Challenges for non-residents buying property in Morocco

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Buying real estate in Morocco is an attractive opportunity for many non-residents, whether they are investors, members of the Moroccan diaspora, or people looking for a second home.

However, this process can be complex for those who do not live in the country.

Between administrative procedures, cultural differences, and legal constraints, non-residents face several challenges.

This article guides you through the main obstacles and provides solutions to successfully complete your real estate project in Morocco.

Understanding the legal and regulatory framework

Restrictions for foreigners

In Morocco, non-residents can purchase real estate without major difficulties, with the exception of agricultural land, which requires special authorization. However, it is essential to be familiar with local laws to avoid unpleasant surprises.

A foreign investor wishing to buy a villa with land must check whether the land status is indeed buildable.

Mandatory notary involvement

All real estate purchases must be authenticated by a notary. The notary ensures that the property title is clear and that the transaction complies with the law.

Hire a trusted notary who speaks your language or is well-versed in the specifics related to non-residents.

Navigating moroccan taxation

Taxes related to the purchase

Non-residents must pay several taxes when purchasing, including:

• Registration fees (4% to 6% of the property price)
• Notary fees (around 1%)
• Municipal service tax for properties located in urban areas

Taxation on rental income

If you rent out your property, rental income is subject to taxation in Morocco, even if you reside abroad.

Consult a tax expert to optimize your charges and avoid double taxation with your country of residence.

Administrative and bureaucratic challenges

Opening a moroccan bank account

To purchase a property, it is often necessary to open a convertible dirham account in a Moroccan bank. This allows funds to be transferred from abroad and ensures payment traceability.

The procedure can be lengthy, and certain documents, such as proof of residence in your home country, are mandatory.

Document complexity

Sale deeds, contracts, and certificates are written in Arabic. If you are not fluent in the language, understanding the terms of purchase can be difficult.

Hire a bilingual lawyer or real estate advisor to support you throughout the process.

Risks of remote property purchases

Reliability of Developers or Sellers

Non-residents are often vulnerable to questionable business practices. This includes overpriced properties or sales with unclear land titles.

Always request a copy of the land title and verify its validity with the National Agency of Land Conservation.

Limited physical visits

Not being present to visit the property or monitor construction progress (for off-plan purchases) can increase risks.

Hire a trusted local real estate agent to carry out visits on your behalf and provide detailed reports or videos.

Cultural differences and local practices

Negotiations and contracts

In Morocco, negotiations are often informal, which can be unsettling for non-residents accustomed to standardized processes.

Learn to adapt to local practices while remaining firm on your expectations.

Extended Delays

Administrative deadlines and validation procedures may take longer than in some Western countries. It is important to be patient and plan your project carefully.

Finalizing a property purchase in Morocco can take between 3 to 6 months.

Solutions to Facilitate Property Purchases for Non-Residents

Surround yourself with competent professionals

• Notary: Ensures the legal security of the transaction
• Real estate agent: Identifies opportunities and negotiates on your behalf
• Lawyer: Reviews legal aspects, particularly for complex transactions

Using digital tools

With technological advancements, you can use virtual tours, online management platforms, and electronic signature tools to simplify your purchase.

Some Moroccan banks also allow non-residents to open an account remotely.

Buying property in Morocco as a non-resident can be a rewarding experience, but it requires careful preparation and increased vigilance.

Need support to buy your property in Morocco? Check out the offers on Housing Place and find experts to guide you through every step of your project!