1. 1. Daam Sakane MRE: what changes vs the resident program
The two tiers (MAD 100,000 for Tier 1 and MAD 70,000 for Tier 2) are identical for MREs and residents, as are price caps. The 4 major differences:
Mandatory consular card
Free document issued by Moroccan consulates in country of residence. Valid 5 years. Requested with passport + foreign residence proof. Delay 2-4 weeks. Without a valid consular card, the file is rejected at the administrative stage.
Occupation commitment extended to 12 months
Residents must occupy within 6 months of delivery; MREs benefit from a 12-month delay to allow return organization (moving, residence transfer, children schooling). Beyond 12 months, full subsidy repayment is required.
Foreign income proofs converted to MAD
Country-of-residence income (salary, pension, dividends) is accepted subject to conversion to MAD at the Bank Al-Maghrib rate on the file submission day. The bank requires: last 3 pay slips, employment contract translated into French, country-of-residence tax notice, 12-month bank statements. All documents apostilled (Hague Convention).
Remote procedure via European branches
The MRE can compile their file entirely from the country of residence via: Attijariwafa Bank Europe, Chaabi Bank (BP Europe subsidiary), BMCE Bank International Europe. The file is transmitted to Casablanca/Rabat for final validation.
2. 2. European banks authorized to process Daam Sakane MRE
3 Moroccan banking networks operate in Europe and accept Daam Sakane MRE files remotely. 2026 comparison:
Attijariwafa Bank Europe (AWB Europe)
Coverage: France, Belgium, Spain, Italy, Germany, Netherlands, UK. Specialty: 72h pre-approval on complete files. Dedicated "Bladi Daam Sakane" service.
Chaabi Bank (Banque Populaire subsidiary)
Coverage: France, Belgium, Spain, Italy, Netherlands, Germany. Specialty: "Yousr Bladi MRE" program combining Daam Sakane + participatory Mourabaha.
BMCE Bank International Europe
Coverage: France, Spain, Italy, Belgium. Specialty: premium MRE / expatriate executives clientele. Acceptance of income in USD/CHF/GBP in addition to EUR.
3. 3. Tax treaties: impact on income eligibility
Bilateral tax treaties Morocco-country of residence determine whether your income is taxable in Morocco or abroad. For Daam Sakane, only regularly declared and taxed income counts.
France-Morocco treaty (1970, revised 2009)
Salary earned in France = taxed in France only (art. 14). The France-resident MRE presents French tax notice. Moroccan bank accepts without need for Moroccan declaration. French retirement pension: 80% allowance in Morocco if transferred in non-convertible MAD.
Belgium-Morocco treaty (1972, revised 2006)
Mechanism similar to France. Belgian salary = IPP in Belgium only.
Spain-Morocco treaty (1985)
Spanish salary = IRPF in Spain. Spain specificity: civil servant pension remains taxable in Spain (art. 19).
4. 4. Complete procedure from abroad: 9 steps
From developer selection to key delivery, here is the complete sequence to follow from your country of residence.
Preparation (1-2 months ahead)
(1) Consular card obtainment. (2) Non-property certificate request. (3) Accredited developer selection. (4) Property selection. (5) European bank choice.
File compilation (2-4 weeks)
(6) Apostilled foreign proofs collection. (7) Sale promise signed. (8) Complete file submission to European branch.
Finalization (60-90 days)
(9) Definitive deed signing with Moroccan notary. Subsidy disbursed to buyer's account within 30 days after signing.
5. FAQ
Q.Can an MRE compile a Daam Sakane file remotely without coming to Morocco?
Q.What documents must an MRE provide for Daam Sakane in 2026?
Q.Can the MRE occupy the Daam Sakane property as a secondary residence?
Q.What foreign income is accepted to compute Daam Sakane tier eligibility?
Q.Is Daam Sakane MRE compatible with classic MRE mortgages from banks?
Request Your Daam Sakane MRE
Compare the 3 authorized European banks (AWB Europe, Chaabi Bank, BMCE International) and start your file from your country of residence.
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