Buying a home in Morocco: the guide
The steps, the costs to plan for and the government grant, explained simply.
The six steps of a purchase
From the first visit to the property being registered in your name.
- 01
Set your budget
Add up your deposit and the monthly payment you can afford, keeping money aside for purchase costs.
- 02
Get a mortgage agreement
Compare several banks. An agreement in principle lets you reserve with peace of mind.
- 03
Check the property
Ask for the land title, the building permit and, for a finished home, the occupancy permit.
- 04
Sign the preliminary contract
The preliminary or reservation contract sets the price, deadlines and deposit. For off-plan purchases, a sale contract for a property under construction governs the payments.
- 05
Sign the final deed
The deed is signed at the notary's office; the notary receives the funds and pays the duties and taxes.
- 06
Register the property
The notary registers the sale with the Land Registry (Conservation foncière). You are then the registered owner.
Costs to plan for
On top of the price, allow for purchase costs. Your notary will give you the exact amount.
Registration duty
The usual rate for buying a home, calculated on the price.
Land Registry fee
To register the property in your name, plus fixed fees.
Notary's fees
Ask for a written quote before signing.
The direct housing grant
Launched in January 2024 for the period 2024 to 2028, this government programme helps households buy their main home.
The announced grant is MAD 100,000 for a home up to MAD 300,000 including VAT, and MAD 70,000 for a home between MAD 300,000 and 700,000 including VAT.
It is open to Moroccans living in Morocco and abroad, subject to conditions: not owning a home in Morocco, not having already received housing support, and living in the property as a main residence.
Documents to ask for
- Land title or ownership certificate
- Building permit
- Occupancy permit (finished home)
- Floor plan and specification
- Delivery schedule and guarantees
- Notary's fee quote
This guide gives general guidance and does not replace legal advice. Rates and grant conditions may change: check them with your notary and official sources before you commit.