2026 national APR benchmarks
Mortgage by city in Morocco
Financing for the acquisition, construction or renovation of a real estate asset in Morocco. Compare offers across 12 cities with live rates, local banks and dedicated simulators.
Min APR
3.5%
Average APR
4.35%
Duration
15 to 25 years
Typical ticket
MAD 400,000 - 3,000,000
Mortgage in 12 Moroccan cities
Casablanca
Casablanca-Settat
Local average APR: 4.35%
Attijariwafa Bank · BMCE Bank of Africa
Rabat
Rabat-Salé-Kénitra
Local average APR: 4.25%
Attijariwafa Bank · Banque Populaire
Marrakech
Marrakech-Safi
Local average APR: 4.45%
Attijariwafa Bank · CIH Bank
Tangier
Tanger-Tétouan-Al Hoceïma
Local average APR: 4.4%
Attijariwafa Bank · BMCE Bank of Africa
Fez
Fès-Meknès
Local average APR: 4.5%
Attijariwafa Bank · Banque Populaire
Agadir
Souss-Massa
Local average APR: 4.45%
Attijariwafa Bank · BMCE Bank of Africa
Meknes
Fès-Meknès
Local average APR: 4.55%
Banque Populaire · Attijariwafa Bank
Oujda
Oriental
Local average APR: 4.5%
Attijariwafa Bank · Banque Populaire
Tetouan
Tanger-Tétouan-Al Hoceïma
Local average APR: 4.5%
Attijariwafa Bank · BMCE Bank of Africa
Kenitra
Rabat-Salé-Kénitra
Local average APR: 4.5%
Attijariwafa Bank · Banque Populaire
Settat
Casablanca-Settat
Local average APR: 4.55%
Attijariwafa Bank · Crédit Agricole du Maroc
Beni Mellal
Béni Mellal-Khénifra
Local average APR: 4.6%
Banque Populaire · Crédit Agricole du Maroc
El Jadida
Casablanca-Settat
Local average APR: 4.5%
Attijariwafa Bank · Banque Populaire
Safi
Marrakech-Safi
Local average APR: 4.6%
Attijariwafa Bank · Banque Populaire
Mohammedia
Casablanca-Settat
Local average APR: 4.4%
Attijariwafa Bank · BMCE Bank of Africa
Nador
Oriental
Local average APR: 4.5%
Attijariwafa Bank · Banque Populaire
Khouribga
Béni Mellal-Khénifra
Local average APR: 4.5%
Attijariwafa Bank · Banque Populaire
Laayoune
Laâyoune-Sakia El Hamra
Local average APR: 4.45%
Attijariwafa Bank · Banque Populaire
Dakhla
Dakhla-Oued Ed-Dahab
Local average APR: 4.45%
Attijariwafa Bank · Banque Populaire
Sale
Rabat-Salé-Kénitra
Local average APR: 4.4%
Attijariwafa Bank · Banque Populaire
Temara
Rabat-Salé-Kénitra
Local average APR: 4.4%
Attijariwafa Bank · Banque Populaire
Essaouira
Marrakech-Safi
Local average APR: 4.5%
Attijariwafa Bank · Banque Populaire
Eligibility
Conditions to obtain the mortgage in Morocco
Eligibility criteria
- Verifiable stable income through at least the last 3 payslips or 2 fiscal years
- Down payment of 10 to 30% of the purchase price
- Total debt-to-income ratio (loan instalments) below 40% of net income
- Borrower's age + loan duration ≤ 70 years at final maturity
- Mandatory death and disability insurance (ADI) for the full term
Optimisation levers
- Negotiate the APR: 20 to 40 bps below official rates is feasible with a strong file
- Pick a fixed rate to lock the monthly payment over 20-25 years
- Choose 20 years over 25 years to cut total cost by 15-20%
- Shop external death-disability insurance (save MAD 8,000-30,000 over the loan life)
- Ask for a flexibility clause to adjust the monthly payment by ±20%
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