Heirs in co-ownership: you are now eligible for Daam Sakane aid since 2026

The 2026 Finance Law extends the Daam Sakane program to owners in co-ownership situations. If you inherited a share of a family property in Morocco, you can now benefit from the aid to buy your own home.

The problem that blocked thousands of Moroccans abroad

Previously, one of the Daam Sakane eligibility conditions was not owning residential property in Morocco. However, tens of thousands of MRE hold an undivided share of an inherited family property (parents' house, family land), without being individual owners. This co-ownership situation, often involuntary, excluded them from the program.

What the 2026 Finance Law changes

The 2026 Finance Law corrects this injustice by extending eligibility to owners in co-ownership situations. Specifically, if you hold an undivided share of an inherited family property, you are now eligible for Daam Sakane aid to buy a new property in your own name.

A practical example

Karim, 38, lives in Lyon. Following his father's death, he inherited one-fifth of the family house in Kenitra, in co-ownership with his four siblings. Until 2025, this share barred him from Daam Sakane. Since 2026, Karim can submit an application on daamsakane.ma and receive 100,000 MAD in aid to buy a new apartment at 280,000 MAD in a residence in Kenitra, to house his mother.

How to resolve co-ownership

If you wish to go further and regularize your family property situation, several options exist: amicable division before a notary, buying out other co-owners' shares, or selling the property with price distribution. Each option has specific tax and legal implications.

Learn more

Read our guides: Daam Sakane for Moroccans abroad for full conditions and registration, and Co-ownership succession in Morocco to understand how to manage and resolve co-ownership. For complex succession situations, our guide Inheritance in Morocco for MRE details all procedures.

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