Daam Sakane 2026: MRE Eligible for Morocco's Direct Housing Aid of MAD 70,000 to 100,000
The Daam Sakane programme pays direct aid of MAD 70,000 to 100,000 to buy a primary residence in Morocco. First-time MRE buyers are eligible under conditions tailored to the diaspora. Here is the full procedure and pitfalls to avoid.
Daam Sakane is the direct housing aid programme set up by Morocco's Ministry of Housing. Extended through 2028, it pays first-time buyers a subsidy of up to MAD 100,000. MRE are eligible under conditions adapted to their foreign residence. Here is what to know for 2026.
Aid amounts
The aid is paid in a single instalment at the time of purchase. Two tiers apply depending on the purchase price.
For a property with a price including tax below MAD 300,000, the subsidy is MAD 100,000. For a property priced between MAD 300,000 and 700,000 including tax, the subsidy is MAD 70,000. Above MAD 700,000 including tax, the property is no longer eligible.
The subsidy complements personal financing or a mortgage. It directly reduces the amount to mobilise for the purchase.
General eligibility conditions
Several criteria apply to all beneficiaries, both MRE and Morocco residents.
The applicant must hold Moroccan nationality. They must not own another residential property in Morocco. They must never have benefited from another State-subsidised housing aid.
The property must have an occupancy permit dated 1 January 2023 or later, and it must be a first sale. Resold or older properties are not eligible. The programme targets new properties from the developer pipeline.
Specific MRE conditions
MRE benefit from adjustments linked to their residence abroad.
The property must be dedicated as a primary residence for 5 years. Since the MRE cannot live there permanently, they may make the property available free of charge to their spouse, an ascendant (parents, grandparents) or a direct descendant (children, grandchildren).
This flexibility allows an MRE to co-finance housing for parents or for student children in Morocco while still benefiting from the aid. The arrangement must be free of charge, without rent.
The 2026 update
The 2026 Finance Law extended eligibility to owners holding property in undivided ownership. Concretely, an MRE inheriting a share in a family property can now access Daam Sakane to buy their own primary residence, whereas this situation previously excluded the beneficiary.
This change clarifies a grey area that had penalised many MRE since the programme launched in 2024.
The anti-speculation mechanism strengthened in 2026
To prevent Daam Sakane from being used for speculative transactions, an anti-resale mechanism applies.
Any sale of the property before 5 years of effective occupation requires the beneficiary to fully repay the aid received, either MAD 70,000 or 100,000 depending on the case. To this repayment is added the property profit tax (TPI) according to the rate in force at the time of resale.
For an MRE, this rule requires long-term planning. The aid is not suited to short-term buy-and-flip projects. It fits a long-term wealth-building approach.
The practical procedure
Registration is done on the official portal daamsakane.ma. The file includes the CNIE for Morocco residents or the consular card for MRE, the preliminary sale agreement signed before a notary, the property's occupancy permit and a tax certificate showing the applicant does not already own another property in Morocco.
Processing time ranges from 4 to 12 weeks depending on file completeness. The aid is paid directly to the notary for integration into the deed, or to the beneficiary after signing depending on the case.
An MRE can complete the procedure from abroad by appointing a representative in Morocco via a notarised power of attorney. This power must strictly limit the acts to the Daam Sakane file and the signing of the purchase deed.
Mistakes to avoid
Three mistakes are common among MRE applicants.
Buying before receiving eligibility confirmation, thinking they can regularise afterwards. The programme requires an approved application before the authentic deed.
Underestimating the 5-year primary residence condition. If the property is rented out as a standard rental, the aid must be repaid. Only free arrangement with close family is permitted.
Forgetting that the occupancy permit must be dated 1 January 2023 or later. Many real estate listings concern properties delivered before this date and therefore ineligible, even if new.
Stacking with other schemes
Daam Sakane can be combined with a standard mortgage at a Moroccan bank. The subsidy reduces the amount to finance. It cannot be combined with other State-subsidised housing aids.
For an MRE taking out a Moroccan mortgage in parallel, several banks offer MRE-tailored products with the Daam Sakane subsidy integrated into the financing plan. Consulting a property broker or a Moroccan banking adviser helps structure the arrangement.
Further reading
The official daamsakane.ma portal centralises updated conditions and the application form. The Ministry of Housing publishes additional circulars on mhpv.gov.ma. For questions linked to the legal structuring of the purchase, a notary registered with the Moroccan Notary Chamber remains the main contact.
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