1. The official timetable, step by step
The decree's deadlines do not run in parallel: they are chained. The starting point is filing the application on daamsakane.ma, before the sale agreement.
Preliminary approval: seven days at most
After the application is filed on the platform, preliminary approval comes within seven days at most. Checks are automated: the platform queries the relevant administrations directly.
Filing the sale agreement: seven days after drafting
The preliminary sale agreement is executed before a notary. It is the notary who files it on the platform, within seven days of drafting it, together with the property's occupancy permit.
Payment: fifteen days at most after the documents are filed
The aid is paid no later than fifteen days after the documents are filed on the platform. It is the only step that concerns the money itself.
Final contract: thirty days, then thirty days
The final contract is drawn up within thirty days, and a copy of it is filed on the platform within thirty days. The decree provides for repayment of the aid if the final contract is not concluded.
2. What this timetable means for a remote purchase
Seen from abroad, the constraint is not the total duration but the order of operations and being available at the right moment.
The application comes before the sale agreement
Signing first and checking afterwards is the main cause of lost files. The date of the occupancy permit or the nature of the sale can disqualify the property once the commitment is made, and the aid is then not due.
The notary holds one link of the timetable
The seven-day deadline to file the sale agreement runs from its drafting, and it is the notary who holds it. Progress is therefore checked with them, not with the platform.
Signing remotely
The usual practice is a power of attorney, but its exact form, its legalisation and its acceptance are for the notary handling the file. That is the question to put to them before arranging any travel.
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. Amounts and conditions: identical for residents and non-residents
There is no separate MRE procedure. The programme is open to Moroccans living in Morocco and abroad, on the same conditions.
The scale
100,000 MAD if the sale price is 300,000 MAD including tax or less. 70,000 MAD if the sale price is above 300,000 and up to 700,000 MAD including tax. Above 700,000 MAD including tax, the property falls outside the scheme. The amount is read on the price, not on income.
The conditions
Moroccan nationality, no residential property owned at the date of acquisition, no previous State housing benefit, a home on first sale with an occupancy permit issued on or after 1 January 2023 and at least two rooms, a sale agreement executed before a notary, use as main residence for five years, and a first- or second-rank mortgage in favour of the State.
What is not required
The published conditions mention no income ceiling, no minimum down payment in foreign currency, no consular card, no account opened beforehand in Morocco, and no list of partner banks. The list of documents actually requested is displayed on daamsakane.ma when you apply, and it is the only one that counts.
4. Financing the balance
The aid covers part of the price. The rest is financed freely, with or without a loan.
No loan imposed
The official conditions do not attach the aid to a loan. A purchase funded without borrowing remains eligible.
The only public rate benchmarks
No Moroccan institution publishes its grid. Bank Al-Maghrib's quarterly survey of lending rates shows an average of 5.06% for housing loans in the second quarter of 2026. The maximum conventional interest rate, the legal ceiling on any credit granted to an individual, is set at 13.21% from 1 April 2026 to 31 March 2027. Any range announced in the name of a specific bank should be checked with that bank.
Currency and transfers
When income is in foreign currency and the purchase in dirhams, the exchange spread and transfer fees weigh on the final budget. The rules applying to transfers are a matter for the Office des changes: check them on oc.gov.ma and with your bank.
5. FAQ
Q.How long between applying and payment of the aid?
Q.Is the aid paid before or after the final contract is signed?
Q.Does a Moroccan living abroad receive a different amount?
Q.Is a minimum down payment in foreign currency required?
Q.Can the application be filed after signing the sale agreement?
Q.Which banks are partners in the programme?
Estimating the balance to finance
Once the aid is deducted from the price, simulate the monthly payment on the rest and compare terms before committing.
Simulate my expat home loan