Credit for Pilot / Air traffic controller
Airline pilots (RAM, Air Arabia Maroc), private pilots and air traffic controllers (ONDA) benefit from premium banking profile: high income, rare qualifications, statutory security for controllers. Highly profitable niche segment for banks.
Key figures
Average income
45 000 MAD
Average rate
4.1%
Max duration
25 ans
Risk profile
1/5
Income structure
RAM copilot 25-40K, captain 60-120K (with flight hour bonuses), experienced long-haul pilot 100-180K. ONDA controller 25-50K per grade. Bonuses: flight hours, night, weekend, transcontinental, technical.
Banking perception
AAA profile. RAM/Air Arabia salaried pilots with permanent contract are priority targets of Attijariwafa Bank and BMCE Bank. ONDA controllers: public establishment status, total security.
Mortgage credit
40% capacity of fixed income + 50% of regular bonuses. Captain at 80K/month can borrow 4-5M MAD over 25 years at 4.1%. Maximum 25-year duration (vs 30 for civil servants: pilot age limit 60 years).
Consumer credit
Premium auto credit up to 1M MAD at 4.5%. Consumer credit 18 months salary. Premium cards (Platinum, World Elite) with travel insurance included. Multi-currency accounts for international stops.
Specific advantages
- Royal Air Maroc and ONDA agreement with Attijariwafa Bank
- Free premium cards with license loss insurance
- Disability coverage 'loss of license'
- Extended capacity thanks to flight bonus regularity
Points of attention
- Professional age limit 60-65 years: finish credit before
- Medical 'license loss' risk: subscribe dedicated insurance
- Aviation cycles (Covid-like): plan 6-month reserve
- Bonus volatility per flight schedule: smooth over 12 months
Recommended banks
Required documents
- Last 3 payslips (with bonus breakdown)
- RAM / Air Arabia / ONDA employment contract
- Valid flight license or controller certificate
- Civil aviation medical certificate (Class 1)
- Bank statements last 6 months
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