Credit for Developer / IT engineer
Moroccan developers and IT engineers benefit from exploding tech market (offshoring, ESN, startups, international remote work). Premium banking profile: high income, fast growth (+15%/year), strong employability, possibility of foreign currency income. Priority bank target for mortgage and premium banking.
Key figures
Average income
22,000 MAD
Average rate
4.1%
Max duration
25 years
Risk profile
1/5
Income structure
Junior dev employee ESN/SSII (1-3 years): 10-18K MAD/month. Mid-level (3-5 years): 18-30K. Senior / Tech lead: 30-50K. International freelance (remote EU/US): 40-100K. Frequent 1-3 month annual bonuses. Stock options in startups.
Banking perception
A/AAA profile. Digital profession + high income = privileged target. Attijariwafa Bank, CFG Bank, CIH Bank and BMCE Bank created 'Tech & Digital' offerings with premium packages. Quick pre-qualification via employer portal (M2M, Capgemini, Sopra, IBM Morocco).
Mortgage credit
38-40% capacity of income (vs 33% standard). Senior dev at 35K/month: borrowing up to 3M MAD over 25 years at 4.1%. Acceptance of freelance foreign currency income (with 15-20% haircut). Strong propensity to pay down payment (startup capital, crypto).
Consumer credit
Consumer credit 10-12 months salary at 6%. Premium auto credit (Tesla, BMW, Audi) up to 700K MAD at 4.5%. Equipment loan (Mac Pro, home servers) via leasing at 5.5%. Overdraft 50-100K MAD.
Specific advantages
- Sectoral tech agreements (M2M Group, Capgemini, Sopra Banking) with banks
- Convertible currency account for international freelance income
- Subsidized startup mortgage credit (CFG Bank, Attijariwafa Tech)
- Premium banking (Attijariwafa Mass Affluent) accessible from 25K MAD/month
Points of attention
- Stock options: cannot be valued while illiquid (excluded from capacity)
- Strong international mobility: prove 2+ years stability for long-term mortgage
- Foreign Exchange Office: mandatory foreign freelance income declaration
- Fast technical stack evolution: plan continuous training budget (5-10K MAD/year)
Recommended banks
Required documents
- Last 3 pay slips (if employed) or 2-year IR declarations (freelance)
- CDI employment contract or signed freelance contracts
- 12-month bank statements (MAD + foreign currency if international freelance)
- Employer certificate + seniority
- LinkedIn / GitHub CV (sometimes required for startupers)
Ready to take action?
Our official partner Wafasalaf supports you. Free comparison in 2 minutes.
Also available