The Direct Housing Assistance Program: Daam Sakane

Mar 18, 2024

Developing a Brand New Residential Area

The Direct Housing Assistance Program: An Initiative to Facilitate Property Ownership in Morocco

The Moroccan government has set up the direct housing assistance program to help low-income households become homeowners. If you are a first-time buyer looking for affordable housing, this program can help you achieve your dream.

How does the direct housing assistance program work?

The program provides direct financial assistance to eligible households in the form of a grant for the purchase of a new or existing home or for the construction of a home. To be eligible, the household must meet certain criteria based on income, family composition, geographic location of the housing, and compliance with construction standards.

The amount of financial assistance varies depending on the geographic location of the housing and the number of rooms. It is capped at 200,000 dirhams (approximately 18,000 euros) for housing located in urban areas and 140,000 dirhams (approximately 12,500 euros) for housing located in rural areas. Beneficiaries must repay the financial assistance in the form of monthly installments over a period of up to 20 years, with an interest rate of 2%.

How to apply for direct housing assistance?

Applications for financial assistance must be submitted to the National Agency for Housing and Urban Planning Promotion (ANHI). The required documents include a copy of the national identity card, a residence certificate, an income certificate, and a copy of the sales or construction contract.

You can also submit your application for financial assistance online via the ANHI website, www.daamsakane.ma.

What are the eligibility criteria for direct housing assistance?

The eligibility criteria are based on income, family composition, geographic location of the housing, and compliance with construction standards. Households must also be first-time buyers, i.e., they must not have owned a home in the past five years.

The new direct housing assistance program, which came into effect in January 2023, provides for an increase in the amount of financial assistance for eligible households, as well as an expansion of the eligibility criteria.

How to choose your home?

Choosing a home is an important decision that requires careful thought. Here are some tips to help you make the right choice:

• Determine your needs and budget before starting your search.
• Visit several homes to compare prices and features.
• Check the general condition of the home, especially the electrical and plumbing installations.
• Make sure the home is located in a safe and convenient neighborhood for your daily commute.
• Don't hesitate to seek the advice of an expert, such as a real estate agent or building inspector.

To help you find the ideal home, you can consult the catalog. Housing Place offers a wide selection of new and old homes throughout Morocco, as well as detailed information on each property. You can search according to your criteria, such as budget, location, number of rooms, etc. The site also offers practical tools, such as a mortgage loan calculator and a notary fee simulator.

Where to find additional information?

For more information on the direct housing assistance program, you can consult the following websites:

- Ministry of Housing, Urban Policy and Territorial Planning: https://www.mhpv.gov.ma/fr/programme-daide-directe-au-logement/

- National Agency for Housing and Urban Planning Promotion: https://www.anhi.gov.ma/

- Central Guarantee Fund: https://www.ccg.ma/

- National Federation of Real Estate Developers: https://www.fnpi.ma/

- ANHI website for online applications: www.daamsakane.ma

In conclusion, the direct housing assistance program is an important initiative to facilitate access to homeownership for low-income households in Morocco. If you are a first-time buyer looking for affordable housing, this program can help you achieve your dream. Don't hesitate to consult the websites mentioned above for more information and to use Housing Place to find the ideal home.