Borrowing Capacity Calculator

The calculator first determines your maximum monthly payment: it subtracts your monthly expenses (ongoing loans, fixed obligations) from your net income, then applies the prudent 33% rule to the remainder. Example: with MAD 15,000 income and MAD 3,000 expenses, your payment ceiling is (15,000 − 3,000) × 33% = MAD 3,960. Note that the prudential ceiling set by Bank Al-Maghrib (circular 15/G/2013) is actually a 40% debt ratio, stretched to 45% for high earners (above MAD 25,000/month) — the tool deliberately keeps the conservative 33% threshold that Moroccan banks treat as a file's comfort zone.

That maximum payment is then converted into borrowable capital using the standard fixed-installment amortization formula: capital = payment × [(1 + r)ⁿ − 1] / [r × (1 + r)ⁿ], where r is the monthly rate and n the number of months. The default 4.2% rate matches the average Moroccan mortgage rate in 2026 (observed range: 3.5% to 5.5% depending on profile and bank, with the Bank Al-Maghrib policy rate held at 2.25%); you can adjust it from 2% to 10% and vary the term from 5 to 30 years. With the MAD 3,960 payment above, at 4.2% over 20 years, borrowing capacity comes out at about MAD 642,000.

The result comes with a three-zone debt gauge (below 25%: excellent, 25 to 33%: acceptable, above 33%: risk of refusal) and a chart comparing your capacity over 10, 15, 20 and 25 years. Term is the most powerful lever: the same profile (MAD 3,960 payment, 4.2%) borrows about MAD 387,000 over 10 years but MAD 735,000 over 25 years — nearly double, at the cost of higher total interest.