Facts checked on October 18, 2026
What the direct housing aid is
Since 1 January 2024, the Moroccan state pays the aid directly to the buyer under decree 2.23.350. Previous housing support went through property developers.
The government announced the programme for 2024 to 2028. Check daamsakane.ma before you buy to confirm it is still open and which rules apply.
How much aid you can get
The amount depends on the sale price including VAT. There is no aid above 700,000 dirhams.
- 100,000 dirhams for a home priced up to 300,000 dirhams
- 70,000 dirhams for a home priced between 300,000 and 700,000 dirhams
Who qualifies, and who does not
The aid is for Moroccan citizens, whether they live in Morocco or abroad. If you hold dual nationality, you apply as a Moroccan with your Moroccan national ID number.
Foreigners without Moroccan nationality cannot apply, even if they live in Morocco. In 2025 and 2026, about a quarter of beneficiaries were MRE.
- Moroccan nationality
- No home or main residence already owned in Morocco
- No previous public housing aid
- Since 2026, co-owners in undivided ownership (often through inheritance) can also qualify
Conditions for the property
It must be the first sale of a new home with an occupancy permit (permis d'habiter) issued on or after 1 January 2023. The home must have at least two rooms.
It must become your main residence, not rented out or used for business. For MRE, this also applies when a spouse, parent or child lives there free of charge.
If you sell within five years, you repay the aid. Until then, a mortgage in favour of the state is registered on the property.
How to apply
Everything happens online, with no paper file. The aid is paid to the notary and counted towards the purchase price.
- Create an account on daamsakane.ma or in the app and complete the form
- You learn within about seven days whether you are eligible
- Within thirty days the notary files the sale promise and the occupancy permit
- Final approval and payment to the notary follow within fifteen days
Combining the aid with a mortgage or Mourabaha
You can combine the aid with a conventional loan or with a Mourabaha contract from a participative bank. With Mourabaha, the notary handles the sale to the bank and then to you.
I would rather tell a foreign buyer plainly that this aid is not for them than see them disappointed later. Always have the notary check your situation before you sign.
Frequently asked questions
Does Morocco offer a subsidy for buying a home?
Yes, for Moroccan nationals including MRE. Daam Sakane pays 100,000 dirhams for a home up to 300,000 dirhams and 70,000 dirhams up to 700,000 dirhams.
Can foreigners get the Morocco housing subsidy?
No. The direct housing aid is reserved for Moroccan citizens living in Morocco or abroad. Foreigners without Moroccan nationality cannot apply.
When does the Morocco housing aid programme end?
It was announced for 2024 to 2028. Check daamsakane.ma for the current status and rules before you commit to a purchase.
Can I rent out a home bought with Daam Sakane?
No. It must be your main residence for five years or, for MRE, be occupied free of charge by a spouse, parent or child. Selling earlier means repaying the aid.
