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Your questions

Buying, selling, investing or entrusting a home, in Morocco and beyond: the answers to what we are asked most often.

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Buying in Morocco

How does buying a property in Morocco work?

Once the price is agreed, buyer and seller sign a promise of sale, usually at the notary’s office, with a deposit often close to 10% of the price. The notary checks the property’s legal standing; the final deed is then signed there and recorded at the land registry, the Conservation foncière, which enters your name on the title. We stay at your side at every step.

What costs come on top of the price?

Allow 6 to 7% of the price in most cases: registration duty (4% for a home), registration at the land registry (1.5%), the notary’s fees and a few fixed charges. Duty on land is slightly higher. Agency fees are not included in that figure, and your notary gives you the exact statement before signing.

What is a titre foncier, and why does it matter?

It is the property’s registration at the land registry: a unique number, surveyed boundaries and the owner’s name, on a final title that can no longer be challenged. A titled property sells and is financed in full security. Some properties are still held only under traditional deeds, known as melkia: buying one calls for more checks, and having it registered is the wiser course.

How long does a purchase take?

Between the promise of sale and the final deed, allow one to three months in most cases, the time for the notary’s checks and, where there is one, the mortgage. A cash purchase of a titled property with a complete file can move faster.

Can I finance a purchase with a Moroccan mortgage?

Yes. Moroccan banks lend to residents and non-residents alike, on their own terms for the deposit, the length and the guarantees. An agreement in principle obtained before the promise of sale makes your offer stronger.

What should I know before buying off-plan?

Off-plan sales are governed by Moroccan law: a preliminary contract sets the price, the floor area and the delivery date, and payments follow the progress of the works. Before signing, check the building permit, the developer’s past work and the guarantee covering your payments.

Buying from abroad

Can a foreigner buy property in Morocco?

Yes. A foreign buyer can purchase an apartment, a villa or building land in town on the same terms as a Moroccan buyer; only agricultural land follows specific rules. Nothing about the process changes: the same promise of sale, the same notary, the same land registry.

Can I buy without travelling?

Yes. We arrange viewings remotely, by video, and you can sign by power of attorney: drawn up before a notary in Morocco or at a Moroccan consulate, or certified abroad and then apostilled. Your representative then signs on your behalf at the notary’s office.

How do I pay from abroad?

The funds are wired in foreign currency to a Moroccan bank, then paid to the notary, who by law holds them with the Caisse de dépôt et de gestion until the signature, before paying the seller. Going through a Moroccan bank is also what preserves your right to take the price back out later.

Will I be able to take my money back abroad when I sell?

Yes, if the purchase was paid in foreign currency transferred through a Moroccan bank. The property then falls under the convertibility regime: on resale, the price and the gain can leave Morocco once taxes are settled. Keep the transfer records your bank gives you safe.

Does buying in Morocco give a right to residency?

Not on its own. Citizens of many countries, including those of the European Union, the United Kingdom and the United States, can stay up to three months without a visa. Beyond that, a residence card is applied for separately.

Selling your home

How do you value my home?

We visit it, then compare it with recent sales in its neighbourhood, weighing what makes it rare: the view, the land, the light, its condition and its finishes. You receive a reasoned, confidential valuation, which becomes the basis for the asking price.

Can I sell without my home being listed publicly?

Yes. An off-market sale presents the home privately to buyers we have qualified, with no public listing and no photographs online. Owners who value their privacy often choose it, and the home can appear on the site later if you wish.

What documents do I need to sell?

The certificate of ownership from the land registry, your identity document, proof that local taxes are paid (the housing tax and the municipal services tax) and, for an apartment, a certificate from the building’s managing agent. Plans and the certificate of occupancy make the sale easier, and the notary will tell you if anything is missing.

What tax applies when I sell?

The tax on property gains: as a rule 20% of the gain, with a minimum of 3% of the sale price. A main residence may be exempt under certain conditions. Your notary works out the exact amount before signing.

How long does it take to sell?

Above all, it depends on the price. A home valued accurately and presented with care usually finds its buyer within a few months; an over-ambitious price is what delays a sale most. Once the buyer is found, allow one to three months until the deed.

Investing and entrusting

Can you look after my home while I am away?

Yes. Upkeep, letting and concierge services: your home is kept as if you were there. Each arrangement is defined with you, from simple oversight to full management.

Can you let my property for me?

Yes. We find the tenant, check their file, prepare the lease and the inventory, then follow the tenancy if you entrust it to us. Our rentals are by the month, furnished or unfurnished.

What taxes does an owner pay each year?

For a home kept for your own use, the housing tax and the municipal services tax, both based on its rental value, plus service charges for an apartment. A let property does not pay the housing tax, but its rents are taxed as property income.

Are rents from a Moroccan property taxed if I live abroad?

Yes. Income from a property in Morocco is taxable there, whether or not its owner lives in the country. Depending on where you live, a tax treaty may prevent double taxation, and a tax adviser will tell you how to declare it.

Can a resident of Morocco buy property abroad?

Moroccan exchange rules govern such a purchase: for a resident, it generally requires the approval of the Office des Changes. A Moroccan living abroad buys with the funds held there. It is a point to settle with your bank before the search begins.

Working with us

Where are you based?

In Casablanca, where the house was born. Most of our homes are in Morocco, in Casablanca, Rabat and Tangier, and we also accompany clients in a few great cities abroad: all of them are on the Destinations page.

How do I start a search with you?

Write to us on WhatsApp or call us: the city, the kind of home, the budget and the timing are enough to begin. We come back to you with a first selection, including homes that are not on the site.

Do my details stay confidential?

Yes. Your name, your project and your budget stay between us; they are shared only with those the transaction requires, such as the notary. Viewings are private, by appointment.

Why work with Essaid Estates?

Because the finest homes often change hands without a listing, and a transaction at this level calls for checks, negotiation and discretion best left to people who know the ground. We know the homes, the owners and the neighbourhoods, and spare you pointless viewings.

Let us open the door, together

A private viewing, a valuation or a first conversation: write to us and we will answer personally.

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