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What will I pay, and when?

Off-plan, the price is paid in several instalments. Enter the price, set three sliders, and see what you pay on reservation, during construction and on handover, before talking it through with your adviser.

Updated on

The price of the home you are interested in, or choose a development from the selection just above.

What you pay when you reserve your home, as a percentage of the price.

The balance, paid on the day you are handed the keys, as a percentage of the price.

The rest of the price, 75%, in equal payments during construction (“payment calls”), from 0 to 60.

Add your dates (optional)

With the month of reservation and the month of handover, each payment gets an indicative month.

Year and month, for example 2027-03.

How it is calculated
  • Off-plan, the price is paid in three stages: on reservation, during construction and on handover. The three shares add up to 100%: the construction share is what is left.
  • Construction payments are equal. In your contract, they are often called “payment calls”.
  • Each amount is rounded to the dirham; any difference goes on the last payment, so that the total is exactly the price.
  • With your dates, construction payments fall at regular intervals: an assumption. The contract sets the actual due dates, often tied to construction stages.
  • Starting split: the development's published schedule when it follows this pattern; otherwise an example, to be replaced by the one in your contract.
  • No rate, no costs and no currency conversion are added to the price.

Your schedule

IndicativeExample

Example — to be replaced by the schedule in the contract. It is neither a rule nor a developer's term.

Enter the property price, or choose a development: your schedule appears here.

On top of the price: the purchase costs (registration duty, land registry, notary), settled when the final sale deed is signed.

Estimate the costs and the financingEstimate the rental yield

Enter the property price

Good to know: registration duty on an off-plan purchase

Good to know: registration duty on an off-plan purchase

It does not follow the rhythm of the instalments: a small fixed duty on reservation, the rest with the final sale deed.

  • Reservation and preliminary contract

    Each is registered for a fixed duty of MAD 200; the proportional duty comes with the final sale deed.

    Source: General Tax Code 2026 (new tab), CGI, art. 135-II-16°, checked on

  • Final sale deed

    Registration duty of 4% of the price stated in the deed, VAT included, plus 2% on any part paid in cash or without payment references in the deed when the price exceeds MAD 300,000 (deeds drawn up since 1 July 2026).

    Source: General Tax Code 2026 (new tab), CGI, art. 133-I-F-1°, checked on

    Source: General Tax Code 2026 (new tab), CGI, art. 133-III (loi de finances n° 50-25), checked on

These figures are indicative: they help you prepare your purchase, not decide it. This is neither a financing offer nor legal, tax or financial advice: your notary, your bank and your tax adviser prevail.

The schedule that binds you is the one in your reservation contract or preliminary off-plan sale contract (Law no. 107‑12): have your notary review it before you sign.

Amounts in Moroccan dirhams, with no currency conversion. Nothing you enter is sent to us: the calculation runs in your browser, which keeps your latest figures for the session so you can move from one tool to another.

Your figures, reviewed together.

Unit price, contract schedule, financing: bring your assumptions to the appointment and we go over them with you.

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