Housing assistance: what will really change for Moroccans starting in 2026

It is a major update that the Executive is preparing to optimize this flagship social program. According to details reported by the daily L’Économiste, the most anticipated measure concerns the expansion of beneficiaries to co-owners. Until now excluded from the system because they do not have an individual title, these many Moroccans, often co-owners through family inheritance, will now be able to claim state funding. This correction aims to align public aid with the land reality of the country and to lift an administrative blockage that penalized many eligible households.

In return for this expansion, the state is tightening the screws on resale conditions to avoid windfall effects. The minimum occupancy period of the housing as a main residence will increase from four to five years. This extension allows to harmonize the system with the current taxation, in particular the exemption from income tax and land profit. However, an exception is maintained for economic housing at 250,000 dirhams, whose mandatory holding period remains set at four years. Any owner selling their property before this five-year period will now have to repay the full amount of aid received (70,000 or 100,000 dirhams) and pay the related taxes.

To lock down this system, the mortgage release procedure has been tightened. This document, essential for reselling the property, will only be issued by the tax administration after justifying an actual occupation of five years (via the identity card, the sales contract and the municipal tax receipts) or after voluntary reimbursement of the aid amount. These adjustments come as the program is enjoying great success with over 72,000 files validated by the end of October 2025 and nearly 30 billion dirhams in real estate transactions generated, contrasting with the failure of the rural housing program launched in 2019 which is still struggling to attract developers.