Financing
Monthly payment, total cost, amortisation table and debt ratio of a dirham mortgage, with the maximum loan-to-value for your status and the developer's payment schedule.
How this instalment is worked out
The instalment of a constant-payment loan, from the amount borrowed, the annual rate and the term. Insurance is computed separately, at the annual rate applied to the initial capital and spread over twelve months, as Moroccan banks do. The total instalment adds the two together.
The amortisation table is annual: interest share, capital share and outstanding balance, year by year. The debt ratio measures the total instalment against the net monthly income you enter. The loan-to-value — the ratio of loan to price — is compared with the usual ceiling: 70% for a non-resident, 80% for a Moroccan living abroad. Above it, the screen says so.
The default rate, 5%, sits inside the 4.5–5.8% range observed in 2026; it varies from one file to the next and is negotiable. The calculation ignores arrangement fees, the mortgage charge, the guarantee and any grace period, which weigh most at the start. A Moroccan bank lends in dirhams: if your income is in euros, the currency risk stays with you.