Mortgage Rates Barometer
Edition June 2026
BAM key rate
2.25 %
Market average rate
4.95 %
| Bank | 2026 rate | Max term | Min deposit | Trend |
|---|---|---|---|---|
| Attijariwafa Bank | 4.55 – 5.30 % | 25 ans | 20 % | |
| Banque Populaire (BCP) | 4.60 – 5.40 % | 25 ans | 20 % | |
| Bank of Africa (BoA) | 4.70 – 5.50 % | 25 ans | 20 % | |
| CIH Bank | 4.65 – 5.45 % | 25 ans | 20 % | |
| BMCI BNP Paribas | 4.75 – 5.55 % | 25 ans | 25 % | |
| Société Générale Maroc | 4.80 – 5.60 % | 25 ans | 25 % | |
| Crédit du Maroc | 4.70 – 5.50 % | 25 ans | 20 % |
Bank Al-Maghrib key rate maintained at 2.25% (4th consecutive hold since Sept 2025). Forecast 2026 inflation 0.8-1.6%. Strategy: lock fixed rate now + delegate borrower insurance to save 30-40%.
Compare 7 banksSchool Cost Index
Edition 2026
National average budget
8,650 MAD
Change vs previous year
+ 4.2 %
| City | Economy (MAD) | Standard (MAD) | Premium (MAD) |
|---|---|---|---|
| Casablanca | 6,800 | 12,500 | 28,000 |
| Rabat | 6,500 | 11,800 | 25,000 |
| Marrakech | 5,800 | 10,500 | 22,000 |
| Tanger | 5,500 | 10,000 | 21,000 |
| Fes | 5,200 | 9,500 | 19,500 |
Average Morocco 2026 budget: 8,650 MAD/child (+4.2% vs 2025). 5 major banks offer school season credit 6.5-8% preferential July-September. School insurance mandatory for private schools (law 06-00): 80-250 MAD/year.
Compare nowAMO Achamil Observatory
Quarter 2026-Q2
AMO Achamil beneficiaries
3.2 M
AMO Tadamon beneficiaries
11.4 M
Average monthly contribution
358 MAD
Average reimbursement rate
72 %
AMO Tadamon: 11.4M beneficiaries (target 22M end 2027). AMO Achamil self-employed: 3.2M affiliates (+18% vs Q1). Law 54-23 transfer CNOPS → CNSS effective Feb 1, 2027 — private complementary health recommended to cover 20-30% remainder.
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