Morocco's housing aid for MREs: can you get the MAD 100,000?

Key facts

• The direct housing aid pays MAD 100,000 towards a home priced at or below MAD 300,000 including taxes, and MAD 70,000 for a home priced above MAD 300,000 and up to MAD 700,000 (Hespress).
• Applicants must be Moroccan nationals, living in Morocco or abroad, who own no home in Morocco on the purchase date and have never received state housing aid (Hespress).
• Only first sales of homes with an occupancy permit dated 1 January 2023 or later, and at least two rooms, qualify (Hespress).
• By 7 May 2026, 101,521 people had received the aid, 24% of them Moroccans living abroad, for homes worth more than MAD 41 billion in total (Secretary of State for Housing, via maroc.ma).
• Since 1 January 2026, an aided home must be the buyer's main residence for five years, and selling within that period means repaying the aid in full (Finance Law 2026, via Hespress and Le360).
• The programme runs from 2024 to 2028, and applications go through the daamsakane.ma platform, which opened on 2 January 2024 (Hespress).

Can Moroccans living abroad get the housing aid?

Yes. The aid is open to Moroccan nationals whether they live in Morocco or abroad, and MREs use it heavily: they filed 26% of applications in the first year and made up 24% of beneficiaries by May 2026. The core conditions, as reported by Hespress:

• Moroccan nationality, whether you live in Morocco or abroad
• No residential property in your name in Morocco on the date of purchase
• No previous state housing aid or benefit
• The home is bought as a first sale, by notarial deed

Because any earlier state housing support disqualifies you, the aid can only be used once.

How much is the aid, and which homes qualify?

MAD 100,000 or MAD 70,000, depending on the price including VAT, and only for new homes.

• Price up to MAD 300,000 including taxes: aid of MAD 100,000
• Price above MAD 300,000 and up to MAD 700,000: aid of MAD 70,000
• Price above MAD 700,000: no aid

The home must have an occupancy permit (permis d'habiter) dated 1 January 2023 or later, at least two rooms, and be sold for the first time. That rules out resale homes and older buildings.

At about 10.8 dirhams per euro (autumn 2026), the price caps are roughly €27,800 and €64,800, and the aid is worth about €9,300 or €6,500. In the first year, 63% of beneficiaries received the MAD 70,000 tier and 37% the MAD 100,000 tier (Hespress, January 2025).

How to apply for the housing aid, step by step

You apply online, then the notaire carries the file. Maximum timings, as reported at launch (Hespress):

• Find a qualifying new home and agree the price, checking it is at or under MAD 300,000 or MAD 700,000 including VAT.
• Apply on the official platform, daamsakane.ma. Preliminary approval is due within 7 days.
• Sign the sale agreement with a notaire, who files it within 7 days of signing.
• The aid is approved and paid within 15 days of that filing, by a cheque made out to the notaire or a transfer to the notaire's account.
• The final deed is signed within 30 days of the aid arriving. If the sale falls through, the notaire returns the aid.
• The state registers a first- or second-rank mortgage on the home as a guarantee, so it can sit alongside a bank loan.

The notaire's file includes the sale agreement, the occupancy permit, the final deed and a property certificate. The documents asked of you as an applicant, and how an MRE proves identity and non-ownership from abroad, are set on the platform: check there rather than on forums. Hespress reported that twelve regional urban-planning and housing agencies would play a key role in delivering it.

What changed in the 2026 Finance Law?

Three things, in force since 1 January 2026, according to Hespress and Le360 reporting on the amendment to Article 8 of the 2023 Finance Law:

• Joint ownership: homes held in indivision, such as a home bought by several family members, can now qualify. Each co-owner must repay the aid if they sell within five years.
• Occupation: the home must be your main residence for five years. Le360 reports this is up from four years, with four years still applying to low-cost homes capped at MAD 250,000 and homes under MAD 140,000.
• Lifting the mortgage: after five years, you apply with your national ID card showing the property's address (or a residence certificate), the sale contract and receipts for the municipal services tax. Before five years, the only route is repaying the aid.

Sources disagree on whether the five-year rule is new: the launch rules reported by Hespress in 2024 already mentioned five years. Either way, plan on five years.

How many people have received the aid so far?

More than 100,000. By 7 May 2026, 101,521 people had received the aid, from 263,000 applications filed by 214,000 citizens, of whom 193,000 were found eligible. By 3 June 2026 the total had passed 105,000 (maroc.ma).

• MREs: 24% of beneficiaries (May 2026)
• Value: homes worth more than MAD 41 billion, with about MAD 8 billion of state aid, roughly 20%
• Profile: 52% under 40; women were 47% in the May statement and 40% in June's
• Where: Fès led the prefectures and provinces by June 2026, followed by Berrechid, Meknès, Greater Casablanca, Kénitra, El Jadida, Benslimane and Settat

None of the northern provinces where many Dutch and Belgian MREs have roots, such as Nador, Al Hoceima, Tangier or Tetouan, appears in that top eight. Check early whether qualifying projects exist where you want to live.

The catches: price caps, occupation and resale

The aid is generous at the bottom of the market and irrelevant above it.

• Price caps: at Mubawab's 2025 average asking price for villas, MAD 14,602 per m², MAD 700,000 buys about 48 m². Few villas qualify.
• Main residence: the home must be lived in as a main residence for five years. How an MRE based in Rotterdam or Brussels proves this, given the ID-address and local-tax evidence required, is not spelled out in the sources we reviewed. Ask the platform or your regional agency before you sign.
• Resale: selling within five years means repaying the aid in full, plus any tax due on the gain (Le360).
• Ownership history: if you hold a share in an inherited family home, ask a notaire whether it counts as owning residential property before you apply.
• Completed homes: the file requires the occupancy permit, so in practice the home must be finished. If you reserve off-plan, ask how the aid is handled at completion; see our off-plan guide.

Can you use the housing aid for a holiday home?

Generally no. The aid is built for a household's main home: it requires five years' occupation as a main residence, excludes anyone who already owns a home in Morocco, and stops at MAD 700,000.

An MRE family that plans to live in the home, or to move back, fits the design. A family that wants a summer villa in Saidia or Martil, or a flat to let to holidaymakers, does not, and taking the aid for such a purchase risks having to repay it.

For a holiday home, the usual routes are savings, a loan from a Moroccan bank or financing at home. See our MRE buying guide and mortgage guide. This is general information: confirm your own case with a notaire before you sign.

Sources

• maroc.ma (MAP): Aide directe au logement : plus de 101.000 bénéficiaires au 7 mai courant
• maroc.ma: Aide directe au logement : plus de 105.000 bénéficiaires, dont 52% de jeunes
• Hespress FR: Programme d'aide au logement : conditions et modalités d'octroi
• Hespress FR: Aide au logement : le PLF 2026 précise de nouvelles modalités
• Le360: Aide au logement : ce qui va changer
• Hespress FR: Soutien direct au logement : 26% des demandes proviennent des MRE
• Hespress FR: F.Z El Mansouri : Le coût du programme d'aide directe au logement à près 9,5 MMDH
• Consonews: Immobilier : Mubawab fait le point sur 2025 et anticipe une demande encore en hausse en 2026