Compare Home Loans in Morocco

A home loan in Morocco represents a significant financial commitment that deserves thorough analysis. With a dynamic real-estate market and historically attractive interest rates, buying property in Morocco remains a sound investment. Whether you want to purchase your primary residence in Casablanca, an apartment in Rabat or a villa in Marrakech, choosing the right mortgage for your profile is crucial to optimising your investment.

Moroccan banks today offer a wide range of competitive products. From the fixed rate that guarantees stable monthly payments to the potentially more advantageous variable rate, each option has its merits. The public Damane Assakane guarantee fund, managed by Tamwilcom (formerly the Caisse Centrale de Garantie), eases access to housing credit: its FOGARIM component targets modest or irregular incomes, while FOGALOGE covers the middle class and Moroccans living abroad. Comparing offers is essential, as the gap between the best and worst rate can represent tens of thousands of dirhams over the life of the loan.

In 2026, Bank Al-Maghrib is keeping its key policy rate at 2.25%, which supports attractive home loan rates between 3.5% and 5.5%. The Daam Sakane programme, launched in January 2024 under the Ministry of Housing, provides direct aid of MAD 100,000 to first-time buyers for properties under MAD 300,000, and MAD 70,000 for properties between MAD 300,001 and 700,000. This aid can be combined with a conventional mortgage or a Mourabaha and can serve as a personal contribution.

Alongside these schemes open to everyone, some public-sector social-works foundations subsidise housing loans exclusively for their members. This is the case of the “Adl Sakane” programme of the Mohammedia Foundation for the Social Works of Magistrates and Justice Officials, an interest-subsidy scheme managed by Tamwilcom and reserved for Justice-sector staff — with a combined support ceiling of MAD 400,000 according to the Foundation — as well as the “Imtilak” programme of the Mohammed VI Foundation for education staff. These sectoral schemes are not open to the general public: they apply only to eligible members, through each foundation's partner banks.

On Wafir.ma, we simplify your search by automatically comparing offers from all Moroccan banks. Our home loan simulator lets you calculate your monthly payments based on the desired amount, duration and personal contribution. Our complementary tools (borrowing capacity calculator, notary fee simulator) help you prepare your property project with complete peace of mind. The service is 100% free and without commitment.