About Flos.ma

Morocco has a diverse and evolving banking sector, with financial institutions offering different products, conditions, and financing solutions.

But finding and comparing this information isn't always straightforward.

Consumers often need to visit multiple bank websites, navigate different product descriptions, and interpret financial terminology before they can understand what options are available.

We believe there should be an easier way. That's why we're building Flos.ma.

A platform that brings financial information together in one place, making it easier for consumers to explore, understand, and compare their options.

We're starting with mortgages because buying a home is one of life's most important financial milestones. And we believe everyone deserves access to clear information before making that decision.

Flos.ma is an independent financial information and comparison platform focused on Morocco.

Today, we help users:

• Compare mortgage information: Explore mortgage products, indicative interest rates, and financing conditions across Moroccan banks.
• Explore available options: Discover different financial institutions and their mortgage offerings.
• Make informed decisions: Access clear explanations of financial concepts without unnecessary complexity.

Calculators to help explain potential monthly repayments are coming soon.

The supplied rates and financing terms currently shown are unverified. Unknown values are clearly marked; confirm all conditions with each bank.

Rates and financing conditions may change and depend on individual circumstances. Final offers are determined by the financial institutions themselves.

Transparency is central to how we operate. We want our users to understand exactly what Flos.ma is — and what it isn’t.

We are not a bank, mortgage broker, or lending institution.

Flos.ma currently operates exclusively as an independent financial information and comparison platform. This means:

• We do not arrange or intermediate mortgages: We do not submit mortgage applications, connect individual applicants with banks as part of an application process, negotiate financing conditions, or act on behalf of customers or financial institutions in arranging loans.
• We do not provide personalized financial or investment advice: Our information and comparisons are designed for general informational and educational purposes. They are not individualized recommendations based on a user's financial circumstances.
• We do not issue loans or make credit decisions: Flos.ma does not provide financing, approve mortgage applications, or determine the interest rates and conditions offered by banks.

Users who wish to apply for financing must contact the relevant financial institution directly.

We believe financial comparisons should be clear, objective, and transparent.

Our ambition is to help consumers understand the differences between financial products without unnecessary complexity.

We aim to present information fairly and distinguish between verified information, indicative rates, and estimates.

We do not guarantee that every available mortgage product is included or that a particular bank will offer the rates displayed.

Our role is to provide information — the financial decision always belongs to you.

We're starting with mortgage comparisons, but our ambition goes further.

We envision a Morocco where people can easily access and understand financial information, compare products, and make decisions with greater confidence.

Over time, we aim to expand our educational resources and comparison tools to cover more areas of personal finance.

We want Flos.ma to become a trusted destination for financial information in Morocco.

A place where transparency comes first, financial knowledge is accessible, and consumers feel empowered to make their own decisions.

Flos.ma is designed with the Moroccan market in mind.

We recognize that Morocco has its own financial institutions, regulations, products, and consumer needs.

Our platform focuses on making information relevant to Moroccan consumers easier to find and understand.

Because better financial decisions shouldn't depend on how much you already know about banking.

They should start with having access to the right information.