🏠 Best Mortgage Rates
in Morocco 2025
Compare mortgage offers from 12 Moroccan banks. Find the lowest rate for your home loan — updated weekly.
12Banks compared
4.5%Lowest rate available
25 yearsMax duration
FreeNo fees to compare
| Bank | Min Rate | Typical Range | Max Duration | ||
|---|---|---|---|---|---|
BMCI BMCI BNP Paribas Group | 4.40% | 4.40% – 4.60% | 25 years | 🌐 Online Apply | |
CDM Crédit du Maroc Crédit Agricole Group | 4.20% | 4.20% – 5.30% | 25 years | ||
BOA Bank of Africa Private · BMCE Group | 4.35% | 4.35% – 5.70% | 20 years | Private · BMCE Group | |
BP Banque Populaire Public bank · Since 1961 | 4.30% | 4.30% – 5.90% | 25 years | 🏆 Most Popular | |
ATW Attijariwafa Bank Public bank · Since 1904 | 4.20% | 4.20% – 5.50% | 25 years | ⭐ Best Rate | |
CIH CIH Bank Private · Mortgage specialist | 4.25% | 4.25% – 5.80% | 25 years | Private · Mortgage specialist |
What you need to know 📋
Fixed vs Variable Rate
Fixed rates stay the same for the entire loan duration. Variable rates can change based on Bank Al-Maghrib’s reference rate. Most Moroccans choose fixed for stability.
Down Payment
Most banks require 10–20% down payment. First-time buyers may qualify for special programs with as little as 10% down. Some banks offer 100% financing for certain properties.
Required Documents
CIN, last 3 payslips, bank statements (6 months), employment contract, property compromis de vente, and income tax certificate.
Frequently Asked Questions
What is the maximum mortgage amount in Morocco?
Most banks offer up to 3,000,000 MAD depending on your income. The general rule is your monthly payment should not exceed 40% of your net monthly salary.
Can foreigners get a mortgage in Morocco?
Yes, foreigners with a residence permit (carte de séjour) can apply for a mortgage in Morocco. Some banks also offer loans to Moroccan expats (MRE) living abroad.
How long does mortgage approval take in Morocco?
Typically 2–4 weeks from submitting your complete file. CIH Bank is known for faster processing, often within 10 days for complete applications.
What is the TEG and why does it matter?
The TEG (Taux Effectif Global) is the true total cost of your loan including all fees and insurance. Always compare TEG not just the nominal interest rate — it gives you the real picture.