Free tool
Borrowing Capacity Calculator
Estimate how much you can borrow.. Based on the 33% debt ratio rule applied by Moroccan banks.
Your income & expenses
15.000 MAD
5 000 MAD100 000 MAD
3.000 MAD
0 MAD50 000 MAD
4.2%
2%Avg. 4.2%10%
20 years
5 years30 years
Capacity by term
The green bar represents your selected term (20 years)
Your borrowing capacity
Borrowing Amount
642.262 MAD
Max monthly payment
3.960 MAD
Debt Ratio
33.00%
Debt ratio
<25%
Excellent
25-33%
Acceptable
>33%
At risk
The 33% rule in Morocco
Moroccan banks apply a 33% debt ceiling. Your monthly loan payments must not exceed one-third of your net monthly income. This ratio includes all current loans.
Eligible profile
Your debt ratio of 26% meets bank criteria. You can borrow up to 642.262 MAD.
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