Mortgage loan payments (free)
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Estimate the monthly payment on your mortgage and its total cost. This free calculator applies the standard amortization formula based on amount, rate and term.
How is the monthly payment calculated?
The monthly payment on an amortizing loan depends on the capital, the monthly rate and the number of instalments. The tool also calculates the total cost and the interest share.
Making good use of the result
Compare the resulting payment with your repayment capacity and the expected rent to check the balance of your project in Marrakech or Agadir. The rate entered is indicative: it depends on your bank and your profile.
Frequently asked questions
Does the calculation include borrower insurance?
No. The payment shown covers capital and interest repayment. Add your insurance premium to get the total monthly payment.
Can I use it for a loan in dirhams?
Yes, the tool works in MAD and is suited to mortgages in Morocco. Check the exact rate offered by your bank.
Indicative estimate provided for information purposes: it constitutes neither financial, tax or 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).
Mortgage payments in Morocco: key points for 2026
The monthly payment depends on the borrowed capital, the rate and the term. The applicable rules are based on the General Tax Code and the Finance Act; scales and rates may change each year.
How to use the result?
This tool gives an instant estimate from your figures. For an investment decision in Marrakech, Agadir or elsewhere in Morocco, cross-check it with our other calculators (yield, cash flow, taxes) and have your case reviewed by a professional.
Support from Armonia Solutions
Armonia Solutions advises investors in Morocco, Marrakech and Agadir on structuring, financing and optimizing their rental project.
More frequently asked questions
Is borrower insurance included?
No: add your insurance premium to the payment shown to get the total monthly payment.
Les valeurs par défaut sont-elles fiables ?
These are 2026 orders of magnitude to adjust to your actual situation. The tool is no substitute for personalized advice.
To go further: discover all our free practical tools and check the official source Bank Al-Maghrib.
For reference, amounts are also converted to US dollars (1 $ ≈ 10 MAD, indicative rate). For an up-to-date rate, use our currency converter.