Daam Sakane 2026: the state’s direct aid for your first home can reach MAD 100,000.
Daam Sakane is the Moroccan state’s direct aid for buying a first home. It can reach MAD 100,000, paid at the moment you sign at the notary. Here is what you need to know in 2026: the amounts, who is eligible, what has changed and how to apply.
Daam Sakane 2026: the amounts
| Property price (incl. VAT) | State aid |
|---|---|
| Up to MAD 300,000 | MAD 100,000 |
| MAD 300,000 to 700,000 | MAD 70,000 |
| Above MAD 700,000 | No aid |
The programme runs from 2024 to 2028. The aid is not a loan: you do not repay it, as long as you meet the conditions.
Who is eligible?
- People of Moroccan nationality, whether they live in Morocco or abroad: Moroccans abroad (MRE) are eligible.
- You do not own a home in Morocco.
- You have never received any other public housing aid.
- The home becomes your main residence. An MRE may also let their spouse, parents or children live there free of charge.
What changes in 2026
The 2026 Finance Act opens the programme to people who own property in joint ownership (indivision), for example a share in an inherited family house. Previously, this excluded many applicants.
The commitments you make
The home must remain your main residence for several years. If you sell or rent it out before the end of that period, you must repay the aid. Check the exact duration and the current conditions on the official platform daamsakane.ma before committing.
Step by step
- Choose a new-build home priced at no more than MAD 700,000 including VAT.
- Submit your application on daamsakane.ma, with your details and those of the property.
- Sign the contract with the developer and arrange your financing (own funds, mortgage or Murabaha).
- Sign the deed at the notary: the aid is paid at that moment and deducted from the price.
Tip: the aid reduces the amount you need to borrow, which strengthens your application with the bank.
Where to find an eligible home in Tangier?
Several new-build projects in Tangier fall within the price caps, notably near the free zone, the airport and the university hospital. Read our article on Daam Sakane apartments near TFZ, the airport and the CHU.
Apartment
Golf Gardens
Golf Gardens (Groupe Amanah), Rahrah road: 3-bedroom apartments of 86 to 97 m², one minute from the Royal Golf of Tangier…more
Apartment
Nour Aouama 2
Nour Aouama 2 (Manafie Properties) in Aouama, Tangier: 2 to 3-bedroom apartments of 50 to 72 m², green spaces and an on-site school…more
Apartment, Office, Shop 2026
Frequently asked questions
Can Moroccans abroad (MRE) benefit from Daam Sakane?
Yes, with the same amounts as residents. The home must be the main residence, or be occupied free of charge by the spouse, parents or children.
Can I use Daam Sakane for a buy-to-let investment?
No. The aid is reserved for a main residence. Renting it out during the commitment period means repaying the aid.
Can I combine the aid with a mortgage?
Yes. It combines with a standard mortgage or a Murabaha.
When is the aid paid?
On the day you sign the deed at the notary, directly as part of the sale.
We help you find an eligible home
👉 Submit your search request mentioning “Daam Sakane” and your budget: we will suggest projects within the price caps. We guide you from A to Z, from the first viewing to the key handover.
The information in this article is indicative. The official, up-to-date conditions are published on daamsakane.ma.
Sources: Daam Sakane (official portal)
