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BY LAW 09-08, YOU HAVE A RIGHT OF ACCESS, RECTIFICATION AND OPPOSITION
PROCESSING OF PERSONAL DATA.
THIS TREATMENT WAS AUTHORIZED BY THE CNDP UNDER No.
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Would you like to acquire a plot of land, build or expand your home, plug in water and / or electricity? Al Amana Microfinance has designed the Individual Housing Loan (IHL) for you. The amount of this loan is from 1,000 to 48,000 Dirhams and the repayment duration ranges from 6 months to 4 years. This loan is aimed at micro-entrepreneurs with or without premises, employees, public servants, car park guards or parkings. You are also eligible if you (or your spouse) receive a rent or a pension.
  • Be committed to investing your entire loan in your housing project and not entrusting it to a third party.
  • Having good morals and transparency.
  • Having the minimum guarantees required.
  • Your housing project is located in the VDP intervention area
  • Be the head of the household or recognized as such by the other members of the household.
  • Dispose of title, contract of sale and / or sales agreement or other supporting documents, such as receipts for payment of an advance or registration.
  • Having the necessary permits for the construction or development of the housing project.
  • Loan agreement.
  • Acknowledgment of debt.
  • Property pledge agreement: for the SP guarantee.
  • Mortgage loan agreement
  • Al Amana Microfinance Debt Rules

If you are indebted, you are eligible if:

  • Your work-in-progress with the colleagues does not exceed 10,000 Dhs.
  • The sum of the repayment maturities (Al Amana + the colleagues) does not exceed 45% of your savings capacity calculated after the allocation devoted to the consumption of the household.
  • Acquisition of a parcel of land: The parcel must be located in a subdivision equipped according to the law in force.
  • Construction of a basic housing.
  • Extension of a dwelling: addition of a level, improvements and internal or external transformations such as the enlargement of a room.
  • Improvement of a housing: tiling, flooring and walls, painting, carpentry, ironwork
  • Connection to water and / or electricity networks.
  • Advance for purchase of a dwelling.

Installment Loan

From 1,000 to 48,000 Dirhams depending on the type of guarantee and the amount of the loan

Repayment period

From 6 months to 4 years:

  • Between 12 and 182 maturities for the bi-monthly repayment loan.
  • Between 6 and 84 deadlines for monthly repayment loan Periodicity Bimonthly or Monthly (depending on the case).