Down payment for a mortgage in Morocco: how much to plan for?
Updated on 9 September 2026
How much down payment to plan for a mortgage in Morocco, what it actually funds, and why it lowers your rate.
The essentials in questions
How much down payment do you need for a mortgage in Morocco?
Banks generally ask for 10 to 20% of the property price. On top of that come acquisition costs (~6 to 7%), which are usually not financed by the loan.
What is the down payment for?
It covers the share of the price not financed by the bank and often the acquisition costs (registration duties, notary, land registry). It reduces the bank’s risk and therefore, often, your rate.
Can you borrow with no down payment in Morocco?
It is rarer and harder. Some profiles (young workers, civil servants, specific schemes) may qualify, but a down payment remains the norm. See our dedicated guide on no-down-payment loans.
How much to plan for
In Morocco most banks finance 80 to 90% of the property price and therefore expect a 10 to 20% down payment. On a property at MAD 1,000,000 that means MAD 100,000 to 200,000.
Note: the loan funds the property price, not always the acquisition costs. Plan about 6 to 7% extra for registration duties, notary and land registry.
Why a bigger down payment lowers the rate
The larger your down payment, the less the bank lends and the less risk it takes. In return it is often willing to offer a better rate. A solid down payment is also a signal of good financial management that strengthens your file.
How to build your down payment
Regular saving, family help, releasing a savings plan, or reselling a first property: sources vary. What matters is being able to justify their origin to the bank.
Simulate before you commit
Before fixing your down payment, test several scenarios: at a constant monthly payment, a larger down payment shortens the term or lowers the total cost. Our mortgage simulator lets you compare these cases in seconds.
Sources & updates
Indicative information. Down-payment percentages and acquisition costs are orders of magnitude: they vary by bank, property and profile. Always check current terms with your bank and notary. Content verified September 2026.