Notary Fees Real Estate Morocco 2026: Calculation + Official Scale

1. 1. The 4 categories of 2026 real estate acquisition fees

Beyond negotiated price, buyer must budget 4 fee categories paid to different recipients.

Category 1 — Notary fees (1-1.5%)

Official degressive scale since 2022: 0-1M MAD: 1.5%. 1-5M MAD: 1%. > 5M MAD: 0.5%. For MAD 1.5M property: MAD 20,000 + 20% VAT = MAD 24,000.

Category 2 — DGI registration fees (0-4%)

3 cases: existing 4%, new social 0%, new non-social 4%. For existing MAD 1.5M property: MAD 60,000.

Category 3 — Land registry (1%)

ANCFCC fees. Uniform 1% of sale price. For MAD 1.5M property: MAD 15,000. Delay: 30-90 days.

Category 4 — Various taxes (MAD 200-2,000)

Notarial tax, stamps, variable notary fees, real estate expertise (MAD 1,500-3,500).

2. 2. Cumulative 2026 acquisition fees by property type

Total varies significantly between new social, new non-social, and existing.

EXISTING property — total ~ 6.5-7.5%

For Casa Maarif MAD 1.5M apartment: MAD 102,500 = 6.83% of price.

NEW NON-SOCIAL property — total ~ 6-7%

For MAD 1.5M new apartment: MAD 100,000 = 6.67%.

NEW DAAM SAKANE / social property — total ~ 2-3%

Registration fees exemption (4% saved). For Daam Sakane Tier 2 (MAD 650k HT): only MAD 19,000 = 2.92%. Major savings ~ 4%.

LUXURY property — total ~ 5-6%

For villa > MAD 5M: favorable degressive notary scale. For MAD 8M villa: MAD 490,000 = 6.13%.

3. 3. Detailed step-by-step calculation — Casa Maarif 1.5M existing example

Comprehensive breakdown of real calculation.

Base data

Negotiated price: MAD 1,500,000. Existing property. Buyer: Casa 38-year executive with MAD 1.2M Attijariwafa Bank mortgage.

Step 1 — Notary fees (degressive scale)

MAD 1M × 1.5% = MAD 15,000 + MAD 500k × 1% = MAD 5,000 = MAD 20,000 HT. 20% VAT: MAD 4,000. Total: MAD 24,000 TTC.

Step 2 — DGI registration fees

Existing rate: 4% of declared sale price. 4% × MAD 1,500,000 = MAD 60,000.

Step 3 — Land registry fees

1% × MAD 1,500,000 = MAD 15,000.

Step 4 — Taxes and ancillary fees

Notarial tax MAD 100 + stamps MAD 300 + fees MAD 800 + expertise MAD 2,500 = MAD 3,700.

TOTAL acquisition fees

MAD 24,000 + 60,000 + 15,000 + 3,700 = MAD 102,700 = 6.85% of price. If agency commission yours: MAD 147,700 = 9.85%.

4. 4. 4 numerical simulations by profile and property type 2026

Cumulative fees comparison by 4 typical profiles.

Profile 1 — Daam Sakane first-time buyer (MAD 650k)

Total: MAD 19,000 = 2.92%. Very advantageous.

Profile 2 — Casa executive existing (MAD 1.5M)

Total: MAD 102,700 = 6.85%. Most common case.

Profile 3 — MRE buying Marrakech villa (MAD 4M new)

Total: MAD 259,500 = 6.49%.

Profile 4 — Casa Anfa luxury villa investor (MAD 8M)

Total: MAD 490,000 = 6.13%. Relative advantage degressive scale.

5. 5. Legal optimizations to reduce 2026 fees

5 legal optimization levers.

Optimization 1 — Favor Daam Sakane if eligible

100% registration fees exemption. Major savings MAD 26,000 on MAD 650k.

Optimization 2 — Negotiate agency commission

2.5-3% HT of price. Negotiate before compromise signing.

Optimization 3 — Social VEFA purchase

Exemption + deferred notary fees payment to delivery.

Optimization 4 — Choose right notary

Same scale for all notaries. Difference: variable fees MAD 500-1,500, processing speed.

Optimization 5 — Don't under-evaluate sale price (ILLEGAL)

Illegal practice. Risks: DGI tax adjustment + 100% fine + future capital gain impact.

6. FAQ

Q.What are notary fees for real estate purchase in Morocco 2026?

Notary fees alone: 1-1.5% of property price + 20% VAT. For MAD 1.5M property: MAD 24,000 TTC. But "notary fees" broadly include DGI registration fees (4% existing), land registry (1%), taxes. Total: 5.5-7.5% of price.

Q.How much do apartment acquisition fees cost in Casablanca 2026?

Example Casa Maarif MAD 1.5M existing apartment: MAD 102,700 total = 6.85% of price. For new Daam Sakane Tier 2 (MAD 650k): only MAD 19,000 = 2.92% (registration exemption).

Q.What is the official Moroccan notary scale 2026?

Degressive official scale since 2022: 0-1M: 1.5%. 1-5M: 1%. > 5M: 0.5%. No legal negotiation. All notaries apply same scale.

Q.How to reduce real estate purchase fees in Morocco 2026?

5 legal optimizations: favor Daam Sakane, negotiate agency commission, social VEFA purchase, choose right notary. Don't under-evaluate price (illegal).

Q.What are registration fees for real estate purchase in Morocco 2026?

By property type: existing 4%, new social Daam Sakane 0% (total exemption), new non-social 4%, profession 6%. For existing MAD 1.5M property: MAD 60,000.

Q.How much does land registry cost in Morocco 2026?

Land registry (ANCFCC): 1% of sale price. For MAD 1.5M property: MAD 15,000. Delay: 30-90 days after notary submission.

Q.Do I pay notary fees before or after deed signing in Morocco 2026?

Notary fees paid AT deed signing (never before). Methods: bank transfer or certified check to notary CARPA account. Cash forbidden > MAD 30,000. Some banks offer "PRÊT FRAIS NOTAIRE" loan.

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