Mortgage in Morocco: what you need to understand before submitting an application
This page covers the essentials for preparing a mortgage in Morocco: rates, down payment, borrowing capacity, documents, MRE profile and direct links to simulators and the credit application.
Market benchmark
As a public benchmark, the Bank Al-Maghrib quarterly survey showed an average mortgage rate of 5.13% in Q2 2025. The actual rate offered depends on your profile, duration, down payment and the property financed.
What the bank looks at
Your income, expenses, professional stability, available down payment, quality of bank statements and coherence of the property project.
What saves time
Arriving with a clear budget, a preliminary agreement or a well-argued property brief, and a file already structured before the first bank meeting.
Most common conditions
- Regular and verifiable income, whether salaried or self-employed.
- A debt level compatible with remaining living expenses.
- A personal down payment to reassure the bank and absorb part of the fees.
- A legally clear property with consistent documents.
- A term often between 5 and 25 years depending on the profile.
Documents to prepare
- ID, proof of address and family status.
- Employment certificate, pay slips or proof of income.
- Recent bank statements and visibility on current loans.
- Proof of down payment and available savings.
- Property documents: preliminary agreement, title, plan, quote or property brief as applicable.
MRE and non-resident cases
MREs represent an important segment of the Moroccan market. In practice, banks often require more supporting documents on the origin of income, the currency earned, professional seniority and the down payment. Currency exchange and fund transfer aspects also need to be verified if the project is financed from abroad.
Frequently asked questions about mortgages
Sources and update
Page updated on March 20, 2026. For rates, always prioritize official statistics or a written, up-to-date bank proposal. Reference source used here: Bank Al-Maghrib, quarterly survey on lending rates.