Mourabaha financing in Morocco
Compare participatory property financing from participatory banks — interest-free, with a fixed margin known in advance.
Participatory financing: how does it work?
Mourabaha is the most common form of participatory property financing in Morocco. Instead of lending money at interest, the bank buys the property you want and resells it to you at a price marked up by a fixed margin, known and agreed from the outset. You then repay that amount in constant monthly instalments, with no interest (riba).
The amounts below are indicative. In Mourabaha, the displayed “rate” is an equivalent annual margin used for comparison, not an interest rate. Final terms are set by each participatory bank.
The 5 participatory banks compared
Frequently asked questions
What is Mourabaha financing?+
Mourabaha is a participatory financing method compliant with Islamic finance: the bank buys the property then resells it to you at a price marked up by a margin known in advance, repayable in fixed monthly instalments. There is no interest (riba).
What is the difference from a conventional home loan?+
In a conventional loan, the bank lends money at a variable or fixed interest rate. In Mourabaha, the bank resells a property with a fixed margin: the total cost is known from the start and does not change.
Which banks offer Mourabaha in Morocco?+
Licensed participatory banks in Morocco include Umnia Bank, Bank Assafa, Al Akhdar Bank, BTI Bank, Dar Al Amane.
5 offers compared
Personalised results for your participatory financing
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.
According to published rate grids, 5 banks offer this loan for your profile (Permanent). Indicative rates from 5.59% to 5.79%.
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Estimated purchase costs: ~66.920 MAD
Registration duties, land registry, notary — on top of your down payment.
Total project budget : 866.920 MAD · Property price + purchase costs
Your loan over time
over 20 years — for the best offer
Prepayment
What if I prepay a lump sum?
Interest saved
80.460 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.
Payment: 4.435 MAD/month
Net monthly cash flow
-735 MAD/month
i.e. -8.821 MAD / year
Rent covers 83% 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.