Live rates · Rabat-Salé-Kénitra

Mortgage in Rabat: compare the best 2026 rates

Financing for the acquisition, construction or renovation of a real estate asset in Morocco. Compare offers from Rabat banks for free and get a tailored simulation in under 3 minutes.

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Rabat-Salé-Kénitra

Region

580.000

inhabitants

10.200 MAD

median income

4.25%

average APR

Looking for the mortgage in Rabat? With a median income of MAD 10.200/month and an upper-middle segment around MAD 24.000/month, Rabat residents (580.000 inhabitants, Rabat-Salé-Kénitra) benefit from specific banking terms. The observed average APR in Rabat stands at 4.25%, ranging from 3.75% to 5.3% depending on profile and bank. In the Rabat-Salé-Kénitra region, demand for the mortgage is very strong. Compare below the best offers from banks and insurers present in Rabat, simulate your file and receive tailored offers for free.

Comparison table

Current mortgage rates in Rabat

Indicative tables updated in Q1 2026 for the most active banks in Rabat. Actual rates depend on your file — run your tailored simulation below.

Bank	Indicative APR	Highlights	Action
Attijariwafa Bank	4.10 %	Largest national network · MRE	Compare
Banque Populaire	4.20 %	Public-sector deals · Chaabi MRE	Compare
CIH Bank	4.30 %	Mortgage benchmark	Compare
Crédit Agricole du Maroc	4.40 %	Multiple branches in the city	Compare
BMCE Bank	4.50 %	Strong international + digital	Compare

APRs are indicative and subject to change. Your actual rate depends on your full file. wafir.ma is neither a bank broker nor an insurance distributor: we are an independent comparator.

Worked example

Typical monthly payment in Rabat

Borrowed amount

1.350.000 MAD

Average ticket in Rabat

Duration

20 years

Local average APR 4.25%

Estimated monthly payment

8.360 MAD

insurance included depending on file

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Local market

Why the mortgage in Rabat is unique

Civil-servant concentration (40% of the workforce) drives massive credit demand at the maximum quota (direct salary deductions via CNOPS/CMR). State-subsidised "civil-servant housing" programme. Souissi and Hay Riad absorb high mortgage tickets (MAD 2-5M). Stable market with few defaults. Market dominated by central-government civil servants: CNOPS, CMR, ministries, embassies. Very low-risk files (public-sector permanent contracts), so banks offer some of Morocco's lowest APRs. Active bank-union agreements: Banque Populaire and Attijariwafa offer preferential rates to civil servants.

Dominant borrower profiles in Rabat

Ministry civil servants
Senior administration executives
Judges and lawyers
Retired diplomats
Mohammed V University academics

Financial districts and zones

AgdalHay RiadHassanAvenue Mohammed V

Concentration of bank branches and insurance brokers in Rabat.

Mortgage specifics in Rabat

What to know before signing

Average ticket in Rabat

In Rabat, the average mortgage ticket is MAD 1.350.000, reflecting local real-estate prices and upper-middle-class incomes. Souissi and Hay Riad concentrate the highest tickets (MAD 2-5M), while new developments in Sala Al Jadida stay accessible at MAD 600K-1.2M.

Banks and insurers present in Rabat

The leading financial players in Rabat are Attijariwafa Bank, Banque Populaire, CIH Bank, Crédit Agricole du Maroc. Branches concentrate in the Agdal, Hay Riad, Hassan districts, making in-person comparisons and negotiations easier. wafir.ma queries these players in real time to offer you the best terms.

Eligibility conditions

Conditions to obtain the mortgage in Rabat

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

Levers to optimise your APR

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%

Documents to prepare

Valid national ID card (CIN)

Last 3 payslips or last 2 financial statements (self-employed)

Bank statements for the last 6 months

Signed sale agreement or promise to sell

Employment certificate + length of service

Proof of down payment (savings statements)

Frequently asked questions

FAQ — Mortgage in Rabat

What is the minimum salary required for a mortgage in Morocco?

There is no legal minimum salary, but banks require that monthly instalments do not exceed 40% of net income. To borrow MAD 800,000 over 20 years at 4.35%, the monthly payment is about MAD 5,000, which implies a net income of at least MAD 12,500/month.

Can I finance 100% of the property price?

No. Moroccan banks require a minimum down payment of 10% (sometimes 20-30% depending on the profile). Only specific state-backed products such as Fogarim or Fogaloge for first-time buyers enable near-full financing with a public guarantee.

What is the difference between fixed and variable rates?

A fixed rate stays the same for the entire loan term. A variable rate is indexed on a reference rate (TMIPE) and can move. In Morocco, 85% of mortgages are fixed-rate because households prioritise certainty.

What other fees should I expect beyond the APR?

File fees (0.5-1% of the amount), notary fees (2-3% of the property), land registry (1%), notification tax, death-disability insurance (0.3-0.6%/year). Budget roughly 7-8% of the property price in extra costs.

Mortgage in Rabat: are rates different from elsewhere?

Yes, slightly. In Rabat, the observed average APR is 4.25% (national benchmark: 4.35%). The variation reflects bank network density, borrower types and local competition. Always put 3-5 banks in competition to get the best offer.

Which bank should I pick in Rabat for the mortgage?

Leading players in Rabat are Attijariwafa Bank, Banque Populaire, CIH Bank. Attijariwafa Bank usually has the densest network, Banque Populaire shines on public-sector and MRE deals, CIH Bank stands out for mortgages. Your choice depends on your profile. wafir.ma compares these banks for free and steers you in 3 minutes.