CIH Bank vs Credit du Maroc
CIH Bank or Credit du Maroc for your mortgage? Full comparison: rates, term, conditions, digital services. Find the best financing.
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CIH Bank
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Tie
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Credit du Maroc
| Criterion | CIH Bank | Credit du Maroc |
|---|---|---|
| Fixed mortgage rate | 3,80% — 4,70% | 4,20% — 5,30% |
| Max mortgage term | 30 years | 25 years |
| Digital / online banking | Digital leader | Decent |
| Parent group | CDG (public) | Credit Agricole SA (France) |
| Participatory bank | Umnia Bank | Al Akhdar Bank |
| Liberal professions offer | Standard | Specialized |
| Number of branches | ~250 | ~350 |
| Loan file fees | 0,5% | 0,75% |
Our verdict
CIH Bank is the ideal choice for a mortgage with the lowest rates on the market and terms of up to 30 years. Credit du Maroc is preferable for liberal professions thanks to its expertise in this segment.
CIH Bank and Credit du Maroc are two historic players in Moroccan mortgage lending. CIH Bank (formerly Credit Immobilier et Hotelier) has kept its real-estate expertise while becoming a digital universal bank. Credit du Maroc, backed by the French Credit Agricole group, banks on international solidity.
CIH Bank offers the lowest mortgage rates on the Moroccan market (from 3.80%) with a unique maximum term of 30 years. Its mobile app and digital services are among the most advanced in the country. Its subsidiary Umnia Bank provides access to mourabaha.
Credit du Maroc stands out with its offering dedicated to liberal professions (doctors, lawyers, architects) with terms tailored to variable incomes. Its network of 350 branches and the expertise of the Credit Agricole group provide quality support on complex files.
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