Non-residents can get a Moroccan mortgage, but the decisive step is moving your funds through a Moroccan bank and declaring the investment — that is what lets you take your capital, plus gains, back out when you sell.
Mortgages for non-residents
Moroccan banks lend to non-residents at lower loan-to-value ratios — typically around 50–60% of the value — with terms usually up to about 10 years and a meaningful down payment. Rates are higher than in the EU or US.
The convertible dirham account
Open a convertible dirham account and route your purchase funds through it. This account is your legal proof of foreign investment.
Repatriation and the Office des Changes
If you imported foreign currency through a regulated Moroccan bank and declared it to the Office des Changes, you retain the right to repatriate the equivalent amount — plus capital gains — when you sell. Skipping the declaration is the most common way foreign owners get their exit blocked.
Exchange-control rules apply as of 2026; confirm the current declaration process with your bank and notaire.
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