1. The 4 eligibility pillars
- Income stability: permanent contract with ≥ 1 year tenure
- DTI ≤ 40% (45% exceptional)
- Down payment: 10% min, 20-30% standard
- Age: borrower + duration ≤ 70 years at maturity
2. How to calculate your DTI
Formula: (future mortgage payment + other loans + rent) / net monthly income × 100
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.
Compare borrower insurance100% free · 2 minutes
3. Down payment: how much?
| Profile/Product | Minimum | Recommended |
|---|---|---|
| First-time buyer + Damane Iskan | 10% | 15% |
| Standard employee | 20% | 25% |
| Rental investment | 30% | 35% |
| MRE (foreign currency) | 20% | 30% |
Source: Wafir.ma — April 18, 2026
4. Documents required
- Valid national ID
- Employment certificate (< 3 months)
- Last 3 pay slips
- Bank statements last 6 months
- Signed purchase agreement
- Proof of down payment
5. FAQ
Q.What is the minimum salary for a mortgage in Morocco?
No legal minimum, but the monthly payment must not exceed 40% of net income. For an 800,000 MAD loan over 20 years at 4.35%, minimum net income ≈ 12,500 MAD/month.
Q.Can one borrow without a down payment?
Rare, possible via Fogarim or Social Housing 250,000. For a classic loan, minimum is 10% with Damane Iskan.
Q.Is a fixed-term contract accepted?
Very difficult. Exceptions: fixed-term ≥ 3 years remaining in administration or large corporation.
Q.Maximum age to borrow?
70 years at loan maturity in most banks. 75 years at CIH and BP for civil servants.
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