Before starting your property search in Morocco, determining your **borrowing capacity** is the most critical financial step. Moroccan banks enforce clear guidelines regarding income ratios to evaluate home loan applications.
1. The Maximum Debt-to-Income Ratio (40% to 50%)
Bank Al-Maghrib mandates maximum debt ratio caps to prevent over-indebtedness:
- Monthly net salary below 10,000 MAD: The maximum debt service ratio is capped at 40%.
- Monthly net salary above 10,000 MAD: Lenders may extend the debt ratio up to 45% or 50%.
- Civil servants & corporate executives: Preferential eligibility criteria frequently apply.
2. Income Requirements by Loan Amount (20-Year Tenure)
Below is an estimated income reference table based on a 20-year term at an average 4.50% interest rate:
| Loan Amount | Est. Monthly Payment | Min. Net Salary Required |
|---|---|---|
| 300,000 MAD | ~ 1,900 MAD / mo | 4,750 MAD |
| 500,000 MAD | ~ 3,160 MAD / mo | 7,900 MAD |
| 800,000 MAD | ~ 5,060 MAD / mo | 11,250 MAD |
| 1,000,000 MAD | ~ 6,330 MAD / mo | 12,660 MAD |
If you prefer Islamic financial options, check our guide on conventional vs Mourabaha mortgages in Morocco.
3. The Down Payment Requirement
While some public sector loans cover 100% of property costs, most lenders require a **10% to 20% personal down payment** to cover registration taxes and closing costs.
Calculate exact closing fees using our notary and registration costs guide for Morocco.
4. Lowering Loan Amounts with Daam Sakane
First-time home buyers acquiring property priced under 700,000 MAD can reduce their mortgage requirements using state grants. Read details in our Daam Sakane 2026 guide.
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