Credit for Military / Gendarme
Military and gendarmes benefit from Morocco's best banking profile, equal to civil civil servants. Total security, guaranteed pay, enhanced pension. Banks grant them lowest rates and extended durations up to 30 years.
Key figures
Average income
10 000 MAD
Average rate
3.9%
Max duration
30 ans
Risk profile
1/5
Income structure
Variable pay per grade: NCO 6-12K, Officer 15-30K, General 50-100+K. Operation, mission, risk bonuses. Pension 75-90% of last pay. In-kind benefits (housing, transport, free healthcare).
Banking perception
Absolute AAA profile, identical to civil servants. Repayment via CNT, zero default guarantee. Specific agreements with Attijariwafa Bank and CIH Bank for FAR.
Mortgage credit
40% borrowing capacity of pay (excluding variable bonuses). Officer at 20K/month can borrow 1.8M MAD over 30 years at 3.9%. Service housing for some grades.
Consumer credit
Consumer credit 12 months pay. Auto credit at 5% over 7 years. Regular interest-free advances via military mutuals (FNOM, Mohammed V Foundation).
Specific advantages
- FNOM and Mohammed V Foundation mutuals (health, social, aids)
- FAR dispensary rate (- 0.5 pt vs civil civil servants)
- Service housing or housing allowance
- Enhanced pension after 20+ years service
Points of attention
- Frequent transfers: plan residence financing for post-career
- Military commitment: impact on residential mobility
- Risk/mission bonuses not counted in base capacity
- Retirement preparation: complementary military PER recommended
Recommended banks
Required documents
- Last 3 pay slips
- Service order and grade
- Military ID
- CNT commitment signed by FAR Treasury
- Family book
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