Détails Blog

Description of the blog

Most Moroccan families depend on home loans to buy the living accommodation, and they turn to banks for offers that may be compatible with their social level and their ability to pay, therefore referring to official data provided by the Moroccan bank, the last ten years are known to increase the debt of Moroccan families. For banks, from 8.8 trillion centimeters to over 35 trillion centimeters now, and more importantly, over 80% of this dramatic increase in lending belongs to the purchase of homes, or to the grave of life as Moroccans like to call it, considering what families suffer after The Loan, where the long term of the loan, which sometimes reaches 30 years, with bank interest increasing over the years, disturbs the minds of borrowers Moroccans.

What are the loan commitments that the bank provides to customers?

There are many concessions, perhaps the most important of them is the comfortable repayment period of up to 25 years, by which the customer can get the loan he wants, in the repayment period begins to a period of up to 6 months, because we know very well that the expenses which follow the purchase of a home or any property The mind of the client is disturbed, when we are given a period to control his affairs from from what has been completed, the debt repayment process begins, and the customer can increase the premiums with an increase in his ability to pay or reduce payments according to his needs once a year, and because we realize that everyone can go through critical moments or circumstances Inescapable, the payment can be disrupted by the customer, thanks to our trust in the customer, we give him the possibility of postponing the payment of the installments due up to 3 months, in addition that the response to the loan file does not exceed a maximum of 10 days, while via the bank's website, it is done Reject or accept the customer's offer within 48 hours .

What are the conditions for the client to obtain the loan?

The customer must, of course, have a bank balance. He must also have a bitumen job, in addition to at least one year of exercising his professional activity in the same company, in addition to the value of the salary he receives. In addition, the one who wants to benefit from the loan should have A good biography with the banks, where we do a thorough research to find out if this person has a loan in another company, and if he is obliged to pay the down payments on time for them , as we do other routine procedures, like looking at the value of the company he works in to qualify for the loan, where the higher the value of the company, the better the chances of granting the loan. large.

What documents are needed to apply for a mortgage with the bank?

As for the documents, they are the same with all banks, where we ask those who wish to benefit from the loan, a photocopy of the national identity card, in addition to a document proving the "contract of sale" of the housing dated at least 3 months, and a check form, as well as the last three original bank statements or a statement Sealed by the bank, while if he is interested in benefiting from public sector employees, he must present a monthly salary certificate or a certificate of operation, and in the event of retirement, he must present a pension certificate, or if the retired client is involved in the Moroccan Retirement Fund or Fund For a retirement professional Moroccan, he must make a copy of the retirement card. As for employees in the private sector, we ask them to make the final bill of the tariff, in addition to the work certificate, while for workers in the liberal professions, they must provide the professional card, and a copy of the trade register, form "C", What we also ask from traders, and finally from artisans, they must have a certificate of registration for professional tax.