Buying an Apartment: All the Steps You Need to Follow
Buying an apartment in Morocco is a major decision, whether for a primary residence, rental investment, or a purchase from abroad. This detailed guide explains all the essential steps to buy an apartment safely, in compliance with Moroccan real estate laws and market best practices.
What are the steps to buy an apartment in Morocco?
- Define your budget and financing method
- Choose the city and neighborhood
- Verify the property land title
- Sign the preliminary sale agreement
- Finalize the purchase with a notary
- Register the deed and pay purchase costs
1. Define your budget and financing
The first step in buying an apartment is to clearly define your total budget, including:
- The apartment purchase price
- Notary fees (approximately 1% to 1.5%)
- Registration and land registry fees
- Mortgage costs (if applicable)
Mortgage and home loan in Morocco
Moroccan banks offer home loans to residents and Moroccans Living Abroad (MRE). Loan durations can reach up to 25 years, with a personal contribution generally ranging from 10% to 30%.
2. Choose the city and neighborhood
Location is a key factor when buying real estate in Morocco. The most popular cities to buy an apartment include:
- Casablanca: business hub and primary residence
- Rabat: stability and quality of life
- Marrakech: rental investment and tourism
- Tangier: strong growth and proximity to Europe
- Agadir: climate and second homes
Consider proximity to public transport, schools, shops, and upcoming urban development projects.
3. Verify the land title and legal status
Before signing any document, it is essential to ensure that the apartment has an individual land title (Title Deed). This is the main legal guarantee that the property truly belongs to the seller.
Key points to verify:
- The owner's name on the land title
- The absence of mortgages or legal disputes
- Consistency between surface area and approved plans
👉 A Moroccan notary is mandatory to carry out these legal checks.
4. Sign the preliminary sale agreement
The preliminary sale agreement (compromise of sale or promise to sell) is a written document that legally binds both the buyer and the seller.
It specifies:
- The agreed purchase price
- The deadline for final signature
- Suspensive conditions (financing, documents)
- The deposit amount (usually 5% to 10%)
⚠️ Never transfer funds without a written and legally validated document.
5. Final signature with the notary
The final deed of sale must be signed exclusively before a Moroccan notary.
The notary is responsible for:
- Drafting the authentic deed
- Securing and receiving funds
- Registering the transaction
- Transferring ownership to your name
Once the deed is signed, you officially become the owner of the apartment.
6. Purchase costs to plan for
| Type of cost | Estimated amount |
|---|---|
| Notary fees | 1% to 1.5% |
| Land registry fees | 1% |
| Registration fees | 4% |
Tips for buying an apartment safely in Morocco
- Never buy without a registered land title
- Always work with a licensed Moroccan notary
- Compare several properties before making a decision
- Avoid cash payments
- Check condominium and maintenance charges
Frequently Asked Questions (FAQ)
Can a foreigner buy an apartment in Morocco?
Yes, foreigners can freely buy apartments in Morocco, except for agricultural land.
How long does it take to buy an apartment?
On average, the process takes between 2 and 6 weeks, depending on documentation and financing.
Do I need to be physically present in Morocco to buy?
No, you can buy remotely by granting a legalized power of attorney.
Conclusion
Buying an apartment in Morocco is a great opportunity provided that all legal steps are properly followed. By using this guide, you reduce risks and secure your real estate investment.
👉 Also explore our real estate listings in Casablanca and other Moroccan cities.