Daam Sakane 2026: Resident, MRE, Young first-time buyer - which variant for you?

1. Daam Sakane: the 3 variants for 2026

Daam Sakane is a direct grant scheme for the acquisition of a primary residence, launched in 2024 by the Moroccan State as part of the 2024-2028 Emergency Housing Plan. The final target is to support 80,000 households by end of 2028. The end-2025 results show 32,500 cumulative beneficiaries, placing the scheme on a trajectory consistent with government commitments.

In 2026, Daam Sakane is split into 3 variants to better target buyer profiles: the Resident variant (standard Moroccan households), the MRE variant (Moroccans Residing Abroad with foreign-currency down payment) and the Young first-time buyer variant (buyers under 35 with reduced 10 % down payment). Each variant has its own income caps, property price caps and down-payment rules.

2. Comparison table of the 3 variants in 2026

The table below summarizes the key parameters of the three Daam Sakane variants. The Young variant is the most advantageous in terms of saving effort (10 % down payment) but remains reserved for under-35s on permanent contracts. The MRE variant is the most generous in amount (MAD 100,000) but requires a reinforced down payment in foreign currency (30 %).

3. Young first-time buyer variant -35 (MAD 100,000)

• Maximum age: under 35 at the date of signing the authentic deed
• Mandatory first acquisition: no previously owned property
• Primary residence use only (ban on renting or reselling within 7 years)
• Employee on permanent contract with at least 24 months seniority (private or public)
• Household income cap: MAD 240,000/year for 2 active earners (couple), MAD 180,000/year for 1 earner
• Property cap: MAD 700,000 per independent expertise mandated by the lending bank
• Minimum personal down payment: 10 % of the purchase price
• Grant paid directly to the notary on the day of signing the deed

Introduced in early 2026 to stimulate access to ownership by young active workers, the Young Daam Sakane variant pays a direct grant of MAD 100,000 with only 10 % of personal down payment required. It is by far the most powerful lever for first-time buyers with limited savings but stable income.

4. Standard Resident variant (MAD 70,000 or 100,000)

• Grant of MAD 100,000 if the property is at or below MAD 700,000
• Grant of MAD 70,000 if the property is between MAD 700,000 and 1,000,000
• Strict household income cap: MAD 144,000/year all declared income combined
• Minimum personal down payment: 20 % of the purchase price
• Mandatory first acquisition (verified through the Land Registry)
• Primary residence use - commitment not to rent/resell for 7 years
• New or existing property eligible (no construction-year restriction)
• Compatible with public developers (Al Omrane) and approved private ones

The Resident variant is the historical version of Daam Sakane, open to all Moroccan households residing in Morocco who acquire their first primary residence. It is split into two grant levels depending on the property price, with a household income cap of MAD 144,000/year (around MAD 12,000/month).

5. MRE variant MAD 100,000 with foreign-currency down payment

• Flat grant: MAD 100,000 paid to the notary
• Minimum down payment: 30 % of the purchase price, wired in forex from country of residence
• Property cap: MAD 1,000,000 per bank expertise
• No income cap (foreign income not systematically verifiable)
• Proof of residence abroad for at least 12 months (consulate, employer, tax)
• First acquisition in Morocco (clean title at the Land Registry)
• All diaspora countries eligible: Europe, North America, Gulf, Africa
• Compatible with MRE mortgages in convertible dirhams

The MRE variant targets Moroccans residing abroad who wish to acquire a home in Morocco. It is significantly more generous on the property cap (MAD 1 million) but requires a reinforced 30 % down payment that must be transferred in foreign currency from the country of residence. All countries of the diaspora are eligible without distinction.

6. Documents required per variant

Each variant requires a specific file to be submitted on the daamsakane.ma platform. The common core (civil status, sale agreement, expertise) is identical, but income and residence supporting documents differ. Here is the checklist to prepare before launching the application.

7. daamsakane.ma platform: how to submit the application

Since 2025, all Daam Sakane applications are made exclusively online on the official platform daamsakane.ma. The journey is fully paperless: pre-eligibility, document upload, processing, approval notification. The official processing time is 45 working days from a complete file. Here are the steps to follow.

8. Combining Daam Sakane with a classic mortgage

• Daam Sakane = non-refundable grant (zero interest, zero monthly payment)
• The classic mortgage finances the balance after down payment + grant
• Standard financing plan: personal down payment + Daam Sakane grant + bank loan
• Grant paid on signing day directly to the notary (never lands on client account)
• No impact on debt-to-income ratio (grant not counted as debt)
• Compatible with classic mortgage insurance and mortgage guarantee
• Islamic banks eligible via compliant Mourabaha contracts
• No double subsidy: Daam Sakane excludes combination with FOGARIM or FOGALOGE-PUBLIC

Daam Sakane is not a loan: it is a non-refundable grant paid by the State. It is therefore necessarily combined with a classic mortgage taken out from a partner bank to finance the rest of the purchase price. 80 % of Moroccan banks are partnered, including all majors (Attijariwafa Bank, Banque Populaire, BMCE, CIH, Crédit du Maroc, Société Générale) and Islamic banks (Umnia, Bank Al Yousr, Bank Assafa).

9. 2025 review and 2028 target of the program

• 2024: 11,200 beneficiaries (launch year, gradual ramp-up)
• 2025: 21,300 beneficiaries (+90 % vs 2024)
• End-2025 cumulative: 32,500 supported households out of 80,000 targeted
• 2026: annual target 25,000 beneficiaries (introduction of Young variant)
• 2027: annual target 22,500 beneficiaries
• 2028: 80,000 cumulative subsidized homes (program close)
• Total budget: MAD 6.8 billion over 5 years
• Casablanca-Settat and Rabat-Salé-Kénitra account for 58 % of files

Launched in January 2024, Daam Sakane has gradually scaled up: 11,200 beneficiaries in 2024, then 21,300 in 2025 for a cumulative total of 32,500 supported households at end-December 2025. The pace is accelerating in 2026 with the introduction of the Young variant, expected to capture strong latent demand among urban first-time buyers. The final target of 80,000 subsidized homes by 2028 remains achievable according to the Ministry of Housing.