Quel apport prévoir pour acheter au Maroc ?

Une hypothèse de 20 % facilite la comparaison, mais le niveau réel dépend du profil, du bien et de la banque.

Un étranger peut-il obtenir un crédit immobilier au Maroc ?

Oui, après étude bancaire des revenus étrangers, de l’apport, des transferts, de l’assurance et des garanties.

Pourquoi intégrer l’assurance emprunteur ?

Elle fait partie de l’échéance supportée et varie selon l’âge, la durée, le capital et le dossier.

Les frais d’acquisition simulés sont-ils définitifs ?

Non. Il s’agit d’une provision indicative qui ne remplace pas les décomptes du notaire et de la banque.

Conseiller accompagnant un couple dans la préparation de son financement immobilier au Maroc

Royaume.immo · financement immobilier

Simulez votre crédit immobilier au Maroc avec Royaume.immo

Royaume.immo presents real estate listings in Morocco and helps you buy, rent, sell or value a property. Le simulateur de Royaume.immo aide à confronter le financement aux typologies et aux niveaux de projet réellement recherchés sur ce marché.

Reference housing rate: 4.68 %Données de référence : T2 2025Indicative calculations, without obligation

Royaume.immo · financement immobilier

Financer un projet cohérent avec le marché suivi par Royaume.immo

Le prix, l’état du bien, son usage et son emplacement influencent le budget global à préparer avant toute décision bancaire.

Lecture locale

Royaume.immo replace chaque demande dans le marché immobilier de Maroc.

Projet qualifié

Le besoin, le budget et le calendrier sont vérifiés avant toute mise en relation.

Suivi professionnel

Les décisions et les échanges restent suivis par l’équipe responsable du domaine.

Service de Royaume.immo, membre du réseau immobilier Royaume.immo.

Your real estate financing toolbox

Compare your scenarios without creating an account. The data remains in your browser.

Calculate your monthly credit payment

Adjust the price, intake, rate and duration. Insurance is displayed separately.

Borrower profile

Price of the property (MAD)

Personal contribution (%)

Indicative annual rate (%)

Duration

Indicative annual insurance (%)

Monthly net household income (MAD)

Estimate your borrowing capacity

The calculation deducts your existing charges and credits from the configured debt limit.

Monthly net income (MAD)

Other retained income (MAD)

Monthly fixed charges (MAD)

Current credits (MAD/month)

Indicative rate (%)

Duration

Available intake (%)

View the amortization table

Annual schedule calculated from the monthly payment scenario. Edit it in the first tab to update this table.

Initial capital—

Interest over time—

Indicative insurance—

Year	Starting capital	Capital repaid	Interests	Insurance	Remaining capital

Indicative annual roundings. The bank's contractual table may differ depending on the release date, insurance and loan terms.

Provision for acquisition costs

A simple overall envelope to avoid limiting your budget to the displayed price of the property alone.

Purchase price (MAD)

Indicative provision (%)Configurable by the administration.

Contribution to the price of the property (%)

Prepare the documents for your file

Select your situation to get a preparation checklist. The bank may request additional documents.

Your situation

Tip: prepare legible copies, recent statements and any translations or legalizations that may be required.

Banking connection

Create my financing file

Your request becomes a lead followed by Royaume.immo. No data is sent to a bank before human verification, choice of partner and confirmed consent.

Support response, not a credit offer

First name

Name

Phone / WhatsApp

Profile

Country of residence

Project price (MAD)

Available intake (MAD)

Desired financing (MAD)

Monthly net income (MAD)

Monthly charges and credits (MAD)

Desired duration

Preferred contact

No automatic marketing sending. You can request to stop the connection from Royaume.immo.

Understanding the conditions of a real estate loan in Morocco

Couple marocain préparant son dossier de crédit immobilier

Nationals and residents

The criteria studied by the bank

La banque étudie les revenus réguliers, l’ancienneté professionnelle, les crédits en cours, l’apport, l’âge en fin de prêt et la qualité du bien donné en garantie. Un taux d’endettement proche de 40 % constitue un repère fréquent, sans constituer un droit au crédit.

Regularity of income and professional stability.
Existing credits, banking behavior and available contribution.
Age at end of loan, insurance and guarantees offered.
Legal situation, value and quality of the financed asset.

Conseiller accompagnant des acquéreurs MRE et étrangers

MRE and foreigners

Finance a purchase from abroad

Pour un MRE ou un étranger non-résident, la banque demande généralement passeport ou CIN, justificatifs de revenus et d’impôts, relevés bancaires, attestation bancaire et justificatifs du bien. Le financement, la durée et les garanties sont souvent plus prudents et peuvent nécessiter un compte en dirhams convertibles ainsi que des virements traçables en devises.

MRE: funding up to 85 % depending on the product and study.
Non-resident foreigner: conservative assumption until 70 % depending on the bank.
Foreign income, taxation and bank statements must be documented.
The traceability of currency transfers is important.

Official statistical reference
Données de référence : T2 2025 · Bank Al-Maghrib

Consult the source ↗

Important information: all results are educational and not contractual. The effective rate, insurance, fees, quota, guarantees and final agreement are up to each lending institution. Demand a detailed written offer.

Frequently asked questions about real estate financing

What contribution should be expected in Morocco?

A hypothesis of 20% facilitates the comparison, but the contribution actually requested depends on the profile, residence, property and banking policy.

Can a foreigner borrow in Morocco?

Yes, after banking study. Foreign income, contribution, traceable transfers, insurance and guarantees are particularly examined.

Why include insurance in the calculation?

It increases the maturity actually supported. Its price depends in particular on age, duration, capital and insurance questionnaire.

Are the fees displayed final?

No. This is an adjustable provision. Only the statements from the notary, the bank and the participants give the amount applicable to the project.

Moving from simulation to a structured file

Create a tracked request in the CRM Royaume.immo before establishing a relationship with a partner bank.