Daam Sakane 2026: am I eligible and how do I apply?

The ministry publishes seven conditions, which all apply together. They cover you as much as the property. About you: Moroccan nationality, not owning a residential property at the date of acquisition, and never having received a housing benefit granted by the State. Moroccans living abroad are subject to the same rules as residents. About the property: it must be a first sale, hold an occupancy permit issued on or after 1 January 2023, and have at least two rooms. An older home, a home already resold once, or one whose occupancy permit predates 2023 gives no entitlement, whatever its price. About the undertaking: you commit to using the home as your main residence for five years, and to granting the State a first- or second-rank mortgage. That mortgage is what secures repayment of the aid if the commitment is not met.

The scale has only two levels, and it is read on the sale price including tax. Up to 300,000 MAD including tax, the aid is 100,000 MAD. Above 300,000 MAD and up to 700,000 MAD including tax, it is 70,000 MAD. Above 700,000 MAD, the property falls outside the scheme. Two practical consequences. First: a home listed at 305,000 MAD loses 30,000 MAD of aid compared with the same home at 300,000 MAD, which makes the listed price more decisive than floor area or location in the final calculation. Second: the amount is identical for a resident and for a Moroccan living abroad. There is no diaspora top-up and no under-35 variant, contrary to what is often written. The aid is granted once: it cannot be combined with another State housing benefit, and the same buyer is entitled to it only once.

The process is fully digital and the official timetable is chained: each step opens a deadline for the next. You first file your application on daamsakane.ma. Preliminary approval comes within seven days at most. You then go to the notary for the preliminary sale agreement, which the notary files on the platform within seven days of drafting it, together with the occupancy permit. The aid is paid out no later than fifteen days after the documents are filed. The final contract is then drawn up within thirty days, and a copy filed on the platform within thirty days. That order matters: the application comes before the sale agreement. Signing first and checking afterwards is the main reason files are lost, because the occupancy permit or the nature of the sale can disqualify the property once you are committed. Eligibility checks are automated: the platform queries the relevant administrations directly. The list of supporting documents is displayed when you apply on daamsakane.ma, and that is the only list that counts.

Refusals almost always come down to a condition that is not met rather than a data-entry error, and most can be checked before you file anything. Start with the property, because that is where most files are decided: ask the seller for the date of the occupancy permit and confirm this really is a first sale. Then your own situation: owning a residential property at the date of acquisition ends the entitlement, including an inherited one, and so does a housing benefit already granted by the State. If you believe the data used is wrong, the place to fix it is not the platform: checks rely on information held by the administrations, and it has to be corrected at source before you reapply. Finally, the aid remains repayable after the fact. The decree provides for repayment if the final contract is not concluded, or if the home is sold within five years. That is the counterpart of the mortgage granted to the State, and it is worth bearing in mind before buying a property you intend to resell.