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Mourabaha vs classic mortgage in Morocco

Updated on April 18, 202610 min read

Since 2017, Moroccan participatory banks have offered Islamic Mourabaha as an alternative to conventional bank loans. Nearly 25,000 Mourabaha contracts signed in 2024.

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.

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1. Legal mechanics

Classic loan is a money loan with interest. Mourabaha is a purchase-resale contract: bank buys the property and resells it with a fixed margin.

2. FAQ

Q.Is Mourabaha really halal?
Yes, certified compliant by the Moroccan Supreme Scientific Council.

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