1. Same conditions, same amount
There is no "Daam Sakane for MRE". The scheme is single, and living abroad opens neither a top-up nor a separate procedure.
The amount does not change
100,000 MAD if the sale price is 300,000 MAD including tax or less, 70,000 MAD if it is above 300,000 and up to 700,000 MAD including tax. The amount is read on the price of the home, not on the buyer's tax residence.
Nor do 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, 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 consular card, no evidence of foreign income, no extended occupancy deadline for non-residents, and no requirement to go through a bank established abroad. These claims circulate widely; they are not in the text.
2. The main-residence condition, seen from abroad
This is the point to weigh seriously before committing, because it runs for five years and is secured by a mortgage.
The undertaking
The buyer undertakes to use the home as their main residence for five years. The State takes a first- or second-rank mortgage as security. The decree provides for repayment of the aid if the home is sold before that term, as it does if the final contract is not concluded.
The question to ask
A home meant to be rented out, or occupied a few weeks a year, does not match that undertaking. If the plan to return is not settled, it is better to review the exact scope of the commitment with the notary before filing, rather than after receiving the aid.
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 notary's role and the remote process
The application is digital, but the chain runs through the notary, who files the deeds on the platform.
The official sequence
Filing on daamsakane.ma, then preliminary approval within seven days at most. The sale agreement is executed before a notary, who files it on the platform within seven days of drafting it, together with the occupancy permit. Payment comes no later than fifteen days after the documents are filed. The final contract is drawn up within thirty days and a copy filed within thirty days.
What can be handled remotely
The application is filed online. For the deeds, 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 who to ask before arranging any travel.
Supporting documents
The list of supporting documents is displayed on daamsakane.ma when you apply. It is the only list that counts, and it prevails over any list copied elsewhere, including here.
4. Financing the balance from abroad
The aid covers part of the price. The rest is funded from savings, from a loan taken out in Morocco, or from a loan taken out in the country of residence.
No loan imposed
The official conditions do not require a bank loan. A purchase funded without borrowing is not excluded from the scheme.
The only public rate benchmarks
No Moroccan institution publishes its grid. 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 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 rate range announced in the name of a specific bank should be checked with that bank.
Currency
When income is in foreign currency and the purchase in dirhams, the exchange spread and transfer fees weigh on the final budget. They deserve the same comparison as the rate.
5. The mistakes that cost the file
Refusals almost always come down to a condition that is not met, and most can be checked before anything is filed.
Signing before filing
The application comes before the sale agreement. An agreement signed on a property whose occupancy permit predates 2023, or which is not a first sale, commits the buyer to a property that will give no entitlement.
A property owned in Morocco or elsewhere
The condition is about not owning a residential property at the date of acquisition. An inherited property falls within its scope. This is a point to clarify with the notary before filing.
Relying on a copied list
Eligibility checks are automated and the platform queries the administrations directly. If a piece of data used looks wrong, it is corrected at source, with the relevant administration, before reapplying.
6. FAQ
Q.Do Moroccans living abroad get a higher amount?
Q.Is a consular card compulsory for Daam Sakane?
Q.Can the whole procedure be completed without coming to Morocco?
Q.Is the occupancy commitment longer for a non-resident?
Q.Can the home be rented out?
Q.Which banks grant a loan tied to Daam Sakane?
Preparing the financing of your purchase
Estimate the monthly payment on the balance to be financed and compare terms before committing from abroad.
Simulate my expat home loan