Best 25-year mortgage rate in Morocco
The best 25-year mortgage rates in Morocco. The maximum duration to optimize your borrowing capacity.
4.80%
at CIH Bank
5.45%
5.90%
Rate comparison over 25 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 25-year loan for?
The 25-year loan maximizes borrowing capacity with the lowest monthly payments. Ideal for young professionals or tight budgets.
Advantages
- +Lowest monthly payments
- +Maximized borrowing capacity
- +Suited to young professionals
- +Compatible with modest income
Points to consider
- -Highest total interest cost
- -Highest rates
- -Very long-term commitment
- -Not all banks offer 25 years
Frequently asked questions
What is the best 25-year rate in Morocco?
The best negotiated 25-year rate is around 4.80% at CIH Bank. Note that Saham Bank does not offer loans beyond 20 years.
Do all banks offer 25-year loans?
No. Saham Bank limits its loans to 20 years. The other major banks (CIH, Attijariwafa, Banque Populaire, BMCE) offer durations up to 25 years.
Does a 25-year loan cost much more?
Yes, total interest cost is significantly higher. For a 500,000 MAD loan, the difference in total cost between 20 and 25 years can exceed 100,000 MAD. It's important to weigh the pros and cons carefully.
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