Daam Sakane by profile: resident, MRE, young buyer

1. One scheme, two amounts

The scale contains no buyer category. It knows only the sale price of the home, all taxes included.

The scale

100,000 MAD for a home whose sale price is 300,000 MAD including tax or less. 70,000 MAD where that 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.

What the scale ignores

Neither income, nor age, nor place of residence, nor family situation enters the calculation. A resident and a Moroccan living abroad buying the same home at the same price receive the same sum.

A one-off aid

The aid is granted once per buyer and cannot be combined with another housing benefit granted by the State.

2. You live in Morocco

This is the simplest case, and the one where the checks fall almost entirely on the property.

To check about yourself

Moroccan nationality, no residential property owned at the date of acquisition, no housing benefit already granted by the State. An inherited property falls within the scope of the first condition.

To check about the property

First sale, occupancy permit issued on or after 1 January 2023, at least two rooms, sale agreement executed before a notary. An older property stays outside the scheme whatever its price.

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3. You live abroad

There is no "Daam Sakane for MRE". The conditions and the amount are everyone's; what differs is the practical organisation.

No top-up, no separate procedure

The amount is read on the price of the home, as it is for a resident. The published conditions mention no consular card, no evidence of foreign income, and no extended occupancy deadline for non-residents.

What changes in practice

The chain runs through the notary, who files the sale agreement on the platform within seven days of drafting it. Whether signing by power of attorney is possible, in what form and with what legalisation, is for the notary handling the file: that is who to ask before arranging any travel.

The occupancy undertaking

It is the same for everyone: using the home as the main residence for five years, with a first- or second-rank mortgage granted in favour of the State. A home intended for letting does not match that undertaking.

4. You are under 35

No age condition appears in the scheme, neither as a route in nor as a top-up.

What the text says

The decree sets no age bracket. A buyer of 25 and a buyer of 55 fall under the same conditions and the same scale, at an equal home price.

The real issue on a first purchase

What matters at that age is not a variant but financing the balance. The official conditions require neither a bank loan nor a minimum down payment, but the bank applies its own criteria: that is where the difficulty lies, not in the aid scheme.

5. What really changes from one file to the next

Three variables, and none of them is the buyer's profile.

The price of the home

It sets the amount, and the threshold effect is sharp: a home listed at 305,000 MAD gives entitlement to 70,000 MAD, against 100,000 MAD for the same home listed at 300,000 MAD.

The age of the home

The occupancy permit must be issued on or after 1 January 2023 and the sale must be a first sale. This is the condition that rules out the most files, before any consideration of profile.

Financing the balance

No Moroccan institution publishes a rate grid. The only public benchmark is Bank Al-Maghrib's quarterly survey, which shows an average of 5.06% for housing loans in the second quarter of 2026. The maximum conventional interest rate is set at 13.21% from 1 April 2026 to 31 March 2027.

6. FAQ

Q.Is there a Daam Sakane variant reserved for Moroccans abroad?

No. The programme is single and open to Moroccans living in Morocco and abroad, on the same conditions and for the same amounts. The amount is read on the sale price of the home including tax: 100,000 MAD up to 300,000 MAD, 70,000 MAD between 300,000 and 700,000 MAD.

Q.Is there an increased grant for the under-35s?

No. No age condition appears in the scheme, neither to qualify nor to increase the amount. Decree no. 2-23-350 sets no age bracket.

Q.Does the amount depend on my income?

No. The conditions published by the ministry contain no income ceiling. The amount depends solely on the sale price of the home, all taxes included. The thresholds expressed as multiples of the minimum wage that are often quoted come from earlier social-housing schemes.

Q.How long must the home be occupied?

Five years. The buyer undertakes to use the home as their main residence for five years and grants the State a first- or second-rank mortgage to that effect. The decree provides for repayment of the aid if the property is sold before that term.

Q.How do I know which amount I can get?

By looking at the tax-inclusive sale price written into the agreement, and nothing else. 300,000 MAD including tax or less: 100,000 MAD. Between 300,000 and 700,000 MAD including tax: 70,000 MAD. Above that: the home gives no entitlement.

Q.Where should I check my situation before applying?

On daamsakane.ma, which displays the list of documents when you apply and queries the administrations directly, and with the notary for borderline cases: an inherited property, a rental plan, an earlier housing benefit.

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.

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