Guides & advice
Everything you need to know to buy, finance and insure a property in Morocco.
How to buy your first property in Morocco — the complete guide
Budget, down payment, choosing the property, loan, notary and fees: the first-time buyer’s full journey in Morocco, step by step.
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Home loan in Morocco: the step-by-step process and the documents to provide
From simulation to loan approval: how a home-loan application unfolds and the documents to gather.
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How to check a property before buying in Morocco
Land title, mortgages, condition, charges: the checklist of verifications before signing.
Read the guideDo you need home insurance in Morocco? What to know
Mandatory or not, which cover, at what price: the essentials on home insurance in Morocco.
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Mourabaha financing vs conventional home loan: how to choose
Fixed margin or interest, transparency, total cost: how to choose between mourabaha and a conventional loan.
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Borrowing capacity: how to calculate it before starting your search
The 45% rule, the impact of term and down payment: calculate what you can borrow.
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Fixed or variable rate: which to choose in Morocco
The security of a fixed rate or the flexibility of a variable one: the comparison to choose well in Morocco.
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Home loan rates in Morocco in 2026: what to expect
2026 rate ranges, the difference between rate and APR, and the levers to secure the best offer.
Read the guideNotary fees and acquisition costs in Morocco: the full calculation
Registration duties, land registry, fees: the detail of the ~6 to 8% of costs to plan on top of the price.
Read the guideFOGARIM and Damane Assakane: the state-guaranteed home loan
Two public guarantee schemes to access ownership with modest or middle incomes.
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Documents required for a home loan in Morocco
The checklist of documents to gather — identity, income, statements and sale agreement — for a strong file.
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Borrower insurance in Morocco: what to know before signing
Mandatory with a loan, it weighs on the total cost: understand it and negotiate it.
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Home loan for Moroccans abroad (MRE): buying in Morocco from overseas
Financing a purchase in Morocco from abroad: MRE-specific conditions, loan currency, down payment, documents and pitfalls to avoid.
Read the guideLoan buyback in Morocco: consolidate and lower your monthly payments
Too many monthly payments, a rate that has become too high? A loan buyback lets you consolidate or renegotiate your loans. Principle, benefits and limits in Morocco.
Read the guideThe best banks for a mortgage in Morocco in 2026
The best bank depends on your profile, not the size of the logo. A 2026 comparison by use case: first-time buyer, MRE, expat and Mourabaha.
Read the guideParticipative (Islamic) banks in Morocco: the 2026 comparison
Umnia, Bank Al-Yousr, Bank Assafa, Al Akhdar Bank, Dar Al Amane, BTI Bank: what sets Morocco’s participative banks apart and how to choose in 2026.
Read the guideThe amortization schedule of a mortgage in Morocco: how to read it
Principal, interest, outstanding balance: learn to read your loan’s amortization schedule — and what it reveals about the real cost.
Read the guideBank Assafa: Mourabaha financing, monthly payment and cost
Bank Assafa finances property via Mourabaha. Principle, how the monthly payment and total cost are calculated, and what to check before committing.
Read the guideBest mortgage rate in Morocco: how to get it in 2026
What determines your rate, the ranges seen in 2026, and concrete levers to negotiate a better offer from Moroccan banks.
Read the guideDown payment for a mortgage in Morocco: how much to plan for?
How much down payment to plan for a mortgage in Morocco, what it actually funds, and why it lowers your rate.
Read the guideMortgage with no down payment in Morocco: is it possible?
Financing a purchase with no down payment in Morocco: when it is possible, what banks require in return, and the alternatives.
Read the guideDebt-to-income ratio in Morocco: the 45% rule explained
Your debt ratio decides your borrowing capacity. How it is calculated, the ~45% limit, and the levers to improve it.
Read the guideEarly mortgage repayment in Morocco: what you need to know
Clearing your loan sooner: how early-repayment penalties work in Morocco and when the move pays off.
Read the guideMortgage costs in Morocco: the complete list
Beyond the property price, a purchase generates several costs. The complete list to build a realistic budget.
Read the guideMortgage for civil servants in Morocco: conditions and advantages
Civil-servant status reassures banks. Advantages, dedicated repayment mechanisms and levers to secure good terms.
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Consumer credit in Morocco: types, cost and pitfalls to avoid
Affected, personal or revolving: how to choose, read the real cost and avoid the pitfalls of consumer credit in Morocco.
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Car loan in Morocco: financing your car at the best cost
Classic loan, lease with a purchase option or the dealer’s offer: how to finance your car at the best cost in Morocco.
Read the guideCar insurance in Morocco: cover, price and how to pay less
Mandatory third-party liability, optional cover and price factors: everything to pay a fair price for car insurance in Morocco.
Read the guideHome loan simulation in Morocco: how it works and why to compare before signing
What a home loan simulation actually calculates, the data it uses, and why comparing several banks before signing can change your total loan cost.
Read the guideHome loan rates in Morocco today: where the banks stand
A short, factual take on home loan rates in Morocco: what influences them, why they move, and how to secure the best rate for your file. Updated regularly.
Read the guideCar insurance online in Morocco: how to subscribe and compare in 2026
How to take out car insurance online in Morocco, what changes versus a physical branch, and what to check before confirming: deductible, cover and exclusions.
Read the guideRMA Assurance or an alternative? A neutral comparison of car insurance in Morocco
A factual, neutral comparison for choosing car insurance in Morocco: RMA’s place among the big insurers, and the right method to compare without relying on the name alone.
Read the guideCar loan simulator in Morocco: estimate your monthly payment before buying
Before buying your car, simulate the financing: monthly payment, term and total cost. How to use a car loan simulator in Morocco and why to compare before signing.
Read the guideHome loan and insurance in Morocco from France: the guide for MREs
Living in France and want to finance a property or insure a vehicle in Morocco? Documents to gather from abroad, powers of attorney, international transfers and how to compare offers remotely.
Read the guideFOGARIM / Damane Assakane: the complete list of documents to prepare
An incomplete file is the main cause of delay. Here is the complete list of documents to gather for a FOGARIM or Damane Assakane application, by status.
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FOGARIM home loan: civil servant, employee or self-employed — who is entitled to what?
Civil servant, private-sector employee or self-employed: your professional status decides the best-suited scheme. A clear comparison, profile by profile.
Read the guideFOGARIM and social housing in Morocco: what is the link, and how does it work
Social housing and FOGARIM are two different but complementary things: one is about the type of housing, the other about the financing. How to combine them.
Read the guideHow long does a home loan file take in Morocco: real timelines step by step
From filing the application to the release of funds: the real timelines of a home loan in Morocco, step by step, and what lengthens or shortens them.
Read the guideCrédit construction maison au Maroc : financer le terrain et les travaux
Acheter un terrain puis faire construire avec un crédit bancaire au Maroc : ce que les banques financent, comment les fonds sont débloqués et comment préparer un dossier solide.
Read the guideCalculating your mortgage monthly payment in Morocco: the method (2026)
Loan amount, rate and term: understand how a mortgage simulator calculates your monthly payment in Morocco, and how changing each input adjusts it to your budget.
Read the guideCar loan or leasing (LOA) in Morocco: which to choose in 2026?
Buy your car on credit or finance it with leasing (LOA)? We compare ownership, real cost, down payment and flexibility to help you decide in Morocco.
Read the guideFinancing your car with Mourabaha in Morocco: participatory car financing
Buy a car in line with participatory finance principles: we explain how Mourabaha car financing works in Morocco, its fixed margin, and how it differs from a classic car loan.
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