Daam Sakani — Complete Guide
A Subsidy Worth Understanding
Before You Build Around It.
Daam Sakani is Morocco's direct housing support programme — launched January 2024, running to 2028. Up to 100,000 MAD paid directly to qualifying buyers. MRE buyers are eligible. But the rules matter before the subsidy shapes your budget.
What Is Daam Sakani
Direct State Aid for
First-Time Buyers.
Launched under Royal initiative on 17 October 2023 and operational from 1 January 2024, Daam Sakani replaces Morocco's previous indirect subsidy model. Instead of subsidies flowing to developers, the money now goes directly to the buyer — via a digital platform and coordinated through the notary.
As of October 2025, over 205,000 applications had been submitted, with more than 72,000 households already having received the aid. The programme is allocated approximately 9.5 billion MAD per year and is confirmed until 2028.
Eligibility
Who Qualifies
and Who Does Not.
The eligibility rules are clear but specific. A buyer who does not meet all conditions will not receive the subsidy — regardless of what a sales team may have implied. These must be verified before structuring your purchase around the aid.
MRE — Special Rules
The 5-Year Rule Has
an MRE Alternative.
The standard Daam Sakani condition requires the buyer to use the property as their primary residence for at least 5 years. MRE buyers cannot always meet this literally — they live abroad. Morocco has acknowledged this and provided a specific alternative.
The MRE Alternative to Personal Occupancy
MRE buyers can satisfy the 5-year primary residence obligation by making the property available free of charge to their spouse, an ascendant (parent, grandparent), or a direct descendant (child). The arrangement must be a genuine gratuitous availability — not a paid rental.
What this means practically: An MRE buyer who places their parent or child in the property without charging rent satisfies the condition. A notarised bail gratuit (gratuitous lease) is the typical instrument used to document this.
What triggers repayment: Selling, renting commercially, or placing someone outside the immediate family circle in the property within the 5-year period forces full repayment of the subsidy.
A Moroccan MRE who owns a property in Morocco can still treat it as their primary residence for Moroccan tax purposes — even if they do not physically live there. This is a specific provision that applies to MRE buyers under Moroccan tax law and has implications for capital gains and property tax that are worth discussing with a notary.
The Application Process
How Daam Sakani
Actually Works.
The process is digital-first, run through the official platform at daamsakane.ma. The buyer initiates the application, receives a pre-approval, and the notary handles the formal submission once a property is reserved.
Create Your Account on daamsakane.ma
Register on the official platform using your Moroccan national ID and the Mon e-ID authentication app. MRE buyers can access the platform from abroad. Select your region, target price range, and indicate MRE status.
Submit Your Application
Complete the application with your personal details, proof of eligibility, and the property information. The platform reviews your application and sends a pre-acceptance or rejection within 7 days by SMS and through your account dashboard.
Download Your Pre-Approval Receipt
On pre-approval, download the official receipt from the platform. This document goes to your notary. It must be submitted within 30 days — after which the pre-approval may lapse.
Notary Submits Documents
Your notary submits the reservation agreement and permits permit (permis d'habiter) on the platform within the required timeframe. This step requires a notary familiar with the Daam Sakani platform — not all are equally experienced.
State Transfers Aid to Notary
After document validation, the state transfers the subsidy amount directly to your notary — either by cheque or bank transfer — within 15 days. You then have 30 days from receipt to sign the final purchase contract.
Frequently Asked Questions
Questions Buyers
Ask About Daam.
These are the questions that come up before a reservation, not after. Read them before Daam shapes any part of your plan.
No. The programme is for first-time buyers only. If you currently own — or have ever owned — any residential property in Morocco, you are not eligible. This applies regardless of whether the previous property was a social unit, a family inheritance, or a full market purchase.
If the property will be jointly owned, both names must meet the eligibility criteria. If the purchase is in your name only and you personally have never owned property or received housing aid, you may still be eligible — but this should be confirmed with your notary for your specific situation.
No — not as a paid rental during the 5-year obligation period. Commercial rental or transferring the property to a non-family member triggers full repayment. MRE buyers can place immediate family members in the property without charge — that satisfies the rule. But paid rental during the 5-year window nullifies the aid.
You must repay the full subsidy amount to the state. This is the clearest consequence buyers need to understand before treating the Daam unit as a short-term investment. The 5-year obligation runs from the date of final purchase.
Selected units at Elaf Sky View are priced to fall within the 300,001–700,000 MAD range, which qualifies for the 70,000 MAD subsidy tier. These are the smaller interior courtyard units (approximately 62–63 m²). The larger units exceed the 700,000 MAD ceiling and do not qualify for Daam. Exact unit pricing and eligibility should be confirmed with us directly before reserving.
Yes — there are strict deadlines at each stage: 7 days for platform pre-approval, 30 days for the notary to submit documents, 15 days for the state to transfer the funds, and 30 days from receiving the aid to sign the final contract. Missing any of these windows can void the application. A notary experienced with the Daam platform is important.
Yes — as long as it is a genuine gratuitous arrangement with no payment. A parent, grandparent, child, or spouse placed in the property free of charge satisfies the 5-year condition for MRE buyers. The arrangement is typically documented through a notarised bail gratuit. Paid rental — even informally — triggers repayment.
Yes. The subsidy reduces the effective purchase price, which reduces the loan amount needed. MRE buyers financing through a Moroccan bank typically need a down payment of 20–40% depending on the institution and their profile. The subsidy amount is applied as part of the transaction — your notary coordinates the timing.
Daam at Elaf Sky View
What Makes This Different.
Most Daam-eligible properties are standard social housing. Elaf Sky View is different: selected 62–63 m² units fall within the eligible price range while belonging to a building with high-spec finishes, solar infrastructure, Turkish-imported doors, equipped kitchens, and titled underground parking. The buyer accesses the same address and build quality at an entry point that the subsidy makes more accessible.
View Elaf Sky View Ask About Daam UnitsNext Step
Could Daam Work for You?
Tell us your situation — whether you own property currently, where you live, and what property you are considering — and we will tell you whether Daam is genuinely applicable.
Contact
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Trying to Buy or Build.
Whether you are comparing properties, buying from abroad, returning home, or bringing a development to market, the right next step depends on your situation. Tell us what you are working on and we will respond with the most relevant path forward.
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