Morocco's direct housing assistance initiative, known as Daam Sakane, has fundamentally transformed homeownership across the country. Designed for first-time homebuyers, this government program offers direct financial grants of up to 100,000 MAD.
Whether you reside in Morocco or are part of the Moroccan Diaspora (MRE), this guide breaks down everything you need to know to successfully secure your subsidy in 2026.
Daam Sakane Financial Aid Tiers in 2026
The grant amount depends directly on the property's total purchase price:
- 100,000 MAD: For homes priced at or below 300,000 MAD (inclusive of tax).
- 70,000 MAD: For homes priced between 300,001 MAD and 700,000 MAD (inclusive of tax).
The subsidy is transferred directly to the notary handling the transaction, significantly reducing the upfront cash needed at closing.
Eligibility Criteria
To qualify for the Daam Sakane grant, applicants must satisfy the following conditions:
- Hold Moroccan citizenship (residing locally or abroad).
- Not currently own a residential property in Morocco.
- Have never received state housing assistance in the past.
- Commit to using the home as a primary residence for at least 5 years.
Property Requirements
The property you intend to buy must meet three mandatory standard criteria:
- Must have an individual land title (Titre Foncier) registered at the ANCFCC.
- Must possess an occupancy permit (Permis d'habiter) issued on or after January 1, 2023.
- Must consist of at least two main rooms.
For a detailed breakdown of purchasing steps, consult our complete guide to buying your first property in Morocco.
How to Apply via the Daam Sakan Platform
The application is entirely digital:
- Register on the official Ministry portal or mobile app using your National ID (CNIE).
- Submit your initial eligibility request.
- Once pre-approved (typically within 7 days), your notary has 30 days to upload the preliminary sales agreement (compromis de vente).
- Upon final clearance, funds are disbursed directly into the notary's escrow account.
If you require mortgage financing to cover the remaining balance, review our analysis on home loans and Mourabaha financing options in Morocco.
Find Qualified Properties on Sakanly
Finding a eligible apartment under the 700,000 MAD threshold with a recent occupancy permit can be time-consuming. Sakanly simplifies your property search with verified listings.
