Notary fees and acquisition costs in Morocco: the full calculation
Updated on 12 August 2026
Registration duties, land registry, fees: the detail of the ~6 to 8% of costs to plan on top of the price.
The essentials in questions
What are the acquisition costs of a property in Morocco?
Count on about 6 to 8% of the price: registration duties (4%, or 3% for social housing), land registry (~1.5%), and notary fees (0.5 to 1% + VAT), plus miscellaneous costs.
Are notary fees included in the loan?
Generally not: banks finance the property price but rarely the acquisition costs, which remain your responsibility on top of the down payment. Plan for them in your budget.
Is there a reduction for social housing?
Yes, registration duties are reduced (3% instead of 4%) for eligible social housing, and some schemes provide exemptions.
1. Registration duties (the largest item)
This is the biggest tax: about 4% of the acquisition price for a standard property, and 3% for eligible social housing. It is paid to the tax administration when the deed is registered.
2. The land registry
It covers registering the property in your name on the land title: count on about 1.5% of the price, plus small fixed fees for the certificate of ownership.
3. The notary’s fees (or adoul)
The notary drafts and secures the deed. Their fees are around 0.5 to 1% of the price, plus VAT. The notary also collects the above taxes on your behalf.
4. Budget example
For an apartment at 1,000,000 MAD, plan on the order of 60,000 to 80,000 MAD in acquisition costs, on top of your down payment. It’s an amount to anticipate from the start so as not to block the transaction.
First estimate the value of the property to frame your budget, then simulate your loan on the remaining amount.