Debt-to-income ratio in Morocco: the 45% rule explained
Updated on 9 September 2026
Your debt ratio decides your borrowing capacity. How it is calculated, the ~45% limit, and the levers to improve it.
The essentials in questions
How is the debt ratio calculated?
You divide your total loan payments (mortgage, consumer, auto…) by your net monthly income, then multiply by 100. Example: MAD 4,500 of payments for MAD 12,000 of income = 37.5%.
What is the limit in Morocco?
Moroccan banks generally cap the debt ratio around 40 to 45% of net income. Beyond that, the request is usually refused or requires a co-borrower.
How do you improve borrowing capacity?
Pay off or clear an existing loan, lengthen the term, increase the down payment, add a co-borrower, or include justifiable extra income.
What the debt ratio is
The debt-to-income ratio measures the share of your income spent on repaying loans. It is the first filter a bank applies: before even looking at the rate or the property, it checks that the new payment fits your budget.
Formula: (total loan payments ÷ net monthly income) × 100.
Why the limit is around 45%
This limit protects the borrower from over-indebtedness and the bank from default. The “remaining income” — what is left after the payment — matters too: with high income, a bank may accept a slightly higher ratio; with modest income, it will be more cautious.
The levers to improve it
- Clear a small consumer loan before filing your application.
- Lengthen the term: the payment drops (but the total cost rises).
- Increase the down payment to borrow less.
- Add a co-borrower to combine incomes.
Calculate your capacity in seconds
Rather than estimating by hand, use our mortgage simulator: from your income and expenses it shows the maximum payment and the borrowable amount while respecting the debt limit.
Sources & updates
Indicative information. The debt limit (~40-45%) is a market practice, assessed case by case by each bank based on remaining income and profile. Always check your situation with your bank. Content verified September 2026.