CIMR-Bank Convention: 200,000 Retirees Finally Benefit from Preferential Rates

Context: CIMR retirees forgotten by credit

Until October 2025, CIMR retirees — though holders of stable and durable pensions — suffered significant tariff discrimination in credit access. Banks typically applied rates 0.8 to 1.5 points higher than active salaried workers.

Convention conditions

• Preferential rate: guaranteed 0.5 point reduction on bank's standard scale
• File fees: total exemption (vs 0.5-1.5% of capital usually)
• ADE insurance: collectively negotiated rate 0.28% of initial capital per year
• Domiciliation: CIMR pension used to repay credit must be domiciled at lending bank
• Ceiling: mortgage up to 1.2M MAD, consumer credit up to 400,000 MAD
• Duration: maximum 10 years for mortgage, 5 years for consumer credit
• Application: effective since January 1, 2026, already 8,500 files processed by end April 2026

How to benefit?

Any person receiving a CIMR pension (you can check your status on cimr.ma > Member Area) can benefit from the convention by simply presenting their up-to-date CIMR attestation when requesting credit at one of the 6 signatory banks. Conditions apply automatically, without additional formality.

Article based on official public data + wafir.ma expert sources. All cited statistics are verifiable with the mentioned organizations.