Mortgage costs in Morocco: the complete list
Updated on 9 September 2026
Beyond the property price, a purchase generates several costs. The complete list to build a realistic budget.
The essentials in questions
What are the costs on top of the property price?
Acquisition costs (~6-7%: registration duties ~4%, land registry ~1%, notary 0.5-1% + VAT), bank arrangement fees, mortgage-registration fees and borrower insurance.
How much are bank arrangement fees?
They are set by each bank, often as a percentage of the amount borrowed with sometimes a minimum or a cap. It is a negotiable item, especially if you make banks compete.
Is borrower insurance mandatory?
It is systematically required by banks for a mortgage. However, you are not obliged to take the bank’s: comparing it can significantly reduce the cost.
Acquisition costs (~6-7%)
Independent of the bank, they relate to the purchase itself: registration duties (~4%), land registry (~1%) and the notary or adoul fees (0.5 to 1% + VAT). They are rarely financed by the loan: plan them in cash.
Loan-related costs
- Arrangement fees: set by the bank, often negotiable.
- Mortgage / guarantee fees: registering the guarantee in the bank’s favor.
- Borrower insurance: mandatory, but you can choose the insurer.
- Possible property-appraisal fees depending on the bank.
What is negotiable
Arrangement fees and borrower insurance are the two items where you can act. A written competing offer often gets arrangement fees reduced, and delegating the insurance to another insurer can lighten the bill over the whole term.
Include the costs in your simulation
A realistic budget adds the price, acquisition costs and loan costs. Our mortgage simulator estimates the monthly payment and the financing cost; add the acquisition costs to know the total envelope to mobilize.
Sources & updates
Indicative information. The percentages (registration duties, land registry, fees) are orders of magnitude that may change; bank fees are set by each institution. Always check with your notary and your bank. Content verified September 2026.