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Calculate the purchase costs of your property in Morocco

Registration duties, land registry, notary fees and VAT: the real cost of your acquisition, with verified 2026 rates.

Estimate your acquisition costs

Two details are enough. Nothing is computed until you press “Calculate”.

MAD

Price on the preliminary agreement, before costs · e.g. 1,200,000

0 of 2 fields filled in

Applicable rates in 2026

Acquisition costs in practice reach 6 to 8% of the price for housing. Rates verified in August 2026 — finance laws may change them.

ItemRate / amountLegal basis
Registration duties — housing4%Tax Code, art. 133
Registration duties — bare land, premises5%Tax Code, art. 133
Land registry (ANCFCC)1.5% + MAD 200ANCFCC tariff
Notary fees≈ 1% (min ≈ MAD 4,000)Regulated fees
VAT on fees20%2023-2024 finance laws
Disbursements, stamps≈ MAD 1,500Case-dependent

What exactly do you pay when buying property?

Four main items add to the sale price. Registration duties (4% for housing, 5% for bare land or premises) are due to the tax authority within 30 days. The land-registry inscription (1.5% + MAD 200) officially transfers the title to your name. Notary fees (≈1%, plus 20% VAT since their alignment on the standard rate) cover drafting and securing the deed, plus disbursements and stamps.

Example for a MAD 1,000,000 apartment: 40,000 (registration) + 15,200 (land registry) + 12,000 (notary incl. VAT) + ≈1,500 disbursements ≈ MAD 68,700, about 6.9% of the price. A mortgage adds separate registration costs.

The traps the calculator cannot show

The main risk of buying in Morocco is not the fee level — it is the legal safety of the asset: untitled property (melkia), unsettled co-ownership, undeclared easements, developers without completion guarantees, unbalanced preliminary agreements. Under-declaring the price exposes the buyer to tax reassessment and weakens the future resale.

A real estate lawyer works upstream of the notary: title and charges verification, agreement negotiation, off-plan (VEFA) specifications audit. For an investment of hundreds of thousands of dirhams, that check costs a fraction of the risks it removes.

Lawyers at your service

Real Estate Law lawyers in Morocco

Verified profiles, members of Moroccan bar associations — call or message them directly from their page

Khalid Chafai
7 years of experience

Khalid Chafai

Cabinet Me. Khalid Chafai•Tangier

About the Law Firm Established in 2019 in Tangier, Khalid Chafai Law Firm provides professional legal advice, litigation, and representation to individuals, businesses, and institutions. Our firm is committed to providing strategic and effective legal solutions while protecting our clients’ rights and interests with professionalism, accuracy, and dedication. Areas of Expertise - Business Law - Family Law - Real Estate Law Firm Motto "Your Rights, Our Priority" Contact Managing Partner: Khalid Chafai, Attorney at Law – Tangier Bar Association Address: 1st Floor, Apt. 8, Playa Mar Building, Intersection of Antaki St. & Ibn Abbad St., Tangier 90000, Morocco Phone: +212 6 61 79 74 69 Website: attorneyatlawkhalidchafai.com

Business LawFamily LawReal Estate Law+22
French · Arabic · Moroccan Arabic (Darija)
Direct contact only
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مروان مرابيط
9 years of experience

مروان مرابيط

Cabinet Me. مروان مرابيط•Nador

A lawyer registered on the Roll of the Nador Bar Association, I practise mainly in the fields of business law, criminal law, family law, real estate law and commercial law. Drawing on experience acquired over several years of professional practice, I provide advice, assistance and representation to my clients before the competent courts, as well as handling the various legal issues falling within my areas of specialisation.

Criminal LawBusiness LawReal Estate Law+12
French · Arabic · English · +2
Online booking · no slot in the next 14 daysBook by phone or WhatsApp.
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Ayoub Oudad
7 years of experience

Ayoub Oudad

Cabinet Me. Ayoub Oudad•Casablanca

OUDAD LAW FIRM assists, advises and represents a clientele of natural and legal persons in their civil, commercial, administrative and criminal disputes, before all the courts of the Kingdom. The Firm intervenes at every stage of the dispute, in particular in matters of: Pre-litigation and risk analysis; Development of a judicial strategy, both for the claimant and for the defence; Provisional and protective measures; Drafting of pleadings and procedural documents; Settlement negotiations; Oral pleadings; Monitoring of the enforcement of court decisions. Our work is based on a rigorous, strategic approach adapted to the stakes of each case.

Business LawLabor LawReal Estate Law+12
French · Arabic · English
Online booking · no slot in the next 14 daysBook by phone or WhatsApp.
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See all Real Estate Law lawyers

Go deeper with the property purchase guide

Preliminary agreement, land title, off-plan and pitfalls — the full 2026 guide.

Read the guide

Frequently asked questions

What are the notary fees for a property purchase in Morocco?
Total acquisition costs reach 6-8% of the price in practice: registration duties (4% housing, 5% land), land registry (1.5% + MAD 200), notary fees (≈1% with a minimum, plus 20% VAT) and disbursements. Our simulator details each item.
Who pays the registration duties, buyer or seller?
The buyer bears the acquisition costs (registration, land registry, notary). The seller pays the real-estate profit tax (TPI) on any capital gain.
Is VAT on notary fees 10% or 20%?
20%. Notary fees, historically taxed at 10%, were aligned on the standard 20% rate by the 2023-2024 finance laws.
Can you declare a lower price to reduce the fees?
It is illegal and risky: the tax authority keeps a price benchmark and can reassess the buyer with penalties. Under-declaration also inflates your own TPI at resale.
Do you need a lawyer on top of the notary?
The notary authenticates the deed but is not your exclusive counsel. For untitled, co-owned or off-plan property, a real estate lawyer defends your interests alone and checks what the fee calculation cannot show.

Have your purchase checked before signing

Land title, preliminary agreement, easements, off-plan: a real estate lawyer secures your acquisition for a fraction of its value.

Find a real estate lawyer