs (about 7%). The calculator starts from 20%.
What is the maximum term?
Often 20 to 25 years, depending on age and bank.
Is income in euros accepted?
Yes, converted to dirhams. Banks apply a debt ratio of about 40% of net income.
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.