Buildable land credit
Land credit in Morocco is more complex than housing credit: higher banking risk (no asset to sell in default), shorter duration, larger down payment (40-50%). Often combined with construction credit in 2 steps.
Key characteristics
Amount
200-5,000K MAD
Average rate
5%
Duration
10-20 ans
Down payment
40-50%
Specifics of this credit type
Land must be 'buildable' (subdivision, validated planning plan). Agricultural or non-registered lands not financeable via classic credit. Intent to build proof required (building permit or architectural project).
Eligibility
Solid profile required: income > 15,000 MAD, low debt, 40%+ down payment. Civil servants benefit from reduced rates (−0.3 pt). Some banks (CAM notably) accept rural area lands for agriculture.
Step-by-step process
- 1Verify land legal situation (land title, melk, habous)
- 2Obtain urbanism certificate (municipality)
- 3Present construction project to bank
- 4Expert appraisal (mandatory)
- 5Signing with mortgage registration
2026 taxation
6% registration duties on purchase. Professional tax if purchased via company. No housing tax (unbuilt land). 20% TPI on capital gain at resale (50% abatement after 8 years).
Mistakes to avoid
- Buying non-registered land (informal title) — major legal risk
- Neglecting utility connection fees (water, electricity = 30-80K MAD)
- Not verifying PAU/POS (planning plan) — construction constraints
- Underestimating boundary marking and topography fees (5,000-15,000 MAD)
Additional costs
Total budget = price + 9% (notary, registration, conservation) + utility connection 30-80K MAD + expertise + marking. Plan construction budget (+1.5 to +3M MAD per size).
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