Real estate markets face financing and cost challenges in France and Morocco

Real estate market dynamics are facing distinct challenges in France and Morocco, particularly regarding financing and production costs.

In France, a personal contribution of €90,000 can significantly facilitate mortgage acquisition. Such an amount can cover notary fees, file fees, and guarantees, potentially allowing an individual to borrow up to approximately €285,000, resulting in a total budget of €380,000. The final borrowing capacity remains dependent on income, expenses, loan duration, and interest rates.

In Morocco, direct housing aid is helping some families achieve homeownership, but it is insufficient to address systemic issues. Rising production costs, expensive land, and increased material prices are squeezing developers. While aid assists buyers, it does not mitigate the high costs of construction or the gap between rising property prices and stagnant purchasing power, which threatens the viability of some housing projects.