Direct Housing Assistance Program

Moroccans living in Morocco and Moroccans living abroad who do not own any property and have never received any housing assistance.

The direct housing assistance loan is the complementary bank financing of the amount of assistance provided by the State to the aforementioned target group for the purchase of their main home.

The customer must meet the selection criteria for the housing assistance program, and must have completed the financial assistance process (see below).

• Apply for assistance via the daamsakane.ma digital platform.
• Once the applicant's eligibility has been verified, a preliminary approval is issued within a maximum of 7 days from the date the application is submitted.
• Submission of the preliminary sales agreement to the platform via the Notary Public within a maximum of 7 days from the date of issue, accompanied by a copy of the building permit issued on or after January 1, 2023.
• Approval of the direct financial assistance and payment of the amount within a maximum of 15 days from the date of submission of the documents, via the notary and in accordance with the following terms and conditions:

·         By bank check made out to the notary, given directly to the applicant, who in turn gives it to the notary.

·         By bank transfer directly to the Notary Public's account via the deposit and management fund.

• The applicant has a maximum of 30 days from the date of receipt of the amount by the Notary Public to draw up a final sales contract.
• The Notary Public must submit a copy of the final sales contract and a copy of the certificate of ownership to the digital platform within 30 days.

• The assistance amounts depend on the value of the home purchased. The assistance amount is MAD 100,000.00 for the purchase of a home with a sale price of MAD 300,000.00 or less, and MAD 70,000.00 for the purchase of a home with a sale price of between MAD 300,000.00 and MAD 700,000.00.