FOGARIM and social housing in Morocco: what is the link, and how does it work
Updated on 20 September 2026
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.
The essentials in questions
What is the difference between social housing and FOGARIM?
Social housing refers to a type of price-capped housing (within a ceiling). FOGARIM is a financing scheme: a state guarantee that helps you obtain the loan. You can finance social housing thanks to FOGARIM.
Can you buy social housing with FOGARIM?
Yes, it is a common case: FOGARIM (or Damane Assakane) guarantees the loan of a modest- or middle-income household to buy housing, including social housing, within the applicable ceilings.
Is FOGARIM reserved for social housing?
No. FOGARIM guarantees financing based on the borrower’s income profile, not only for social housing. Price and income ceilings determine eligibility.
Two notions not to confuse
Many buyers confuse "social housing" and "FOGARIM". The first describes the property (price-capped housing); the second describes the financing (a public guarantee that eases obtaining the loan). These are two distinct steps of the same project.
How they combine
A modest- or middle-income household can target social housing and finance the purchase with a loan guaranteed by FOGARIM or Damane Assakane. The guarantee reduces the required down payment and secures the loan for the bank.
The ceilings to check
Eligibility depends on ceilings — of housing price and household income — set by regulation and liable to change. It is your bank that checks eligibility against the applicable ceilings.
Estimate your financing
Before committing, simulate your loan and borrowing capacity for social housing. See also our main FOGARIM & Damane Assakane guide to understand both guarantee schemes.
Sources & updates
Indicative information. Social-housing definitions and the associated ceilings fall under Moroccan regulation and change. Always check with your bank and the bodies concerned. Content verified September 2026.