Best 15-year mortgage rate in Morocco
15-year mortgage rates in Morocco: bank comparison, best negotiated rate and tips to get the best conditions.
4.40%
at CIH Bank
4.95%
5.30%
Rate comparison over 15 years by bank
| 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.
Who is the 15-year loan for?
The 15-year loan is the most balanced duration, suited to the majority of borrowers. It allows reasonable payments while controlling total cost.
Advantages
- +Most balanced duration
- +Accessible payments
- +Controlled total cost
- +Suited to most profiles
Points to consider
- -Slightly higher rates than 7-10 years
- -Medium-term commitment
Frequently asked questions
What is the best 15-year rate in Morocco?
The best negotiated 15-year rate is around 4.40% at CIH Bank. The market average is around 4.95%.
Is 15 years the ideal duration for a mortgage?
The 15-year duration is often considered the best compromise in Morocco. It offers accessible payments while limiting total interest cost compared to 20 or 25-year durations.
How to get the best 15-year rate?
To get the best rate, present a down payment of at least 20%, stable income, few outstanding loans and make banks compete. A broker's assistance can also help.
Find the best rate for your project
Simulate your mortgage or submit a request to receive a personalized study of your project.