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Civil servant mortgage in Morocco

By Wafir TeamUpdated on April 18, 202610 min read

Moroccan civil servants benefit from privileged conditions for mortgage access, thanks to Damane Iskan (CCG/Tamwilcom) and Fogaloge Public schemes. These public guarantees cover up to 70% of the loan.

1. Damane Iskan vs Fogaloge Public

CriterionDamane IskanFogaloge Public
TargetPublic + privateCivil servants only
Max amount800,000 MAD1,000,000 MAD
Rate cap4.50% excl. tax4.50% excl. tax

Source: Wafir.ma — April 18, 2026

2. FAQ

Q.Can a contractual agent have Fogaloge?
No, Fogaloge Public is reserved for tenured civil servants.

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