Credit for Certified accountant
Certified accountants and statutory auditors (OEC) benefit from excellent banking reputation: stable income, recurring corporate clientele, valued council registration. Rates among lowest in liberal professions.
Key figures
Average income
28 000 MAD
Average rate
4.2%
Max duration
25 ans
Risk profile
2/5
Income structure
Junior certified accountant (partner 0-5 years): 20-35K MAD/month. Established senior: 40-80K. Principal partner: 100-300K+. Income via professional SC or individual structures.
Banking perception
AA profile. Certified accountants have access to client fiscal data, making them preferred interlocutors for banks. Agreements with OEC for entire profession.
Mortgage credit
Borrowing capacity 35-40%. Certified accountant at 40K/month can borrow 3.2M MAD over 25 years at 4.2%.
Consumer credit
Office equipment loan (server, Sage/Ciel software, material) up to 500K MAD. 80K authorized overdraft. Premium card included in agreement.
Specific advantages
- OEC-banks agreement: preferential rates
- Client fees factoring (BMCE Factoring)
- Professional account with automated reporting
- Access to professional savings products (PER EC)
Points of attention
- Strictly separate personal and professional accounts
- Recurring fees (annual mandates) valued more than one-off missions
- Mandatory professional liability insurance (min 2M MAD)
- Verify professional secrecy when communicating turnover to bank
Recommended banks
Required documents
- OEC registration certificate
- Last 3 IR declarations
- Professional bank statements 12 months
- Client list (signed under professional secrecy)
- Office lease contract
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