Home Loan Calculator Morocco
Calculate residential home loan payments, down payment (20%), notary fees, and Fogarim / Fogaloge guarantees in MAD.
Home Loan Calculator Morocco
منهجية الحساب
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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البيانات والمدخلات
تعتمد هذه الحاسبة على المدخلات واللوائح والسلالم الرسمية المعمول بها.
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أساس الصيغة الحسابية
يتم تطبيق الصيغ والسلالم الضريبية والاجتماعية المعتمدة رسمياً بشفافية تامة.
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النتيجة المقدرة
منصة AfricalHub منصة مستقلة ولا تتبع أي جهة حكومية. جميع الحسابات للأغراض التقديرية والتخطيط المالي الشخصي.
المصادر واللوائح الرسمية
البيانات والمدخلات
تعتمد هذه الحاسبة على المدخلات واللوائح والسلالم الرسمية المعمول بها.
الأسئلة الشائعة (FAQ)
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.