Wafir.ma financial simulators let you accurately calculate your monthly payments, borrowing capacity and total financing cost before contacting a bank. Each tool uses standard Moroccan banking formulas and current Bank Al-Maghrib indicative rates. All calculations run locally in your browser — no personal data is collected or transmitted.

The mortgage simulator calculates your monthly payments based on the borrowed amount, duration (up to 25 years) and interest rate. It also generates a full amortization table showing the capital/interest split month by month. The Mourabaha simulator is specifically designed for Sharia-compliant participatory financing, calculating the profit margin instead of the interest rate.

The borrowing capacity calculator determines the maximum amount you can borrow based on your income, expenses and the 45% maximum debt ratio recommended by Bank Al-Maghrib. The notary fees calculator estimates real estate acquisition costs in Morocco: registration fees (4%), land registry (1.5%), notary fees and VAT.

The auto insurance comparator lets you compare offers from 8 Moroccan insurers based on your driver profile and vehicle. The debt consolidation simulator calculates potential savings by merging your existing loans into a single reduced-rate loan.

All our tools are 100% free, no sign-up and no commitment. Results are indicative and based on average market rates — to get a personalized offer, use our comparator to connect with partner banks and insurers.

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