Daam Sakane Program 2026: Complete Guide to Direct Housing Aid in Morocco
Équipe Aqarrati
Experts en immobilier au Maroc
The Daam Sakane program, launched by the Moroccan state, offers direct aid of up to 100,000 dirhams for property acquisition. Over 170,000 applications have been submitted on the platform since its launch, with more than 72,000 approved. In 2026, this program undergoes significant changes, expanding eligibility and introducing new occupancy conditions, making it an essential lever for homeownership access.
What is the Daam Sakane Program?
Daam Sakane is a direct housing aid program initiated by the Moroccan government to facilitate property ownership for low-to-middle-income households. It takes the form of a direct grant paid upon property acquisition, complementing a regular bank loan. This program is part of the national housing policy aimed at reducing the estimated housing deficit of 1.2 million units.
Daam Sakane Aid Amounts in 2026
| Property Price Range | Aid Amount | Housing Type |
|---|---|---|
| Up to 300,000 MAD (incl. tax) | 100,000 MAD | Economic and social housing |
| Between 300,001 and 700,000 MAD (incl. tax) | 70,000 MAD | Mid-range housing |
Eligibility Conditions
- Be of Moroccan nationality
- Not own another property in Morocco (joint ownership situations now accepted since 2026)
- The property must be intended as primary residence
- The property must be purchased from an approved real estate developer
- Property price must not exceed 700,000 MAD including tax
- Must not have previously benefited from a similar aid
New Program Features in 2026
- Expanded to include joint property owners: now eligible, correcting a previous inequality
- Minimum occupancy period: any sale before 5 years of effective occupancy requires full repayment of the aid received
- New mortgage release conditions after repayment or proof of 5-year occupancy
- Strengthened application controls to combat fraud
How to Submit Your Application on Daam Sakane
- Visit the official platform daamsakane.ma
- Create an account with your National ID (CIN)
- Complete the application form with your personal information and property details
- Attach supporting documents: ID, sale agreement, income proof
- Track your application status online
- If accepted, the aid is paid directly to the financing bank
Program Results and Impact
By end of October 2025, over 170,000 applications had been submitted on the Daam Sakane platform, with 72,000 approved. This program has enabled thousands of Moroccan households to become first-time homeowners. The government plans to strengthen it further in 2026 to achieve its goal of reducing the housing deficit and stimulating real estate developer activity.
Frequently asked questions
How long does it take to process a Daam Sakane application?
The average processing time is 2 to 3 months. Application status can be tracked directly on the daamsakane.ma platform.
Can Daam Sakane aid be combined with a bank loan?
Yes, Daam Sakane aid is designed to be combined with a bank mortgage loan. It reduces the borrowed amount, thereby reducing monthly payments.
What happens if I sell my property before 5 years?
Since 2026, any sale before 5 years of effective occupancy requires full repayment of the aid received (100,000 or 70,000 MAD as applicable).
Can Moroccans living abroad (MRE) benefit from Daam Sakane?
The program is primarily intended for Moroccan residents. MREs may be eligible for certain specific aids, but Daam Sakane conditions are generally reserved for buyers using the property as primary residence in Morocco.
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