Are Construction Loans Hard to Get in Morocco? 🇲🇦

Getting a construction loan in Morocco is not necessarily difficult, as many Moroccan banks offer financing solutions tailored to individuals looking to build their homes or real estate projects.

One of the leading options is CIH Bank, which provides a “Construction Housing Loan” that covers up to 100% of the total construction cost. This loan offers a repayment period of up to 25 years and a grace period of up to 18 months. (CIH Bank)

Another alternative is BMCE Bank (Bank of Africa), which offers the “Immo Plus Classic” loan. This product allows financing for buying a property or building a primary or secondary residence, with financing covering up to 105% of the property’s value at competitive interest rates. (Bank of Africa)

Additionally, Attijariwafa Bank offers a variety of real estate financing solutions, whether for purchasing a house or land for construction, with flexible repayment plans and competitive interest rates. (Attijariwafa Bank)

To apply for a construction loan in Morocco, you typically need to provide:
✅ National ID card
✅ Proof of employment
✅ Recent payslips
✅ Ownership certificate
✅ Building permit (if applicable)

Overall, Moroccan banks offer multiple financing options for construction projects, ensuring clients receive tailored advice and manageable repayment solutions.