Question 1

What is the best mortgage rate in Morocco in 2026?

Accepted Answer

Mortgage rates in Morocco in 2026 range from 4.50% to 5.50% for fixed-rate loans, depending on the bank and borrower profile. Attijariwafa Bank and BCP generally offer the most competitive rates for both residents and MREs.

Question 2

Can an MRE get a mortgage in Morocco?

Accepted Answer

Yes, all Moroccan banks have products dedicated to Moroccans Residing Abroad (MRE). You typically need a convertible dirham account, 3 months of bank statements, and proof of stable income in your country of residence.

Question 3

How do I calculate my mortgage monthly payment?

Accepted Answer

The formula is M = P × [r(1+r)^n] / [(1+r)^n - 1], where P = principal borrowed, r = monthly rate (annual rate ÷ 12), and n = number of monthly payments. Our simulator performs this calculation automatically with MRH insurance included.

Question 4

What is the maximum duration for a mortgage in Morocco?

Accepted Answer

The maximum duration is generally 25 years for residents and 20 years for MREs. Some banks may go up to 30 years depending on the profile.

Question 5

What is a Convertible Dirham Account?

Accepted Answer

A Convertible Dirham Account is a Moroccan bank account allowing MREs to freely transfer funds between Morocco and abroad. It is essential for financing real estate in Morocco from abroad.

Question 6

What are the hidden fees when buying property in Morocco?

Accepted Answer

Beyond the property price, expect approximately 6-7% in acquisition fees: registration duties (4%), land registry (1.5% + 150 DH), notary fees (regulated degressive scale + 10% VAT), mortgage registration (1% of loan + 150 DH), fiscal stamp (200 DH), and bank processing fee (500-1,500 DH, often negotiable). Our notary fees calculator computes these amounts automatically.

Bank	Fixed Rate	Variable Rate	Max Duration	Max Amount	MRE
CIH Bank Best rate #1 · min fixed rate 4.10%	4.45% from 4.10% ✦	4.20%	25 yrs 30 yrs under-35 🎯	4M MAD	Yes	Apply
Attijariwafa Bank🏛 Daam Sakane #2 · min fixed rate 3.90%	4.50% from 3.90% ✦	4.20%	25 yrs 30 yrs MRE 🌍	5M MAD	Yes	Apply
Banque Centrale Populaire🏛 Daam Sakane #3 · min fixed rate 4.00%	4.60% from 4.00% ✦	4.30%	25 yrs	6M MAD	Yes	Apply
CFG Bank #4 · min fixed rate 4.10%	4.60% from 4.10% ✦	4.35%	20 yrs	10M MAD	Yes	Apply
Bank of Africa🏛 Daam Sakane #5 · min fixed rate 4.20%	4.65% from 4.20% ✦	4.40%	25 yrs	4M MAD 110% LTV MRE	Yes	Apply
Saham Bank #6 · min fixed rate 4.20%	4.70% from 4.20% ✦	4.45%	25 yrs	5M MAD	No	Apply
BMCI (BNP Paribas)🏛 Daam Sakane #7 · min fixed rate 4.30%	4.80% from 4.30% ✦	4.50%	25 yrs	5M MAD	No	Apply
Crédit du Maroc #8 · min fixed rate 4.20%	4.90% from 4.20% ✦	4.65%	25 yrs	3M MAD	Yes	Apply

Find the best mortgage rate in Morocco

Mortgage Simulator

Notary Fees Calculator

Compare Moroccan Banks

Frequently Asked Questions