1. The legal framework
Daam Sakane is neither a bank product nor a developer scheme. It is State budget aid, created by a finance law and organised by an implementing decree.
The governing texts
The aid is created by article 8 of finance law no. 50-22 for budget year 2023. Its forms and conditions of grant are set by decree no. 2-23-350, published in Official Bulletin no. 7250 of 23 November 2023. That decree defines the amounts, the conditions and the procedural deadlines.
Who runs what
The programme falls under the Ministry of National Territorial Planning, Urban Planning, Housing and City Policy, which publishes the official conditions. Applications go through a single platform, daamsakane.ma. Day-to-day management of the programme was entrusted to CNRA, a subsidiary of the Caisse de dépôt et de gestion.
Period covered
The programme runs from 2024 to 2028 and has been in force since 1 January 2024. In July 2026 the ministry reported 111,117 beneficiary households since launch, 23% of them Moroccans living abroad; that assessment was presented at the opening of Al Omrane Expo and relayed by the Moroccan press.
2. The scale: two amounts, read on the sale price including tax
The amount of the aid depends neither on your income, nor on your age, nor on where you live. It is read solely on the sale price of the home, all taxes included.
The two levels
100,000 MAD for the purchase of a home whose sale price is 300,000 MAD including tax or less. 70,000 MAD where the sale price is above 300,000 MAD including tax and up to 700,000 MAD including tax. Above 700,000 MAD including tax, the property falls outside the scheme.
The threshold effect
The scale is not progressive: it steps from one level to the other. A home listed at 305,000 MAD gives entitlement to 70,000 MAD, against 100,000 MAD for the same home listed at 300,000 MAD. The tax-inclusive price written into the sale agreement is therefore the single most decisive element in the calculation.
A one-off aid
The aid is granted once per buyer, and it cannot be combined with another housing benefit granted by the State.
Mortgage: do not overlook borrower insurance
For a 1 MAD-million mortgage, insurance delegation can save up to MAD 30,000 over the full term.
3. The conditions published by the ministry
The conditions all apply together: one missing condition is enough to end the entitlement. They cover three levels: the buyer, the property, and the undertaking given.
About the buyer
Moroccan nationality. Not owning a residential property at the date of acquisition. Never having received a housing benefit granted by the State. Moroccans living abroad are subject to the same rules as residents.
About the property
The home must be a first sale, hold an occupancy permit issued on or after 1 January 2023, and have at least two rooms. The preliminary sale agreement must be executed before a notary. An older home, one already resold once, or one whose occupancy permit predates 2023 gives no entitlement, whatever its price.
About the undertaking
The buyer undertakes to use the home as their main residence for five years, and to grant the State a first- or second-rank mortgage. That mortgage secures repayment of the aid. The decree provides for repayment if the final contract is not concluded, or if the home is sold before the five years are up.
4. The official procedural deadlines
The process is digital and the deadlines are chained: each step opens a deadline for the next.
The sequence
Preliminary approval of the application filed on daamsakane.ma: seven days at most. Filing of the preliminary sale agreement on the platform by the notary: seven days at most after drafting it. Payment of the aid: fifteen days at most after the documents are filed. Drawing up of the final contract: thirty days at most. Filing of a copy of the final contract on the platform: thirty days at most.
Order matters
The application comes before the sale agreement. Signing first and checking afterwards is the main reason files are lost, because the date of the occupancy permit or the nature of the sale can disqualify the property once the commitment is made.
Supporting documents
The list of supporting documents is displayed on daamsakane.ma when you apply, and that is the only list that counts. Eligibility checks are automated: the platform queries the relevant administrations directly.
5. What the scheme does not provide for
A great deal of false information circulates about Daam Sakane, much of it inherited from earlier social-housing programmes. The conditions published by the ministry contain none of the following.
No income ceiling
The thresholds expressed as multiples of the minimum wage that are frequently quoted belong to earlier social-housing schemes, not to Daam Sakane. The amount is read on the price of the home, not on the payslip.
No floor-area, age or down-payment condition
The decree sets no maximum floor area, no age bracket and no minimum down payment. The only physical requirement placed on the home is that it has at least two rooms.
No compulsory loan, no developer list
The aid is not attached to a loan: nothing requires the purchase to be financed on credit. Nor is there any official list of approved developers conditioning access to the aid: what counts is the characteristics of the home, not the identity of the seller.
No dedicated rate grid
No Moroccan bank publishes a rate grid, and there is no official "Daam Sakane" rate. The only public benchmark is Bank Al-Maghrib's quarterly survey of lending rates, which shows an average of 5.06% for housing loans in the second quarter of 2026. The legal ceiling applicable to credit granted to an individual, the maximum conventional interest rate, is set at 13.21% from 1 April 2026 to 31 March 2027.
6. FAQ
Q.Which text governs Daam Sakane?
Q.How is the amount of the aid determined?
Q.Is there an income ceiling for Daam Sakane?
Q.Can an older home be bought with Daam Sakane?
Q.What happens on a resale within five years?
Q.Is going through a bank compulsory?
Q.How long between applying and payment?
Q.Where is the application filed?
Financing the balance of your purchase
The aid covers part of the price. For the rest, compare mortgage terms before committing.
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