Morocco Mortgage Calculator 2026 (Crédit Immobilier & Fees)
Calculate Moroccan home loan monthly payments (Crédit Immobilier), bank interest, notary fees, and Bank Al-Maghrib debt-ratio limits in MAD.
Morocco · Mortgage Calculator Morocco
Methodology
Computes amortized monthly installments, down payment requirements (10% to 20%), 0.40% annual borrower life insurance, notary registration fees (~6.5%), and debt-to-income (DTI) eligibility for top Moroccan banks (Attijariwafa, BCP, CIH, BMCE).
-
01
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.
-
02
Formula basis
The formula is shown openly and no country rate is inserted automatically.
-
03
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.
Morocco Mortgage Overview: Top Commercial Banks & Typical Terms
| Lending Institution | Typical Fixed Rate (p.a.) | Max Term | Down Payment |
|---|---|---|---|
| CIH Bank (Spécialiste Immobilier) | 4.25% – 4.95% | Up to 30 years | 10% – 20% |
| Attijariwafa bank | 4.50% – 5.20% | Up to 25 years | 10% – 20% |
| Banque Populaire (BCP) | 4.40% – 5.10% | Up to 25 years | 10% – 20% |
| Bank of Africa (BMCE) | 4.50% – 5.30% | Up to 25 years | 15% – 20% |
| Société Générale Maroc | 4.60% – 5.40% | Up to 25 years | 15% – 20% |
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 is the current mortgage interest rate in Morocco in 2026?
Fixed mortgage interest rates at Moroccan commercial banks (CIH, Attijariwafa, BCP) typically range from 4.25% to 5.50% depending on borrower profile and loan tenure.
What is the maximum allowed debt ratio (taux d'endettement) in Morocco?
Bank Al-Maghrib recommends a maximum debt-to-income ratio of 40% to 50% of your verifiable net monthly salary for all combined bank loan deductions.
What are the notary and registration fees for buying property in Morocco?
Upfront acquisition fees total approximately 6.5% to 7% of property price, comprising 4% registration duty (droits d'enregistrement), 1.5% land conservation fees (conservation foncière), and ~1% notary fees plus VAT.