Moroccans Abroad Can Finance Multiple Property Purchases in Morocco
Moroccans residing abroad can finance a new property purchase in Morocco, even if they already own a home in the Kingdom. The 2026 regulations allow loans covering up to 80% of the purchase price, with no limit on the number of properties that can be financed.
Owning an apartment in Casablanca, a house in Tangier or a residence in Marrakech does not prevent a Moroccan living abroad from applying for a new mortgage in Morocco. Since January 1, 2026, the Foreign Exchange Office has lifted the limit on the number of properties that can be financed with dirham-denominated loans for MREs.
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Moroccan banks can finance up to 80% of the purchase or construction price of a property, compared with 70% previously. For a home costing one million dirhams, the loan can therefore reach 800,000 dirhams, with a personal contribution of 200,000 dirhams if the bank grants the maximum financing.
The remainder must be provided in foreign currency, in accordance with the rules set by the Foreign Exchange Office. The borrowed funds are deposited into a dirham account opened in the beneficiary’s name. Each application remains subject to an assessment of the borrower’s ability to repay and the bank’s financing conditions.
An exception reserved for Moroccans living abroad
Article 203 of the General Instructions for Foreign Exchange Transactions 2026 provides for another important distinction. Non-resident foreign nationals must submit a declaration on their honour to their bank stating that they do not own a residence in Morocco. MREs are expressly exempt from this requirement.
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This difference allows a Moroccan living in France, Belgium or the Netherlands to apply for financing for a second or even a third property. The foreign exchange regulations set no limit on the number of purchases that can be financed. The amount granted then depends on the bank’s decision and the borrower’s financial situation.
The Foreign Exchange Office also provides for cases in which a property is resold. Banks may transfer abroad amounts corresponding to the initial contribution in foreign currency, capital repayments made under the authorized terms and any capital gain. This transaction is based on the regulatory documents relating to the sale and the source of the financing.
