A home for every stage of life !
TAMWILCOM helps households achieve homeownership by offering guarantee schemes tailored to different financial profiles. These programmes support the purchase, construction or renovation of housing while making homeownership more accessible to middle-income families, households with modest incomes and Moroccans living abroad.Through Fogarim, Fogaloge and Adl Sakan, TAMWILCOM plays an active role in expanding access to housing, guided by a commitment to inclusion and sustainable development.
OPENING THE DOOR TO HOMEOWNERSHIP FOR MODEST-INCOME HOUSEHOLDS
A guaranteed solution designed to unlock access to housing finance for populations with modest or irregular incomes, by covering mortgage loans.
Eligible beneficiaries: Moroccan nationals engaged in an income-generating activity, not registered with the CNSS, and without access to conventional financing channels.
Key advantage: Broader access to housing credit through a high guarantee coverage ratio.
SUPPORTING HOMEOWNERSHIP FOR MAGISTRATES AND JUSTICE OFFICIALS
A housing finance support solution built on an interest rebate mechanism on mortgage loans, designed for members of the Mohammedia Foundation for the Social Works of Magistrates and Justice Officials, to finance the purchase or construction of their primary residence.
Eligible beneficiaries: Members of the Mohammedia Foundation for the Social Works of Magistrates and Justice Officials, who do not already own a primary residence (cases of joint ownership are eligible), and who hold a valid approval letter from the Foundation.
Key advantage: A significant reduction in the cost of housing credit through full or partial coverage of the interest.
HELPING THE MIDDLE CLASS AND THE DIASPORA ACHIEVE HOMEOWNERSHIP
A guaranteed solution designed to support the purchase or construction of a home or land, for the benefit of middle-class households and Moroccans residing abroad.
Eligible beneficiaries: Moroccan nationals employed in the public sector, private sector employees registered with the CNSS, self-employed workers, and Moroccans residing abroad.
Key advantage: Tailored guarantee coverage that can finance up to the full cost of the property project.
