SYNDIWISE · MAROC

Borrowing capacity in Morocco: start with your actual budget.

Estimate loan principal, financing cost and a purchase budget using expenses, term and fees.

Your figures stay in this page. Prefilled examples are fictional: replace them with your actual income or quotes.

Replace income and expenses.
Copy the rate, insurance and fees from the bank offer.
Compare terms and keep a reserve.

1 · Your monthly budget

Net monthly income (MAD) Existing loan payments / month (MAD) Living expenses after purchase / month (MAD) Savings and safety margin / month (MAD) Chosen loan-payment limit (% of income)

30% is an illustrative choice, not a bank approval rule. Include future housing running costs in living expenses; exclude loan payments entered separately and rent that ends after purchase.

2 · Loan conditions

Term (years) Fixed annual rate from the offer (%) Does the entered rate include VAT on interest? Fixed monthly insurance incl. taxes (MAD) Upfront financing fees incl. taxes (MAD)

Use the offer’s fixed nominal rate, not its APR/TEG. Insurance is a fixed entered monthly amount: if it varies or is paid upfront, adjust the allowance with the bank. Include security and arrangement fees here only if not counted elsewhere.

3 · Add own funds and acquisition costs

Available savings (MAD) Reserve to keep (MAD) Acquisition fees paid outside the loan (MAD)

The purchase budget excludes fees: principal plus savings left after reserve, financing and acquisition fees. Transfer acquisition costs from the acquisition calculator without counting financing fees twice.

How is loan principal calculated?

The payment envelope is the lower of your chosen limit after existing loans and income left after living expenses and monthly savings. Insurance is deducted before principal is calculated.

C = M × [1 − (1 + i)⁻ⁿ] / i · i = annual rate (%) / (100 × 12) · n = years × 12

At 0%, C = M × n. This assumes a fixed-rate amortising loan, end-of-month payments and no grace period. For a VAT-exclusive rate with 10% VAT on interest, i is multiplied by 1.10. Upfront fees are not financed. No regulatory APR/TEG is calculated.

Is this a bank approval?

No. The lender reviews income, age, security, credit history and file conditions. Variable-rate or participative financing needs its own schedule. Ask for a written offer stating VAT, insurance, fees and early repayment terms.

Method reviewed on 11 October 2026. Example figures are not market rates.