Simulate your mortgage in seconds: monthly payment, borrowing capacity and total cost. A free tool to prepare your purchase in Marrakech.
Indicative simulation — not a loan offer nor financial advice. Actual terms (rate, term, insurance, down payment) depend on your bank and your profile.
Financing the purchase of an apartment, a villa or a riad in Marrakech usually goes through a bank mortgage. Four parameters determine your monthly payment: the amount borrowed (property price minus your down payment), the term, the rate (fixed or variable, negotiable depending on your profile) and the mandatory death-disability insurance.
On the budget side, banks think in terms of debt-to-income ratio: your monthly payment should generally not exceed ~40% of your net income, after current liabilities and loans. Also plan for the additional costs (notary, registration duties, land registry, processing fees), which add to the price.
The smart move: first estimate the property's real value to negotiate accurately and calibrate your loan, then compare offers from several banks. The simulator's figures are indicative — your bank remains the reference for the final terms.
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Moroccan banks generally require a down payment of 10 to 20% of the property price, plus additional costs (notary, registration duties, processing fees). Some profiles can obtain higher loan-to-value financing. Use the simulator to see the impact of your down payment on the monthly payment.
A mortgage term in Morocco generally goes up to 25 years (sometimes more depending on age and profile). The longer the term, the lower the monthly payment — but the higher the total interest cost.
Banks most often cap the monthly payment at around 40% of the household's net income, after current liabilities and loans. The borrowing-capacity simulator applies this (adjustable) ratio to estimate your purchase budget.
On top of the price, plan for notary fees and registration duties, land registry fees, bank processing fees and the (mandatory) death-disability insurance. These fees often represent several percent of the price.
Before building your file, estimate the property's value for free with Evaluation.ma: you get a price range based on the market's real comparables in Marrakech, useful to negotiate and calibrate your loan.