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Works credit

Bathroom renovation

Bathroom renovation is 2nd most frequent works project after kitchen. Budget 20,000 to 100,000 MAD per surface (4-12 m²) and range (standard / high-end Italian). Consumer credit or mortgage amendment financing. Possibility to combine multiple bathrooms in single credit.

Typical budget

20-100K MAD

Credit duration

3-6 ans

Average rate

5.8%

Budget breakdown

  • Fixtures (WC, sink, shower/bathtub): 5,000-25,000 MAD
  • Faucets (mixer, shower, accessories): 2,500-12,000 MAD
  • Floor + wall tiles (10-20 m²): 4,000-20,000 MAD
  • Vanity unit + mirror: 3,000-12,000 MAD
  • Waterproofing + complete plumbing: 2,000-8,000 MAD
  • Labor + evacuation: 3,500-20,000 MAD

Financing options

Works consumer credit (5.5-7%, 3-6 years). If multiple bathrooms or complete home renovation: mortgage amendment (4.5-5%). Leroy Merlin / Mr Bricolage supplier credit possible but rate 7-10%.

Numeric example

Complete main bathroom renovation 8 m²: 50,000 MAD. Consumer credit 50K over 4 years at 6%: monthly 1,175 MAD, total cost 56,400 MAD. Reduced duration chosen as budget modest. Death insurance +40 MAD/month included.

Practical tips

  • Prefer moisture-resistant materials (premium tiles, epoxy joints)
  • Install effective ventilation (VMC) to avoid mold
  • Plan 2-3 weeks of work (unusable bathroom)
  • Keeping old elements in good condition (sink, WC) can save 30%
  • Italian shower option: +15% budget but adds value

Legal obligations

No permit for simple renovation. Municipality declaration mandatory if creating new bathroom (evacuation pipe impact). Condominium: respect noise hours (9am-6pm Monday-Friday, not weekend).

Recommended banks

Official partnerCIH Bank

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