Morocco Mortgage Simulator
Calculate your monthly payments, notary fees, and interest for your home loan in Morocco with precision.
Simulate your mortgage with Daam Sakane housing aid, notaire fees, debt capacity check, and full amortization schedule.
= 100.000 MAD
Typical Morocco rates: 3.9% - 5.2% (2026)
How to Use the Morocco Mortgage Simulator
Enter the property price in MAD and your down payment percentage.
Check the Daam Sakane box if you are a first-time buyer to apply the government aid.
Enter your net monthly income and existing debts to check your borrowing capacity.
Click Simulate to see your monthly payment, all fees, and the full amortization schedule.
Why Use Our Morocco Mortgage Simulator?
Daam Sakane Integration
Automatically applies the government housing aid (100,000 or 70,000 MAD) if you qualify as a first-time buyer.
Real Notaire Fees
Calculates exact registration tax (4%), conservation fonciere (1.5%), notary honoraires, TVA, stamps, and bank processing fees.
Debt Capacity Check
Verifies your debt-to-income ratio against the Moroccan banking standard of 45%, so you know if your loan will be approved.
Total Project Cost
See the complete picture: property price + all fees - government aid = what you actually need to budget.
Frequently Asked Questions
What is Daam Sakane?
Daam Sakane is Morocco's direct housing aid program (2024-2028). First-time buyers who never owned property in Morocco receive 100,000 MAD for properties up to 300,000 MAD TTC, or 70,000 MAD for properties between 300,001 and 700,000 MAD TTC.
How much are notaire fees in Morocco?
Total acquisition fees are typically 6.5% to 7.5% of the property price. This includes: registration tax (4%), conservation fonciere (1.5%), notary honoraires (1-1.5%), TVA on notary fees (10%), and stamps/admin (~2,000 MAD).
What is the maximum debt-to-income ratio in Morocco?
Moroccan banks generally apply a 45% maximum debt-to-income ratio. This means your total monthly debt payments (mortgage + existing debts) should not exceed 45% of your net monthly income.
What are typical mortgage rates in Morocco?
As of 2026, rates range from 3.9% to 5.2% depending on the bank and borrower profile. Government employees and established professionals typically get the best rates (3.9-4.2%).
Is my financial data stored anywhere?
No. All calculations run entirely in your browser using JavaScript. No data is sent, stored, or logged on any server.