Housing assistance in Morocco: eligibility, amount and Daam Sakane application

What to check before you begin

In practice, distinguish three moments: verification of your eligibility, validation of the property transaction and payment of the assistance as part of the sale. An application accepted at the initial check does not exempt you from meeting requirements relating to the home and finalization of the deed. The scheme may change: 2026 rules notably expanded certain jointly owned cases.

This guide focuses on the action to complete: understanding the procedure, preparing the right information and switching to the official portal at the appropriate time. e-services.ma remains a private, independent website and does not replace the public administration.

Requirements and preliminary checks

• Be eligible for the scheme under the criteria in force at the time of the request.
• Purchase a home that meets the program’s price and use requirements.
• Do not consider the initial approval final before all required steps have been completed.
• For a jointly owned purchase or an MRE situation, check the specific rules applicable in 2026.

Documents and information to prepare

The list below is intended to help you prepare. If the official portal displays a different or more precise list for your situation, the official list takes precedence.

• CNIE or identity data enabling identification of the applicant.
• Housing and acquisition-project information when requested by the portal.
• Documents or references required by the notary and the platform depending on the file’s progress.
• Reliable contact details to receive tracking notifications.

How to complete the procedure: the steps

1. Create or use your Daam Sakane access and enter the requested information.
2. Submit the eligibility request and wait for the result of the initial check.
3. After preliminary approval, continue the purchase with the authorized professional, particularly the notary where the procedure requires it.
4. Comply with the requirements and deadlines displayed by the platform to finalize the sale.
5. Keep the approval, notifications, file references and supporting documents related to payment of the assistance.

Fees, deadlines and information that may change

The amount of assistance depends on the home price bracket. Official texts and communications set two levels, 100,000 DH and 70,000 DH, for eligible brackets. The home price, acquisition costs and any fees remain separate elements: check what is covered and what remains your responsibility.

Common mistakes to avoid

• Confusing applicant eligibility with housing eligibility.
• Sign or pay without checking the official process and the notary’s role.
• Rely on an old article rather than the rules displayed on Daam Sakane.
• Forget the primary-residence rules or commitments attached to the assistance.

— aide logement Maroc, Daam Sakane FAQ

Official sources and transparency