1. 1. What is Daam Sakane?
| Tier | Aid amount | Max property value | Housing type |
|---|---|---|---|
| Tier 1 | MAD 100,000 | ≤ MAD 700,000 | Social conventional (VSB) |
| Tier 2 | MAD 70,000 | MAD 700,001 to 1,000,000 | Intermediate |
Daam Sakane (Arabic for "housing support") is the direct housing aid program launched by the Moroccan government on January 1, 2024, running until December 31, 2028. It replaces the former MAD 250,000 social housing scheme (VAT exempt), which was deemed ineffective by the Court of Auditors in 2022.
Principle: a non-refundable grant paid directly to the notary on the day the authentic deed is signed. No clawback if the property is sold after 4 years (anti-speculation lock-in). Total budget 2024-2028: MAD 9.5 billion, about MAD 1.9 billion per year.
Pure subsidy — not a loan
Daam Sakane is not a loan or a repayable advance. It is a grant paid by the State to the notary. It complements your personal down payment and reduces the amount you borrow from the bank.
2. 2. Eligibility Conditions (Residents and MRE)
Daam Sakane is open to Moroccan residents AND MRE (Moroccans Residing Abroad), with the same income and property value caps. The difference: for MRE, proof of income is foreign and a 30% foreign currency down payment is required (Office des Changes declaration).
Personal Conditions
- Be a Moroccan national (resident or MRE)
- Be a first-time buyer: never have owned property in Morocco
- Be 18 or older, no maximum age limit
- Spouse must also not be a property owner (ANCFCC verification)
- Not have benefited from prior State housing aid (FOGARIM, Damane Iskane, former 250k social housing)
Income Conditions
Cap: MAD 144,000/year gross (MAD 12,000/month) for the household. For couples, both spouses' incomes are added. For a single MRE, conversion uses the Bank Al-Maghrib rate of the file submission month.
| Profile | Max monthly income | Max annual income | Aid tier |
|---|---|---|---|
| Single | MAD 12,000 | MAD 144,000 | 70k or 100k |
| Couple | MAD 12,000 household | MAD 144,000 household | 70k or 100k |
| MRE France (≈) | EUR 1,100/month | EUR 13,200/year | 70k or 100k |
| MRE Belgium (≈) | EUR 1,100/month | EUR 13,200/year | 70k or 100k |
| MRE Germany (≈) | EUR 1,100/month | EUR 13,200/year | 70k or 100k |
Property Conditions
- New or resale property in Morocco, used as exclusive primary residence
- Value ≤ MAD 700,000 (VAT incl.) for the MAD 100,000 grant — social conventional housing (Social Property Value, VSB)
- Value MAD 700,001 to 1,000,000 for the MAD 70,000 grant — intermediate housing
- Covered surface area between 50 m² and 130 m²
- Commitment to occupy the property as primary residence or make it available to family (MRE case)
- No resale before 4 years (else full grant repayment + 5% penalty)
3. 3. MRE Specifics: 30% Foreign Currency Down Payment and Bank Conventions
| Element | Morocco Resident | MRE |
|---|---|---|
| Minimum personal down payment | 10% | 30% in convertible currency |
| Income proof | CNSS payslips | Payslips from country of residence |
| Office des Changes declaration | No | Yes (down payment transfer) |
| Grant payment | Notary on deed day | Notary on deed day (in MAD) |
| Processing time | 45 days | 45 days |
| Required account | Current MAD account | CCDC account (convertible dirhams) |
The Daam Sakane MRE program provides a specific procedure for Moroccans living abroad. The cornerstone: a minimum 30% personal down payment on the property value, transferred in convertible foreign currency and declared to the Office des Changes. This down payment is deposited in a convertible dirham account (CCDC) opened in Morocco.
Example: for a MAD 600,000 property eligible for the MAD 100,000 grant, the MRE must bring MAD 180,000 in foreign currency (≈ EUR 17,000). Daam Sakane covers MAD 100,000. Remaining to finance via MRE mortgage: MAD 320,000.
Aid paid in MAD at the notary
Daam Sakane aid is always paid in Moroccan dirhams, directly to the notary's CARPA account, on the day of authentic deed signing. The MRE doesn't need to transfer it personally: the State credits the notary after file validation.
4. 4. How to Build Your MRE File in 8 Steps
The full procedure takes 60 to 90 days between opening the CCDC account and signing the deed. Here are the 8 operational steps to follow from your country of residence.
Documents to prepare (checklist)
- Valid Moroccan ID card (front and back)
- Birth certificate < 3 months (Moroccan consulate or family in Morocco)
- Consular card (if you have one — speeds up processing)
- Last 3 payslips from country of residence
- Tax notice country of residence (latest available)
- Permanent employment contract or activity proof (≥ 12 months seniority)
- Residence certificate from country of residence (city hall / municipality)
- Proof of 30% down payment transfer (international bank wire confirmation)
- Office des Changes declaration for the down payment (bank form)
- Signed sale agreement or developer reservation
5. 5. daamsakane.ma Platform: Online Registration
The entire procedure goes through the official daamsakane.ma platform, accessible 24/7 from abroad. No need to travel to Morocco to submit — everything is digital. Account secured by email + phone number (foreign numbers accepted with country code).
Platform Steps
- Account creation: email + password + mobile number (French, Belgian, German or other accepted)
- ID entry: ID card + birth certificate + consular card
- MRE status: tick "Moroccan Resident Abroad" box
- Income entry: gross annual amount in foreign currency + automatic MAD conversion at BAM rate
- Document upload (PDF or JPG ≤ 5 MB per file)
- Property selection: developer reference or exact address + value
- Designate partner bank for the mortgage
- Submission — immediate acknowledgment with file number
File Tracking
Statuses visible on the platform: Pending / Under review / Document request / Accepted / Rejected. Email + SMS notifications at every status change. Possibility to respond to document requests directly online without restarting the procedure.
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.
6. 6. Processing Time: 45 Days on Average
| Stage | Average delay | Max delay |
|---|---|---|
| daamsakane.ma account creation | 10 min | — |
| Complete MRE file assembly | 15-30 days | — |
| Admissibility check | 5 days | 10 days |
| Administrative review | 30 days | 45 days |
| Interministerial validation | 5 days | 10 days |
| Decision notification | 1 day | — |
| Notary payment (deed day) | Same day | — |
| Total decision → deed | ≈ 45 days | 60 days |
Legal maximum delay is 60 working days from full file submission. In practice, the 2025 average measured by the Ministry is 45 days. MRE files are often slightly longer (50-55 days) because foreign currency down payment verification requires Office des Changes feedback.
7. 7. Partner Banks: 12 Conventional + 5 Participatory
All Moroccan banks have signed a convention with the Ministry to process Daam Sakane loans. For MRE, 12 conventional banks and 5 participatory banks (interest-free — Murabaha, Ijara) accept foreign income. MRE 2026 rates range from 4.50% to 5.75% APR in conventional, and from 4.80% to 6.10% participatory margin.
Conventional banks (interest-based)
| Bank | MRE offer | Min MRE down payment | 2026 APR |
|---|---|---|---|
| Attijariwafa Bank | Bladi MRE | 30% | 4.50-5.40% |
| Banque Populaire | Bladi Invest | 30% | 4.60-5.50% |
| Bank of Africa (BMCE) | BOA Akari MRE | 30% | 4.70-5.55% |
| CIH Bank | CIH Imtilak MRE | 30% | 4.65-5.45% |
| Crédit Agricole du Maroc | CAM Sakane MRE | 30% | 4.75-5.60% |
| Crédit du Maroc (CDM) | CDM Sakan MRE | 30% | 4.80-5.65% |
| BMCI (BNP Paribas) | BMCI Habitat MRE | 30% | 4.85-5.70% |
| Société Générale Maroc | SGM Habitat MRE | 30% | 4.85-5.75% |
Participatory banks (interest-free)
| Bank | Product | Min MRE down payment | 2026 margin |
|---|---|---|---|
| Bank Assafa (Attijariwafa) | Murabaha Sakane MRE | 30% | 4.80-5.60% |
| Umnia Bank (CIH) | Ijara Mountahia Bi Tamlik MRE | 30% | 4.90-5.70% |
| Al Yousr (Banque Populaire) | Murabaha Bladi | 30% | 5.00-5.85% |
| BTI Bank (BMCE) | Murabaha Habitat MRE | 30% | 5.10-6.00% |
| Arreda (Crédit Agricole) | Murabaha Sakane MRE | 30% | 5.20-6.10% |
8. 8. Real-World Cases: 3 MREs with Actual Numbers
Case 1 — Karim, 35, nurse in Lyon (France)
Income: EUR 2,400/month net (≈ MAD 26,000). Target: 3-room apartment in Témara, MAD 650,000 value (eligible for MAD 100,000 grant). Foreign currency down payment: MAD 195,000 (≈ EUR 18,500). Daam Sakane grant: MAD 100,000. Attijariwafa Bladi MRE loan: MAD 355,000 over 20 years at 4.80% APR. Monthly payment ≈ MAD 2,300. File submitted January 2026, deed signed April 2026 (90 days).
Case 2 — Najat, 42, accountant in Brussels (Belgium)
Income: EUR 2,600/month net (≈ MAD 28,200). Target: 4-room apartment in Salé Bouknadel, MAD 680,000 value (eligible for MAD 100,000 grant). Down payment: MAD 204,000 (≈ EUR 19,300). Grant: MAD 100,000. CIH Imtilak MRE loan: MAD 376,000 over 25 years at 4.65% APR. Monthly payment ≈ MAD 2,130. Can be combined with Daam Lekra if her spouse rents in Morocco.
Case 3 — Hicham, 50, engineer in Munich (Germany)
Income: EUR 3,800/month net (≈ MAD 41,000 — above single cap but eligible as couple, spouse with no declared income). Target: villa in Tamesna MAD 850,000 (eligible for MAD 70,000 grant). Down payment: MAD 255,000 (≈ EUR 24,100). Grant: MAD 70,000. Bank Assafa Murabaha MRE: MAD 525,000 over 15 years at 5.20% margin. Monthly payment ≈ MAD 4,250.
Real savings over 20 years
MAD 100,000 of Daam Sakane aid that doesn't add to your loan equals ≈ MAD 165,000 in interest saved on a 20-year loan at 5% APR. The aid is therefore worth MAD 165,000 net in your pocket.
9. 9. Combining Daam Sakane with Conventional MRE Mortgage
| MAD 600,000 property | Without Daam Sakane | With Daam Sakane 100k |
|---|---|---|
| MRE 30% down payment | MAD 180,000 | MAD 180,000 |
| State aid | 0 | MAD 100,000 |
| Amount to borrow | MAD 420,000 | MAD 320,000 |
| 20-year monthly at 4.80% | MAD 2,720 | MAD 2,075 |
| Total interest cost | MAD 232,800 | MAD 177,400 |
| Interest savings | — | MAD 55,400 |
| Total net gain | — | MAD 155,400 |
Daam Sakane combines without restriction with all MRE mortgage products from the 12 conventional and 5 participatory banks. The mechanism: the aid reduces the amount to borrow, which mechanically improves your debt ratio and increases bank approval chances.
10. 10. Checklist of 10 MRE Actions for 2026
- 1. Verify first-time buyer eligibility: no property in your name in Morocco (ANCFCC online request, MAD 50)
- 2. Calculate your annual income converted to MAD at BAM monthly rate (must be < MAD 144,000)
- 3. Open a convertible dirham account (CCDC) at one of the 12 partner banks in Morocco
- 4. Request your consular card if you don't have one (Moroccan consulate in country of residence, free, 2-4 weeks)
- 5. Identify 2-3 eligible properties (< MAD 700,000 for 100k grant) — conventional developer OR resale
- 6. Prepare 30% down payment in convertible currency and transfer it to the CCDC
- 7. Create your account on daamsakane.ma and upload the 10 required documents
- 8. Request loan pre-approval from at least 2 banks (Attijariwafa Bladi MRE + CIH Imtilak MRE)
- 9. Track your file on the platform (status visible 24/7) — respond within 5 days if documents are requested
- 10. Sign the deed at the notary — the MAD 100,000 aid is credited on D-day by the State
11. FAQ
Q.Can an MRE really receive MAD 100,000 in Daam Sakane aid?
Q.Is the aid refundable if I resell the property?
Q.What is the minimum down payment for an MRE?
Q.Can I combine Daam Sakane with Daam Lekra?
Q.What is the delay between file submission and aid payment?
Q.Which participatory banks are Daam Sakane MRE accredited?
Q.Do I need to travel to Morocco to submit the file?
Q.What if my income in euros exceeds MAD 12,000/month after conversion?
Q.Is Daam Sakane aid taxable?
Q.Can I use Daam Sakane to buy in any city in Morocco?
Q.What Office des Changes documents are mandatory for an MRE?
Q.Can I buy resale (old) or only new developer?
Simulate Your MRE Mortgage with Daam Sakane
Receive within 24h comparative offers from the 12 conventional and 5 participatory banks already integrating the MAD 100,000 Daam Sakane aid. Free study, no commitment.
Compare MRE mortgages