Financing real Estate in Marrakech

Your Expert in Financing Solutions and mortgage

SWIMMOBILIER, your real estate agency of confidence in Marrakech, assist you in obtaining your real estate financing optimal.

Our service financial report and accompanying bank ensures you the best terms of credit, a financial package that is suitable and tax optimization to achieve your real estate project in Morocco.

What is a Financial Report for real Estate Financing ?

A financial report for real estate finance is a comprehensive study that analyzes your borrowing capacity, compare bank products, calculates the total cost of your credit and develops the financing structure the most advantageous for your real estate purchase in Marrakech.

This document serves as the basis for negotiating with the banks and secure your investment.

Our Financing Services, real Estate

1. Study of Borrowing Capacity and Feasibility

Financial analysis custom :

• Calculation of the debt capacity : A Maximum of 40% of net income monthly (standard bank moroccan)
• Income taken into account : Wages, rental income (70% of the amount), pensions, income professionals
• Deductible expenses : Outstanding loans, alimony, recurring expenses
• Left to live minimum : 3 000 to 5 000 MAD, according to the family composition
• Rate effort optimal : 30% to 35% for all-day comfort financial

Calculation of the amount empruntable :

Monthly capacity = (net Income × 40%) - Loads the existing
Amount empruntable = monthly Capacity × Coefficient according to the length

Concrete examples :

• Income 15 000 MAD/month, no charges → Capacity : 6 000 MAD/month → Borrowing possible : 550 000 MAD over 20 years
• Revenue 25 000 MAD/month, no charges → Capacity : 10 000 MAD/month → Borrowing possible : 950 000 MAD over 20 years
• Income 40 000 MAD/month, no charges → Capacity : 16 000 MAD/month → Borrowing possible : 1 550 000 MAD over 20 years

Simulation according to the duration :

• 15 years : Monthly payment higher, total cost less than
• 20 years : Balance monthly payment/cost (duration is the most chosen)
• 25 years : Monthly payment reduced, higher total cost
• 30 years : Legal Maximum, for large amounts

Rate : 2 500 MAD (included in complete package)

2. Report A Comparative Multi-Banks

Detailed comparative analysis :

We negotiate with the major moroccan banks :

• Attijariwafa Bank : Leader of the market, rates are competitive
• Popular Bank : Advantageous Conditions according to profile
• BMCE Bank of Africa : Tender for MRE and expatriates
• CIH Bank : Real estate specialist
• Crédit du Maroc : Custom Solutions
• Société Générale Maroc : Support premium
• HOM (Crédit du Maroc) : Special programs for first-time buyers
• Bank of Africa : Fast-start financing

The elements compared :

Current market rates (2025) :

• Moroccan residents : 9.25 percent to 10.75%
• MRE (Moroccans Resident Abroad) : 8,75% to 10.25%
• Officials : 9% to 10.5%
• First-time buyers (social programs) : 8.5% to 9.5%
• Logements sociaux (<250 000 MAD) : Preferential rates of 6% to 8%

Potential savings : A difference of 0.5% over 20 years represents about 35 000 MAD savings for a loan of 800 000 MAD

Rate : 3 800 MAD (comparative of 5 to 8 banks)

3. Calculation of the Total Cost of the Credit

Financial analysis comprehensive :

Composition of the total cost :

1. Borrowed Capital : Base amount
2. Total interest : 40% to 120% of the share capital according to the length
3. Loan protection insurance : 8% to 15% of total capital
4. Application fee : 5 000 to 25 000 MAD
5. Mortgage costs : 1% to 1.5% of the amount
6. Costs of conservation land : 1% to 1.5%
7. Notary fees : 1% of the loan amount
8. Fees real estate expert : 2 000 to 5 000 MAD

Numerical example – Loan 1 000 000 MAD over 20 years at 10% :

Borrowed Capital : 1 000 000 MAD
Total interest (20 years) : 1 152 000 MAD
Life insurance-disability : 95 000 MAD
Application fee (1,5%) : 15 000 MAD
Mortgage costs (1,2%) : 12 000 MAD
Land Conservation (1%) : 10 000 MAD
Notary fee : 10 000 MAD
Real estate Expert : 3 000 MAD
─────────────────────────────────────────
TOTAL COST OF CREDIT : 1 297 000 MAD
TOTAL AMOUNT TO BE REIMBURSED : 2 297 000 MAD

Monthly installment : 9 650 MAD
Annual percentage rate (APR) : 11,8%

Impact of the length on the cost :

Rate : 2 200 MAD (detailed simulations)

4. Optimization of the Personal Contribution

Strategies for incorporation of contribution :

Minimum intake required :

• Moroccan residents : 20% of the purchase price
• MRE and expatriates : 30% to 35% of the price
• Foreign investors : 40% to 50% depending on nationality
• Social programs : 10% to 15% possible

Sources of funding for the contribution :

1. Personal savings : Accounts, investments, cash
2. Gift family : Up to 100 000 MAD without taxation
3. Sale of an existing property : Reinvestment
4. Unlocking savings : RCAR, CIMR, pension funds
5. Personal loan complementary : 50 000 to 200 000 MAD
6. Family loan : Notarial act recommended
7. Pledge of assets : Securities, life insurance

Calculation of the optimal intake :

Minimum = purchase Price × 20%
Recommended intake = purchase Price × 25% to 30%

Benefits of a higher intake :
- Reduction in the interest rate : 0.25% and 0.5% in
- Monthly payment lower
- Best trading banking
- Savings over the long term

Concrete example : Buy 1 500 000 MAD

• Intake of 20% (300 000 MAD) → Ready 1 200 000 MAD 10.25% → Monthly 11 580 MAD
• Contribution 30% (450 000 MAD) → Ready 1 050 000 MAD to 9.75% → Monthly 9 950 MAD
• Monthly savings : 1 630 MAD, or 391 200 MAD over 20 years

Rate : 1 800 MAD (optimization strategy)

5. Constitution of Finance

Documents required – Employees :

• Id (CIN or passport + copy
• Last 3 payslips
• Certificate of employment of less than 3 months
• Bank statements for the last 6 months
• Tax notice or certificate of salary IR
• Proof of charges (credits, rent)
• Promise of sale or compromise
• Documents of the property (land title, and plans)

Required Documents – Professions/Traders :

• All documents employees +
• Patente ou registre de commerce
• Balance sheets for the last 3 years certified
• Bundle complete tax
• Bank statements professional 12 months
• Certificate of accounting of income

Required Documents – MRE :

• All the basic documents +
• Contract work abroad translated
• Last 6 payslips
• Bank certificate of the country of residence
• Proof of transfer of funds
• Certificate of residence

Verification and validation :

• Consistency checking of documents
• Calculation of actual capacity of borrowing
• Detection of anomalies or inconsistencies
• Optimization of the presentation folder
• Preparing pitch negotiation

Period of constitution : 3 to 7 days
Rate : 2 500 MAD (constitution full + check)

6. Negotiating Bank Accompanied

Our personalised support :

Preparation Phase :

• Preset 3-5 banks adapted to your profile
• Preparation of a professional portfolio optimized
• Trading strategy custom
• Simulation of the arguments of trading

Points of negotiation :

1. Interest rate : Trading of 0.25% and -1%
2. Application fee : Reduction of 50% possible
3. Loan protection insurance : Choice possible delegation
4. Guarantees : Mortgage vs bond (reduced cost)
5. Modulation :- Free adjustments to the way
6. Penalties and early repayment : Exemption from, or reduction
7. Grace : For VEFA or work
8. Related banking Services : Free account, card, bank transfer

Accompanying physical :

• Attendance at appointments banking
• Presentation and defense of the folder
• Negotiation of terms and conditions
• Counter-argument professional
• Competition facilities

Average savings obtained : 25 000 to 80 000 MAD on the total duration of the loan

Rate : 4 500 MAD + performance bonus (10% of negotiated savings)

7. Financial Arrangements Specific

Solutions tailored profile :

A. Funding MRE (Moroccans Resident Abroad)

• Preferential rates : 0.5% at -1% vs residents
• Contribution : 30% minimum
• Transfer of funds required via bank
• Possibility deferred repayment during construction
• Repatriation insurance fund
• Amount : 200 000 to 5 000 000 MAD
• Duration : Up to 25 years

B. Funding Primary-Accessing

• Government programs (Fogarim, Fogaloge)
• Reduced rates of interest : 8.5% to 9.5%
• Warranty Status of up to 90% of the credit
• Intake reduces possible : 10% to 15%
• Ceiling : 800 000 MAD
• Simplified accompanying

C. Credit-Relay (Sales + Purchase)

• Financing of the purchase prior to the sale of the old property
• Duration : 12 to 24 months
• Refund to the actual sale
• Rate : +2% to +3%
• Amount : 60% to 70% of the value property
• Fees : 2% to 3% of the amount

D. Financing VEFA (Vente en l'état Futur d'achèvement)

• Release progressive, according to progress work
• Deferred repayment during construction
• Insurance manufacturer specific
• Warranty ten-year mandatory
• Duration of construction : 18 months to 36 months

E. Rental Investment

• Taking into account rental income in the future (70%)
• Tax exemption on interest loan
• Mounting SCI possible for optimization
• Contribution : 25% to 30%
• Evidence of cost-effectiveness rental required

F. Purchase co-Ownership or Co-Acquisition

• Many borrowers in solidarity
• Multiplication of the capacity of borrowing
• Distribution custom units
• Co-ownership agreement recommended
• Stronger legal Protection

Tariff-specific assembly : 3 500 6 500 MAD depending on complexity

8. Tax optimization of Funding

Tax benefits and savings :

Deductibility of loan interest

• For rental investment : 100% of deductible interest
• Reduction in IR significant
• Tax savings : 10% to 38%, depending on slice

Numerical example :

Interest paid year 1 : 95 000 MAD
Slice IR 38% → Economy : 36 100 MAD
Net cost of interest : 58 900 MAD

Tax credit for the acquisition principal residence

• Deduction of the interest in limit 10 per cent of total income
• Annual limit : 10 000 MAD
• On declaration IR annual
• Economy over the first 5 years

VAT reclaimable (professional investors)

• Local business
• VAT on construction : 20% recoverable
• Economics significant new projects

Strategy mounting SCI (Société Civile Immobilière)

• Optimization succession and transmission
• Ease of management for heritage multi
• Possibility deduction expenses depreciation and amortization
• Flexible tax according to chosen plan

Rate : 2 800 MAD study (full tax)

Formulas-of-Service real Estate Financing

Formula Feasibility Study

2 500 MAD

• Calculate borrowing capacity detailed
• Simulation monthly payments according to the length
• Feasibility analysis project
• Recommendations report (10 pages)
• 1 consultation explanatory (45 min)
• Lead time : 3 working days

Formula Comparative Banking

5 800 MAD

• All services Feasibility Study
• Comparative multi-banks (5 to 8 institutions)
• Calculating total cost of credit a detailed
• Constitution of the complete folder
• Comparative report (25 pages)
• 2 follow-up consultations
• Lead time : 7 working days

Formula Full Support

9 500 MAD

• All services Comparative Banking
• Strategy optimization intake
• Negotiating bank accompanied (3 appointments)
• Tax optimization
• Follow-up to release of funds
• Comprehensive report (40 pages)
• Consultations unlimited for 3 months
• Lead time : 2 to 8 weeks (depending on bank)

VIP formula – Guaranteed Financing

14 500 MAD (refunded if not getting)

• All services Full Support
• Warranty obtaining funding or reimbursement
• Mounting financial-able
• Negotiation with 8 to 10 banks
• Support up until signing definitive act
• Loaded to dedicated folder
• Availability 7j/7
• Maximum optimization of conditions
• Report premium (60 pages)

Formula-Specific Assembly

From 7 500 MAD

• For MRE, foreign investors, SCI
• Mounts with complex and atypical
• Finance > 3 000 000 MAD
• Multi-property and portfolio
• Custom quote

Financial indicators of the Market (2025)

Average Interest rates by Profile

Average duration by the Amount

Ratios Bank Applied

• Maximum debt rate : 40% (some banks will accept 45% for high-income)
• A maximum age for the end of the loan : 70 to 75 years, according to the bank
• Ratio input/minimum price : 20% (residents) / 30% (MRE)
• Ratio of expenses/income : A minimum of 20% left to live
• Maximum duration : 300 months (25 years), 360 months (30 years) for some institutions

Benefits of Our services

✓ Huge time saver We'll manage the whole process (2 to 6 weeks)
✓ Significant cost savings : Negotiation of 25 000 to 100 000 MAD on the duration
✓ Success rate 95% : 's proven Expertise and banking network solid
✓ Total transparency : All the detailed costs from the start
✓ Personalised support : In charge of dedicated folder
✓ Responsiveness : Replies within 24 hours, availability 6j/7
✓ Local Expertise : In-depth knowledge of banks of Marrakech
✓ Premium network : Direct relationships with decision-makers-bank

Average time of the Process

Frequently Asked Questions – Technical Answers

Can I borrow without contribution ?
No, Morocco, the intake legal minimum of 20% for the residents.
Only some of the social programs accept 10%.

What is the real cost of a real estate loan ?
The total cost typically represents 80% to 130% of the amount borrowed according to the duration (interest + insurance + shipping).

How to reduce my monthly payments ?
Extend the duration, increase the intake, negotiate the rate, or opt for a loan flexible.

The insurance borrower is it mandatory ?
Yes, life insurance-disability insurance is mandatory in Morocco and represents 8% to 15% of the total cost.

Can I repay early ?
Yes, sometimes with a penalty of 0% to 3% depending on the bank.
We negotiate their removal.

How long to get an agreement ?
Between 3 and 8 weeks depending on the bank and the complexity of the case.
Our support speeds up the process.

Safeguards and Security

• Absolute privacy : Your financial data is protected (encryption banking)
• Without the initial commitment : Feasibility study without obligation
• Free quote detailed : Total transparency of costs
• Satisfaction guarantee : VIP formula refunded if not obtain funding
• Formal partnerships : Agreements with all the major moroccan banks
• Professional liability insurance : Cover 3 000 000 MAD

Customer profiles

First-Time Buyers

You are buying your first residence and look for the best conditions.

Real Estate Investors

You build a property portfolio and optimize taxation.

MRE – Moroccans of the World

You live abroad and want to invest in Morocco, with the benefit of hindsight.

Expatriates and Foreign

You work or invest in Marrakech, and you need a specialized support.

Professionals

You have variable income and a specific folder to highlight it.

Area of Intervention

Marrakech and region : All districts (Gueliz, Hivernage, Palm grove, Medina, Targa, Route de Fès, Route de l'ourika, etc)

Bank partnerships : All bank branches in Marrakech and opportunity on national issues

Contact SWIMMOBILIER for your Funding

SWReal estate – Experts en Financement Immobilier à Marrakech

Simulation financing free online

Main Office Marrakech:
25 Rue Sourya Guéliz District, Marrakech

Opening Hours:
Monday – Friday: 9:00 AM – 6:00 PM
Saturday: 9:00 AM – 1:00 PM
Appointments outside of these hours: upon request

Contact:
Telephone: +212 661 42 06 85
WhatsApp Business: 212677128444
Email: contact@swimmobilier.com

Realize your real estate project in Marrakech with SWIMMOBILIER.

Get the best financing conditions and an accompanying expert from A to Z.

Contact us today for your personalized study free.

Real estate finance Marrakech, credit Morocco property, real estate loan Marrakech, borrowing capacity Morocco, rate credit immobilier Marrakech, real estate broker Marrakech, accompanying funding Morocco, simulation mortgage Marrakech, MRE funding Morocco