The overall outstanding bank loan in Morocco at the end of January last year was 1,134.7 billion ah and thus resulted in an increase of 4.1 % compared to the previous year, as Bank al-Maghrib (BAM).
This sum for non -financial agents and 188.6 billion for financial agents between 946.1 billion is divided for non -financial agents.
The credits, which were granted private companies, rose by 1.2 %, supported by an improvement of 8.4 % of the equipment against equipment and 7.5 % for real estate promotion, while the cash institutions decreased by 3.3 %.
For the T4-2024, BAM signals a stroll of the granting criteria for cash and equipment credits, while hardening for those who relate to real estate funding.
In addition, credit demand for all business categories has increased. According to 75 % of the manufacturers, access to financing is considered ānormalā, while 16 % find it ādifficultā.
The rates of new credits are slightly withdrawn and reached 5.26 %. Household loans recorded an annual growth of 2 %, especially thanks to residential and consumer loans.
After all, crowdfunding for housing has also increased and reaches 25.1 billion dirham, with relaxed criteria for apartment and consumption loans as well as an increase in these two areas.
