Best 20-year mortgage rate in Morocco
Find the best 20-year mortgage rate in Morocco. Comparison of bank offers and tips to optimize your financing.
4.60%
at CIH Bank
5.20%
5.60%
Rate comparison over 20 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 20-year loan for?
The 20-year loan is the most popular duration in Morocco. It provides access to property with comfortable payments, particularly suited to first-time buyers.
Advantages
- +Most popular duration in Morocco
- +Comfortable payments
- +Good borrowing capacity
- +Ideal for first-time buyers
Points to consider
- -Higher total interest cost
- -Higher rates than 15 years
- -Long-term commitment
Frequently asked questions
What is the best 20-year rate in Morocco?
The best negotiated 20-year rate is around 4.60% at CIH Bank. Attijariwafa Bank also offers competitive rates at 4.70%.
Why is 20 years the most popular duration?
The 20-year duration represents the best balance between borrowing capacity and total cost. It allows most households to access property with payments that don't exceed 33% of their income.
What salary is needed to borrow over 20 years?
For a 500,000 MAD loan over 20 years, you need a net monthly income of approximately 12,000 MAD (respecting a 33% debt-to-income ratio). Use our borrowing capacity simulator for an accurate calculation.
Find the best rate for your project
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