How do I calculate a mortgage payment in Morocco?
Enter the home price, your down payment, the term and the rate: OUFRID's calculator works out the monthly payment, the total cost, the debt ratio and how much you can borrow, deducting the direct housing aid if you qualify.
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Step by step
- Open the Morocco mortgage calculator and enter the home price and your down payment.
- Tick the direct housing aid if you think you qualify: 100,000 or 70,000 DH depending on the price.
- Enter the term, the rate offered by the bank, the insurance and the arrangement fee.
- Read the monthly payment, the total cost, the debt ratio and the year-by-year schedule.
Good to know
What debt ratio do banks accept?
The most quoted benchmark is 40 percent of the household net income, all repayments included, but each bank runs its own assessment.
Who can get the direct housing aid?
Moroccans, living in Morocco or abroad, who do not own a home in Morocco and are buying a main residence of up to 700,000 DH incl. VAT. The official office confirms eligibility.
Murabaha or conventional loan?
With a margin rate equal to the interest rate, the cost is the same: compare the total cost of each offer.
See also
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