Practical tools
Morocco property buying costs calculator (notary fees 2026)
What you pay on top of the price, line by line, at the official 2026 rates.
| Registration duty (DGI) | — |
| Extra duty on cash payment | — |
| Land registry (ANCFCC) | — |
| Ownership certificate | — |
| Mortgage registration | — |
| Notary fee, 10% VAT included | — |
| Sundry costs (stamps, copies, certifications) | — |
| Agency commission, VAT included | — |
| Total costs | — |
| Total budget (price + costs) | — |
of the price
And the monthly payment? Simulate your loan →Where the figures come from
- Registration duty: 4% of the price for a built property, 5% for bare land, 3% for the first sale of social housing (General Tax Code).
- Since 1 July 2026 (2026 Finance Act), 2% more on the part of the price paid in cash for a property above 300,000 DH. Pay by bank transfer or crossed cheque to avoid it.
- Land registry: 1.5% of the price + 100 DH per title (minimum 500 DH), and 100 DH for the ownership certificate (ANCFCC tariff).
- Mortgage, if you borrow: 0.5% of the loan up to 250,000 DH, 1.5% from 250,001 to 5,000,000 DH, 0.5% above, + 100 DH per title.
- Notary: fees are free, often around 1% of the price, plus 10% VAT. Ask for a written quote.
FAQ
How much are notary fees in Morocco? +
What people call “notary fees” is usually about 7% of the price for a titled home paid by transfer, with no loan or agency. The notary’s own fee is only a small part (often about 1% + VAT): the rest goes to the tax office and the land registry.
Who pays the buying costs, buyer or seller? +
The buyer, unless agreed otherwise in writing. The seller pays the capital gains tax (TPI) and their own costs. The agency commission is set by the agency agreement.
What about an untitled property (melkia)? +
There are no land registry fees, but registration duty is still due, and adoul fees replace the notary’s. Registering a title later has its own cost.
General information, not legal advice: have it checked by a notary, adoul or lawyer.
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