Chargement...
Baghi Dar
Chargement...
Calculate your monthly payments for each Moroccan bank. Choose the bank, price, and term, and get an instant estimate.
Montant : 100.000 MAD
Mensualité estimée
2.640 MAD
/ mois
Montant emprunté
400.000 MAD
Intérêts totaux
233.558 MAD
Coût total du crédit
633.558 MAD
Répartition du coût
Example for a loan of 400,000 MAD over 20 years (property at 500,000 MAD with 20% down payment)
| Bank | Min rate | Max rate | Approx. monthly | Total cost | Benefits |
|---|---|---|---|---|---|
🏦CIH Bank | 4.5% | 5.5% | 2,640 MAD | 633,600 MAD | CIH mortgage, financing up to 25 years, deferred payment available |
🏛️Attijariwafa Bank | 4.8% | 5.8% | 2,707 MAD | 649,680 MAD | Dari mortgage, up to 100% coverage, life insurance included |
🏢BMCE Bank of Africa | 4.6% | 5.6% | 2,662 MAD | 638,880 MAD | BMCE mortgage, co-financing available, grace period |
🏪Banque Populaire | 4.7% | 5.7% | 2,684 MAD | 644,160 MAD | Banque Populaire mortgage, no application fees, fast financing |
🏬Société Générale Maroc | 5% | 6% | 2,752 MAD | 660,480 MAD | Flexible financing solutions, transfer possible from another bank, personal advice |
Obtaining a mortgage in Morocco requires preparing a complete file. Here are the key steps:
Prepare your file
Gather the documents: ID card, last 3 bank statements, employment certificate, last 3 pay slips, residence certificate, sales agreement or promise of sale.
Determine your purchasing capacity
Calculate your monthly net income and multiply by 40% — this is the monthly payment ceiling accepted by the bank.
Compare bank offers
Compare interest rates, application fees, and insurance between Moroccan banks. Use the simulator above to estimate monthly payments.
Submit the application
Submit your file to the chosen bank. The credit committee will review your application and decide within 1–3 weeks.
Sign the contract
After approval, you will sign the loan contract at the notary. Read all terms carefully before signing.
💡 Important tip
Don't forget the additional costs: registration fees (1% of the price), notary fees, life insurance. Budget about 3–5% of the property price on top.
Current rates vary between 4.5% and 6% depending on the bank and your profile. CIH offers the lowest rate starting at 4.5% for excellent profiles.
The maximum term is 25 years. The longer the term, the lower the monthly payment but the higher the total interest paid.
Moroccan banks generally require a down payment between 10% and 20% of the property price. Some banks offer up to 100% financing for certain profiles.
Yes, most Moroccan banks offer mortgages to MRE with preferential terms and foreign currency accounts.
Generally between 1 and 3 weeks after submitting a complete file. Complete files with good income are processed faster.
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