Home Loan Calculator Morocco
Calculate residential home loan payments, down payment (20%), notary fees, and Fogarim / Fogaloge guarantees in MAD.
Home Loan Calculator Morocco
Methodology
Calculate monthly installments, total interest, and acquisition overheads for Moroccan property purchases. Supports both conventional bank mortgages and state-backed housing guarantee schemes (Fogarim for modest incomes, Fogaloge for middle-class professionals managed by Tamwilcom).
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User-provided inputs
This calculator uses only the values you enter. It does not automatically apply tax law, statutory deductions, lender fees, or live exchange rates.
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Formula basis
The formula is shown openly and no country rate is inserted automatically.
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Your estimate
AfricalHub is an independent private platform not affiliated with any government agency. Calculations are for educational planning only. Verify official filings with the relevant revenue authority or a qualified professional.
Sources
User-provided inputs
This calculator uses only the values you enter. It does not automatically apply tax law, statutory deductions, lender fees, or live exchange rates.
Frequently asked questions
What down payment is required for a home loan in Morocco?
Moroccan commercial banks typically require a minimum down payment (apport personnel) of 10% to 20% of the property value, although state-guaranteed Fogarim programs can cover up to 100% of financing.
What are the additional notary and registration fees when buying a home in Morocco?
Buyer transaction costs total approximately 6% to 7% of property value: 4% registration duty (droits d'enregistrement), 1.5% land registry fee (conservation foncière), plus notary fees (0.5% to 1%) and mortgage registration fees.
What are the current mortgage interest rates in Morocco?
Standard fixed mortgage rates in Morocco currently range between 4.25% and 5.25%, while variable rates linked to Bank Al-Maghrib benchmarks range between 3.90% and 4.75% plus bank margin.