Complete guide to buying an apartment in Morocco in 2026

Buying property in Morocco as a resident, diaspora member (MRE) or foreign national is a well-established and legally secure process. In 2026, thanks to the complete digitization of the National Land Registry (ANCFCC) and strict notary oversight, acquiring an apartment in Morocco provides strong legal guarantees. Here is the step-by-step roadmap to navigate your purchase successfully.

1. Budgeting and Ancillary Acquisition Costs

In addition to the agreed sale price, purchasers must budget approximately 6.5% to 7.5% in closing and legal fees:

• Registration Duty (Droits d'enregistrement): 4% of the purchase price.
• Land Registry Fees (Conservation Foncière): 1.5% + fixed fee of 200 MAD for title deed issuance.
• Notary Fees: 0.5% to 1% (+ 10% VAT on the notary fees).
• Mortgage and bank registration fees: ~1% if using a Moroccan domestic bank mortgage or Murabaha Islamic finance.

2. Essential Legal Verification (Title Deeds)

Under Moroccan law, foreign buyers are permitted to purchase urban freehold properties without restriction. You must ensure the property possesses a clean Titre Foncier (Land Registry Title). Never buy un-titled property (Melkia) without converting it first through a registered notary.

Your notary will request a fresh Certificat de Propriété from the ANCFCC dated within 30 days, confirming the absence of any mortgages, liens, or court attachments.

3. Foreign Exchange & Currency Convertibility Guarantee

If you are an international buyer transferring funds from abroad, always open a Dirham Convertible Account in a Moroccan bank. This formally registers your foreign currency inflow with the Moroccan Foreign Exchange Office (Office des Changes), granting you an unconditional guarantee to repatriate 100% of your initial capital and any subsequent capital gains in foreign currency upon resale.

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