Mortgage Rates in Morocco
March 2026 — BAM key rate: 2.5 %
Find the best mortgage rates in Morocco, compared by bank and duration. Displayed rates are indicative and updated monthly.
Rates by bank
Attijariwafa Bank
Max duration : 25 years
Range : 4.15 % - 5.80 %
Banque Populaire
Max duration : 25 years
Range : 4.25 % - 5.90 %
BMCE Bank of Africa
Max duration : 25 years
Range : 4.30 % - 6.00 %
CIH Bank
Max duration : 25 years
Range : 4.05 % - 5.70 %
Saham Bank
Max duration : 20 years
Range : 4.40 % - 6.10 %
Rate comparison by bank and duration
| Bank | 7 years | 10 years | 15 years | 20 years | 25 years |
|---|---|---|---|---|---|
4.05%avg. 4.40% | 4.20%avg. 4.55% | 4.40%avg. 4.75% | 4.60%avg. 5.00% | 4.80%avg. 5.25% | |
4.15%avg. 4.50% | 4.30%avg. 4.65% | 4.50%avg. 4.85% | 4.70%avg. 5.10% | 4.90%avg. 5.35% | |
4.25%avg. 4.60% | 4.40%avg. 4.75% | 4.60%avg. 4.95% | 4.80%avg. 5.20% | 5.00%avg. 5.45% | |
4.30%avg. 4.70% | 4.45%avg. 4.80% | 4.70%avg. 5.05% | 4.90%avg. 5.30% | 5.10%avg. 5.55% | |
4.40%avg. 4.80% | 4.55%avg. 4.90% | 4.80%avg. 5.15% | 5.00%avg. 5.40% | 5.20%avg. 5.65% |
Indicative rates in % — best negotiated rate / average rate. Updated: March 2026.
How to choose your bank?
The rate is not the only criterion. Also evaluate processing fees, borrower insurance, early repayment flexibility and customer service quality.
Negotiate your rate
Present a solid file with a substantial down payment, stable income and few outstanding loans. Make banks compete with each other.
Special MRE offers
Several banks offer dedicated packages for Moroccans living abroad with tailored conditions and support.
Frequently asked questions
What is the best mortgage rate in Morocco in 2026?
The best negotiated mortgage rate in Morocco in March 2026 is around 4.05% over 7 years at CIH Bank. Over 20 years (the most popular duration), the best rate is around 4.60%. These rates depend on your borrower profile, down payment and negotiation skills.
What is the Bank Al-Maghrib key rate?
The Bank Al-Maghrib (BAM) key rate is currently 2.50%. This benchmark rate directly influences mortgage rates offered by Moroccan commercial banks.
Which bank offers the best mortgage rate in Morocco?
CIH Bank generally offers the lowest rates on the market, thanks to its historic expertise in real estate. Attijariwafa Bank follows closely with very competitive offers. However, the best rate depends on your profile and negotiation skills.
How to get the best mortgage rate in Morocco?
To get the best rate: present a down payment of at least 20%, demonstrate stable income, have few or no outstanding loans, and above all make banks compete. A debt-to-income ratio below 33% and a permanent contract will strengthen your application.
What is the difference between fixed and variable rates in Morocco?
In Morocco, the vast majority of mortgages are fixed-rate, providing security over the entire loan duration. Variable rates, indexed to the BAM key rate, are less common and carry the risk of rising monthly payments.
Will mortgage rates decrease in Morocco?
The current trend is slightly downward, driven by the stability of the key rate and competition between banks. However, rate trends depend on many factors: BAM monetary policy, inflation, international economic context.
What loan duration should I choose for my mortgage?
The ideal duration depends on your situation. Over 15 years, you pay less interest but higher monthly payments. Over 20-25 years, payments are lower but total cost increases. The 20-year duration is the most popular in Morocco, offering a good compromise.
Do banks offer special deals for MRE?
Yes, most Moroccan banks have dedicated offers for Moroccans Living Abroad. Attijariwafa Bank and Banque Populaire (Bladi offer) are particularly active in this segment.
Find the best rate for your project
Simulate your mortgage or submit a request to receive a personalized study of your project.