Daam Sakane for Moroccans abroad: get up to 100,000 MAD housing aid from overseas

Yes, Moroccans residing abroad are fully eligible for Daam Sakane for the purchase of a first home in Morocco, subject to meeting income, property price and 5-year primary residence conditions.

Daam Sakane aid can reach MAD 100,000 for affordable housing (up to MAD 300,000) and MAD 70,000 for mid-range housing (up to MAD 700,000). The exact amount depends on the property price and applicant income.

For affordable housing (up to MAD 300,000), net monthly income must not exceed MAD 5,000. For mid-range housing (up to MAD 700,000), the ceiling is MAD 20,000/month. For MRE, foreign income is converted at the official rate.

Yes, Daam Sakane aid can be combined with a Moroccan bank mortgage. It is deducted from the amount to be financed, reducing the loan amount and monthly instalments. Moroccan banks offer dedicated MRE products combined with Daam Sakane.

The beneficiary commits to occupying the purchased property as their primary residence for at least 5 years. If not respected (resale, letting), the aid must be repaid pro rata. This rule is monitored by DGI services.

Registration is done online on the dedicated Ministry of Housing portal (mhpv.gov.ma). MRE must create a personal account, upload supporting documents (income, national ID, passport, sale agreement) and track their file online.

There are two brackets: affordable housing up to MAD 300,000 (aid of MAD 100,000) and mid-range housing between MAD 300,001 and MAD 700,000 (aid of MAD 70,000). Properties above MAD 700,000 are not eligible.