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Bank of Africa (BMCE) home loan simulation 2026

Simulate your home loan and compare Bank of Africa (BMCE) with other Moroccan banks.

MAD

Max debt ratio: 45%

MAD
200 000 MAD5 000 000 MAD

Instant estimate

Property price

800.000 MAD

Down payment

20% (160.000 MAD)

To borrow

640.000 MAD

Term

20 years

Personalised results in under 2 seconds — 100% free

Bank of Africa (formerly BMCE) combines a Moroccan and pan-African presence, with experience of international and foreign-currency-income profiles. Estimate your Bank of Africa home loan below and compare its payment with other market banks before choosing.

13 offers compared

Personalised results for your property project

Amount borrowed
640.000 MAD
Term
20 years
Best monthly payment
4.215 MAD/month
Accessible offers
13 banks

Indicative rates — updated: September 2026

Rates and monthly payments are indicative, based on banks’ public rate schedules — last updated September 2026. Confirm the exact offer with the bank.

Sources: Bank Al-Maghrib, Tamwilcom, Ministry of Housing

Indicative simulation, not a credit offer. CréditMaroc is not a credit institution.

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Your loan over time

over 20 years — for the best offer

0326k653k036912151820
Principal repaidRemaining balanceCumulative interest

Prepayment

What if I prepay a lump sum?

MAD/month

Interest saved

68.807 MAD

Term shortened

3 yr 4 mo

Planning to rent this property? Enter the expected monthly rent to estimate your net cash flow after the payment.

MAD

Payment: 4.215 MAD/month

Net monthly cash flow

-515 MAD/month

i.e. -6.179 MAD / year

Rent covers 88% of the payment

Disclaimer: Indicative rates updated regularly. Displayed rates are for information only and may vary with your profile, banking history and market conditions. Contact banks directly for personalised, contractual offers.

Rates updated as of September 2026Reference framework: Bank Al-Maghrib policy rate.

Frequently asked questions

Is Bank of Africa suited to foreign-currency income?

Internationally-oriented banks are used to foreign-currency-income files. Still compare several offers: the same profile is treated differently from one bank to another.

What payment for my project at Bank of Africa?

It depends on the amount borrowed, the term and the rate. Enter your figures in the simulator above for an immediate estimate, to be confirmed by the bank.

Indicative simulation, not contractually binding. Real rates and premiums depend on your file and the institution.