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Compare Home Loans in Morocco

Find the best rate for your real-estate project. Free comparison of +10 Moroccan banks — save thousands of dirhams on your mortgage.

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4.2%

Average rate

25 ans

Max duration

3.5%

Best rate

10+ banques

Banks compared

How does it work?

Get the best crédit immobilier offer in 3 simple steps

1

Simulate your loan

Enter the amount, duration and personal contribution to get a precise estimate of your monthly payments.

2

Compare offers

Our algorithm compares in real time the rates of +10 Moroccan banks to find you the best offer.

3

Get your loan

Submit your file online and receive a decision in principle within 48h. Free guidance included.

Why compare with Wafir.ma?

Powerful tools and free guidance to find the best crédit immobilier

Best rate guaranteed

We negotiate on your behalf the best rates from all banks in the Moroccan market.

Advanced simulator

Calculate your monthly payments, borrowing capacity and notary fees in a few clicks.

Response in 48h

Receive a decision in principle quickly through our network of banking partners.

100% free and no commitment

Our comparison service is completely free. No hidden fees, no obligations.

Personalised guidance

A dedicated advisor guides you from simulation to signing at the notary.

Negotiated file fees

Benefit from reduced file fees thanks to our preferential agreements with banks.

2026 comparison

Home loan rates by bank in Morocco

Indicative rates updated regularly. Actual rates depend on your profile and loan amount.

InstitutionIndicative rate
Attijariwafa Bank
3.5% - 5.5%
BMCE Bank of Africa
3.5% - 5.5%
Banque Populaire
3.5% - 5.5%
Société Générale Maroc
3.5% - 5.5%
BMCI (BNP Paribas)
3.5% - 5.5%
Crédit du Maroc
3.5% - 5.5%
CIH Bank
3.5% - 5.5%
CFG Bank
3.5% - 5.5%

* Rates shown are indicative and subject to change. They depend on the borrower's profile, amount, duration and collateral. Last updated: May 2026.

Everything you need to know about Crédit Immobilier

What is the current home loan rate in Morocco?
The average home loan rate in Morocco stands at around 4.2% in 2024. Rates range from 3.5% to 5.5% depending on the bank, borrower profile, amount and duration. Civil servants and private-sector employees with a strong profile can obtain more favourable rates.
What is the maximum duration for a home loan in Morocco?
The maximum duration of a home loan in Morocco is generally 25 years (300 months). Some banks may offer up to 30 years for young borrowers under 35. The minimum is usually 5 years. The longer the duration, the lower the monthly payments but the higher the total loan cost.
What personal contribution is required for a home loan in Morocco?
The minimum personal contribution required by Moroccan banks is generally 10% to 20% of the property price. Some banks may finance up to 100% for civil servants or clients with an excellent profile. A larger contribution allows you to obtain a better interest rate and reduce the total cost.
What fees are associated with a home loan?
Home loan fees in Morocco include: file fees (0.5% to 1.5% of the amount), notary fees (around 6% of the property price for existing properties, 4% for new), death-disability insurance (0.3% to 0.5% of outstanding capital), and mortgage registration fees. Use our notary fee calculator to estimate the total cost.
How do I get the best rate for my home loan?
To get the best rate: 1) Compare offers from multiple banks on Wafir.ma, 2) Present a strong profile (stable income, low debt, solid contribution), 3) Negotiate with your current bank, 4) Choose a fixed rate for stability, 5) Use competing offers as leverage.
Can I refinance my home loan in Morocco?
Yes, refinancing a home loan is possible in Morocco. If rates have fallen since you took out your loan, you can renegotiate with your bank or transfer to another bank offering a better rate. Early repayment penalties are generally 2% of outstanding capital, capped at 2 months of interest.

Ready to find the best crédit immobilier?

Freely compare offers from all banks and financial institutions in Morocco and save on your financing.

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Home Loan in Morocco: Rates & Simulator 2026

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 FOGARIM programme facilitates home ownership for modest incomes, while FOGALOGE targets the middle class. 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.

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.

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