Real Estate

Buying property in Morocco from abroad: financing and pitfalls

27 September 2026·2 min read

Buying property in Morocco from abroad: loans up to 80% over 25 years at 4.5‑6%. Repatriation requires an MRE convertible account or local loan, with declaration to the Exchange Office within 30 days. Risks: direct payment without notary escrow, fake titles, risky moulkia.

Buying a property in Morocco from abroad: financing and pitfalls

Moroccan banks (Attijariwafa Bank, BMCE, CIH, Banque Populaire, Crédit du Maroc) offer loans covering up to 80% of the property's value over a maximum term of 25 years, with rates ranging from 4.5% to 6% in 2026 depending on the borrower's profile and deposit.

To preserve the right to repatriate the proceeds of a future resale in foreign currency, the funds must pass through a convertible MRE account or a Moroccan bank loan. The notary is obliged to declare the foreign investment to the Office des Changes using the dedicated form within 30 days of the deed.

Paying a deposit to a private individual without having verified the land title at the ANCFCC and signed a preliminary agreement at the notary's exposes you to the most common property scam targeting MREs: the fake title.

Preliminary agreements that provide for a direct deposit to the seller, without a notarial escrow, constitute an illegal practice that exposes the buyer to the risk of total loss in the event of a dispute.

Acquiring a property under moulkia, an old adoulaire deed, carries risks of overlapping claims, hidden heirs and disputes, and strongly complicates any subsequent resale.

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