Morocco Housing Aid 2026: 100,000 MAD and Eligibility

Moroccan citizens who meet the rules may receive up to 100,000 MAD toward the purchase of an eligible home in Morocco.

The direct housing aid program, known as Daam Sakane, has two main aid brackets: 100,000 MAD for certain homes priced up to 300,000 MAD including tax, and 70,000 MAD for homes priced above 300,000 MAD and up to 700,000 MAD including tax.

Moroccans living abroad may also qualify. But the buyer and the property must both meet the rules. In 2026, an important update also changed how inherited shares and jointly owned property are treated.

Important: this guide is general information, not legal or notarial advice. Before paying a deposit or signing anything binding, verify your case through the official Daam Sakane platform and your notary.

How Much Housing Aid Can You Receive in Morocco?

The aid amount depends on the purchase price of the home, including tax. It does not depend on whether the buyer lives in Morocco or abroad.

Purchase price including tax	Possible aid amount	Practical meaning
Up to 300,000 MAD	100,000 MAD	This is the highest aid bracket.
Above 300,000 MAD and up to 700,000 MAD	70,000 MAD	This is the second aid bracket.
Above 700,000 MAD	No aid under this program	The property falls outside the price ceiling.

For example, a qualifying first-sale apartment priced at 295,000 MAD could fall into the 100,000 MAD bracket. A qualifying home priced at 450,000 MAD could fall into the 70,000 MAD bracket.

The 300,000 MAD threshold matters a lot. A small difference in the sale price can move the buyer from the 100,000 MAD bracket to the 70,000 MAD bracket.

Who Is Eligible for Morocco’s Housing Aid?

The program is for Moroccan citizens buying a qualifying home as a principal residence. A foreigner who does not hold Moroccan nationality should not assume they can benefit from this aid simply because they live in Morocco.

The buyer must generally meet these personal conditions:

be a Moroccan citizen;
not already own a residential property in Morocco, subject to the 2026 joint-ownership update explained below;
not have previously received certain state housing advantages;
buy a property that qualifies under the program;
commit to the principal-residence requirements.

The key point is simple: the aid is not automatic just because someone is Moroccan. The buyer’s situation and the property both need to pass the checks.

Can Moroccans Living Abroad Receive the Housing Aid?

Yes. Moroccans living abroad may benefit from Morocco’s housing aid if they meet the eligibility requirements.

This is important for MREs, Moroccans living in Europe, North America, the Gulf or elsewhere, and families planning to buy a first home in Morocco while still living abroad.

For a Moroccan living abroad, the practical challenge is not only eligibility. It is also preparation: choosing a qualifying property, working with a reliable notary, keeping documents in order, understanding financing, and avoiding promises from sellers before the property has been checked.

If you are buying from abroad, also read our guides to opening a bank account in Morocco and buying property in Morocco.

2026 Change: What If You Inherited Part of a Property?

One of the most important 2026 updates concerns people who own a share of a jointly owned property.

Imagine a family home inherited by four siblings. Each sibling legally owns 25% of the property. In practice, one person may have inherited a share of a house but may not own a home they can live in, sell alone or use as their own residence.

Previously, this kind of ownership situation could block access to the housing aid program because the person was technically an owner.

From 2026, owning a share in a jointly owned property no longer automatically excludes someone from the program, provided the other eligibility conditions are met. Morocco’s 2026 Finance Law added this opening for owners in undivided shares, and Moroccan government communication has confirmed that access was widened to this category.

In plain English, this matters if you inherited part of a family property with siblings or relatives. It does not mean every inherited-property case will be accepted automatically. It means this situation is no longer, by itself, an automatic barrier.

Which Properties Qualify for Morocco’s Housing Aid?

The buyer being eligible is not enough. The property must also meet the program conditions.

Main property requirements include:

a maximum purchase price of 700,000 MAD including tax;
a first sale;
an occupancy permit issued from January 1, 2023 onward;
at least two rooms;
use as a principal residence under the program rules.

Key Point

You can personally qualify for Morocco’s housing aid and still receive no aid if the property itself does not qualify.

This is the mistake buyers need to avoid. Do not only ask, “Am I eligible?” Ask, “Is this exact property eligible?”

Can You Buy a Resale Property With the Housing Aid?

In general, a resale property is a problem because the program requires a first sale.

A low purchase price alone does not make a property eligible. For example, a resale apartment priced at 280,000 MAD may look like it belongs in the 100,000 MAD bracket. But if the apartment has already been sold before, it may fail the first-sale requirement.

This is why the notary’s verification is essential. A seller or agent may focus on the price, but the program also looks at the legal and administrative status of the property.

Does the Property Have to Be Your Main Residence?

Yes. The housing aid is linked to the purchase of a principal residence, not a pure investment property.

The buyer commits to using the home as a principal residence for a five-year period from the final sale deed. A mortgage is also registered in favor of the state to secure repayment if the commitment is not respected.

For Moroccans living abroad, official communication around the program has recognized practical arrangements linked to living outside Morocco, including use of the property by close family in certain situations. Because these cases can be sensitive, confirm your exact situation with the platform and the notary before relying on it.

Can You Rent Out a Property Bought With Housing Aid?

You should be very careful with renting out a property bought with Morocco’s housing aid.

The program is built around the idea of a principal residence. Official rules also link the five-year commitment to the state’s right to recover the aid if the home is sold early or not used as required.

So do not buy with the aid assuming you can immediately turn the property into a rental investment. If your real goal is rental income, this program may not fit your project.

For investment decisions, read our guide on whether to buy or rent in Morocco.

How to Apply for Housing Aid in Morocco

Applications are made through the official Daam Sakane platform. The process is digital, but the notary becomes central once a property and preliminary sale agreement are involved.

Create an account and submit the initial application through the official platform.
Wait for the initial eligibility review.
Identify a property that appears to meet the program conditions.
Work with a notary for the preliminary sale agreement.
The notary uploads the required transaction documents through the platform, including the preliminary sale agreement and occupancy permit.
The property and transaction are checked.
The aid becomes part of the purchase process through the notary.
The final deed is completed if all conditions are met.

The aid is not simply free cash deposited into your personal bank account to spend however you want. It is connected to a specific property purchase and handled within the formal acquisition process.

Published procedures have used short deadlines at several stages, including notary uploads and finalization steps. Always check the current timing directly on the platform and with your notary before planning payments.

What Is the Notary’s Role?

The notary is not just someone who signs papers at the end.

For a Daam Sakane purchase, the notary helps connect the buyer, seller, property documents and platform process. The notary prepares or handles the preliminary sale agreement, uploads key documents, verifies the legal transaction, and completes the final deed if the file is approved.

This is why you should speak to the notary before committing too much money. A property may look attractive in an advertisement, but the notary is the person who can help verify whether the transaction can actually fit the program.

What Changed in Morocco’s Housing Aid Program in 2026?

The major 2026 update is the treatment of jointly owned property.

Morocco’s 2026 Finance Law added that owners in joint ownership can benefit from the aid. In practical terms, this is especially relevant to inherited family property where someone owns an undivided share with siblings or relatives.

The same law also reinforced the five-year logic: if the home is sold before the end of the required period, or if the home is not used as required, the aid may have to be returned to the state.

When a rule is newly changed, practical interpretation can still depend on the platform, notary and the documents in the file. Treat the 2026 update as a real opening, but not as a guarantee of approval.

Examples: Would These Buyers Qualify for 100,000 or 70,000 MAD?

Example 1: 295,000 MAD first-sale property

A Moroccan buyer has never received housing aid before and wants to buy a first-sale apartment priced at 295,000 MAD including tax, with an occupancy permit issued after January 1, 2023. If all other conditions are met, this could fall into the 100,000 MAD bracket.

Example 2: 450,000 MAD first-sale property

The same buyer chooses a qualifying property priced at 450,000 MAD including tax. If the property and buyer pass the checks, this could fall into the 70,000 MAD bracket.

Example 3: 280,000 MAD resale apartment

A resale apartment priced at 280,000 MAD may look affordable, but the low price is not enough. If the apartment has already been sold before, it may fail the first-sale requirement and not qualify.

Example 4: inherited 20% share of a family home

A person inherited 20% of a family property with siblings. Under the 2026 update, this kind of jointly owned share no longer automatically excludes the applicant. The buyer still needs to meet the other personal conditions, and the new property must qualify.

Common Mistakes to Avoid Before Buying

Assuming every property under 700,000 MAD qualifies.
Ignoring the first-sale requirement.
Thinking a resale apartment qualifies just because it is cheap.
Relying on old information about inherited property.
Assuming Moroccans living abroad cannot apply.
Checking your personal eligibility but not the property’s eligibility.
Paying a large deposit before the notary has checked the file.
Assuming the aid will be paid into your personal bank account.
Buying for rental income while ignoring the principal-residence rules.

If you are still comparing cities and budgets, start with our cost of living in Morocco guide and the complete guide to living in Morocco as an expat.

FAQ: Morocco Housing Aid in 2026

How much housing aid can you get in Morocco in 2026?

Eligible buyers may receive 100,000 MAD for a qualifying home priced up to 300,000 MAD including tax. They may receive 70,000 MAD for a qualifying home priced above 300,000 MAD and up to 700,000 MAD including tax.

Who can receive the 100,000 MAD housing aid?

The 100,000 MAD bracket applies to eligible Moroccan citizens buying a qualifying property priced at 300,000 MAD or less including tax. The buyer and the property must both meet the program requirements.

Can Moroccans living abroad apply for housing aid?

Yes. Moroccans living abroad may apply if they meet the conditions. They should pay special attention to documents, notary timing, property eligibility and the principal-residence rules.

Can I receive housing aid if I inherited part of a house?

From 2026, owning a share in a jointly owned property no longer automatically excludes someone from the program. This can help people who inherited an undivided share of a family property, but the rest of the eligibility rules still apply.

Can I buy a resale apartment with Morocco’s housing aid?

A resale property will usually fail the first-sale requirement. A 280,000 MAD resale apartment may be under the financial threshold, but it can still be ineligible if it has already been sold before.

What properties qualify for the housing aid?

The property must generally cost no more than 700,000 MAD including tax, be a first sale, have an occupancy permit from January 1, 2023 onward, include at least two rooms, and be used as a principal residence under the rules.

Where do I apply for housing aid in Morocco?

Applications are made through the official Daam Sakane platform. Once a property is involved, the notary plays a central role in uploading transaction documents and completing the purchase process.

Can I sell or rent the property after receiving the aid?

The program includes a five-year principal-residence commitment. Selling before the required period or failing to use the property as required can lead to repayment of the aid, so verify your plan with the notary before buying.

Conclusion: Check the Buyer and the Property

Morocco’s housing aid can be powerful. A 100,000 MAD or 70,000 MAD contribution can change a buyer’s budget, especially for a first home.

But before committing to a property, check two things:

Do you meet the eligibility criteria?
Does the property meet the eligibility criteria?

A qualifying buyer does not automatically mean a qualifying property. A cheap resale apartment, an old occupancy permit, a property above 700,000 MAD, or a transaction that is not a first sale can still block the aid.

If you have a real purchase project, verify your case through the official platform and your notary before paying significant amounts or signing binding documents.

Morocco Housing Aid 2026: 100,000 MAD, Eligibility and How to Apply