How much can you borrow to invest in Marrakech, Agadir or elsewhere in Morocco? This free borrowing capacity calculator estimates the loan amount you can finance based on your income, your charges and the debt ratio.

Method

• Maximum monthly payment = income × debt ratio − existing repayments
• Borrowing capacity = the principal corresponding to that monthly payment, over the chosen term and rate

Keep in mind

The bank also takes into account your down payment, your remaining disposable income and the stability of your earnings. The maximum debt ratio (often around 40%) varies between institutions.

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Frequently asked questions

Is the down payment included?

No: the tool estimates the amount you can borrow. Your total purchase budget = borrowing capacity + personal down payment − acquisition costs.

Indicative estimate provided for information purposes only: it constitutes neither financial, tax nor legal advice, nor a guarantee of results. Actual amounts vary depending on the property, the location (Marrakech, Agadir, Taghazout, Souss region…) and market conditions. Sources: DGI (tax.gov.ma), HCP (hcp.ma).

Borrowing capacity in Morocco: key points for 2026

Your capacity depends on your income, your charges and the accepted debt ratio. The applicable rules are based on the General Tax Code and the Finance Act; scales and rates may change every year.

How should you use the result?

This tool gives an instant estimate based on your figures. For an investment decision in Marrakech, Agadir or elsewhere in Morocco, cross-check it with our other calculators (profitability, cash flow, taxes) and have your case validated by a professional.

Support from Armonia Solutions

Armonia Solutions advises investors in Morocco, in Marrakech and Agadir, on structuring, financing and optimising their rental project.

Other frequently asked questions

Is the down payment included?

No: the tool estimates the amount you can borrow. Purchase budget = borrowing capacity + down payment − acquisition costs.

Are the default values reliable?

They are 2026 orders of magnitude to adjust to your actual situation. The tool does not replace personalised advice.

To go further: discover all our free practical tools and consult the official source Haut-Commissariat au Plan (HCP).

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