Borrowing capacity: how to calculate it before starting your search
Updated on 6 August 2026
The 45% rule, the impact of term and down payment: calculate what you can borrow.
The essentials in questions
How to calculate your borrowing capacity in Morocco?
Start from the 45% rule: your maximum monthly payment = 45% of your net income, minus your current loans. The term and rate then determine the amount you can borrow.
What is the maximum debt ratio?
Moroccan banks generally use a maximum debt ratio of around 45% of net income, including all loan charges.
Does a longer term increase borrowing capacity?
Yes: lengthening the term lowers the monthly payment and raises the amount you can borrow, but increases the total cost of interest.
1. The 45% rule
The maximum monthly payment is about 45% of your net monthly income, after deducting loans already in progress. It’s the starting point of the calculation.
2. Worked example
For a net income of 15,000 MAD, the maximum monthly payment is about 6,750 MAD. Over 20 years at a common rate, that corresponds to a borrowable amount of roughly 900,000 MAD to 1,000,000 MAD depending on the rate.
3. Adjust term and down payment
Increasing the down payment or the term changes your capacity. A simulator lets you test several scenarios instantly.