Free tool
Work out your monthly payment, the total cost of your home loan and how much you can borrow, in dirhams, in seconds. Free, no sign-up.
Indicative simulation, excluding arrangement, notary and registration fees. Only your bank's offer is binding.
| Year | Principal repaid | Interest paid | Remaining balance |
|---|---|---|---|
| 1 | 30,301 DH | 42,580 DH | 929,699 DH |
| 2 | 31,693 DH | 41,188 DH | 898,006 DH |
| 3 | 33,149 DH | 39,732 DH | 864,857 DH |
| 4 | 34,672 DH | 38,209 DH | 830,185 DH |
| 5 | 36,265 DH | 36,616 DH | 793,920 DH |
| 6 | 37,931 DH | 34,950 DH | 755,989 DH |
| 7 | 39,673 DH | 33,208 DH | 716,316 DH |
| 8 | 41,496 DH | 31,385 DH | 674,820 DH |
| 9 | 43,402 DH | 29,479 DH | 631,418 DH |
| 10 | 45,396 DH | 27,485 DH | 586,022 DH |
| 11 | 47,482 DH | 25,400 DH | 538,540 DH |
| 12 | 49,663 DH | 23,218 DH | 488,877 DH |
| 13 | 51,944 DH | 20,937 DH | 436,933 DH |
| 14 | 54,331 DH | 18,550 DH | 382,602 DH |
| 15 | 56,827 DH | 16,055 DH | 325,775 DH |
| 16 | 59,437 DH | 13,444 DH | 266,338 DH |
| 17 | 62,168 DH | 10,713 DH | 204,170 DH |
| 18 | 65,024 DH | 7,857 DH | 139,146 DH |
| 19 | 68,011 DH | 4,870 DH | 71,135 DH |
| 20 | 71,135 DH | 1,746 DH | 0 DH |
Understand the calculation
The payment on a fixed-rate loan with constant installments depends on three inputs: the amount borrowed, the nominal rate and the term. A longer term lowers the monthly payment but increases the total interest paid.
The total cost adds interest and borrower insurance over the whole term. Arrangement fees, notary fees and registration duties come on top of the property price and are not included in this calculator.
In general, banks cap all your loan payments at around 40% of your net income. The borrowing capacity mode applies this cap, and you can change it.
Banks often finance a large share of the price but ask for a down payment that depends on your profile and the type of property. Enter your down payment to see its effect on the payment and the total cost.
Frequently asked questions
Enter the property price, your down payment, the term and the rate offered by your bank: the calculator shows your monthly payment, insurance and total cost in dirhams. To see how much you can borrow, use the “How much can I borrow” tab with your net monthly income.
Payment = principal × monthly rate ÷ (1 − (1 + monthly rate)^−number of months). Example: for 1,000,000 DH over 20 years at 4.5%, the payment is about 6,326 DH per month excluding insurance, or about 518,000 DH of interest over the term.
With a 40% debt ratio cap, a net income of 15,000 DH per month allows a maximum payment of 6,000 DH, which is a loan of about 912,000 DH over 20 years at 4.5% with 0.3% insurance. Your bank sets the final limit based on your profile.
The calculator shows the payment excluding insurance, the monthly insurance, then the total payment. Borrower insurance is generally required by the bank and its cost depends on your age and profile.
No. It gives a reliable order of magnitude to prepare your project. Rates, fees and conditions vary between banks: request a priced offer before committing.
Acquisition costs come on top of the property price and your down payment.
Calculate your notary feesTrack every buyer, their budget and their financing file in ImmoSync 360, and automatically match each property to the buyers who can afford it.
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