Consumer credit

We help you finance the different events in your young professional life, under advantageous conditions:
• Your housing: primary or secondary (new or old) or construction (with or without land purchase), through the Young Professional Mortgage Loan
• Any other event in your life: furnishing your home, buying furniture, getting married...

You can finance your studies in Morocco or abroad through our wide range of dedicated loans with adapted repayment terms.
In addition to financing the tuition fees of the institution you wish to enroll in abroad, the "Study Abroad" credit allows you to even finance the living expenses and other related expenses.

You have the possibility to use the flexibility options offered by BANK OF AFRICA, both for mortgage loans and consumer credit. These options allow you to act on your loans independently, in the branch or through your personal space BMCE Direct.
They include:

As a retiree, you have the possibility to subscribe to consumer credit.

Indeed, you have the right of withdrawal. Your request, written, dated, and signed by you, can be submitted within a period of 7 days, starting from the signing of the loan offer. It allows you to renounce your credit without having to justify yourself and without penalty.

It is the act of repaying your loan in advance, before its end, either in full or partially, at your request, at any time during the life of the loan. These early repayments will be made without penalties for consumer credit.

Generally, it represents between 45% and 50% of your income. However, the bank reserves the right to apply a lower debt ratio (depending on the client's profile) and may exceed the 50% threshold set in certain cases.

It is the portion of your income that you dedicate to repaying your loans, all combined. It is important to consider all your loans (consumer credit, mortgage, auto loan, etc.).

Consumer credit allows you to finance all types of expenses related to important moments: renovation work, a wedding project, a trip, or an unexpected event. It can be taken out online on the website www.creditdaba.ma or in one of our BANK OF AFRICA branches.