Overview of Lending Rates
Bank Al-Maghrib has revealed that the overall lending rate has decreased to 4.82% in the fourth quarter of 2025. This marks a significant shift in the financial landscape, reflecting changes in economic conditions.
Breakdown by Loan Type
The rates for various types of loans are as follows: cash facilities are set at 4.58%, equipment loans at 4.95%, mortgage loans at 5.19%, and consumer credit at 6.89%. These figures indicate a diverse range of borrowing costs depending on the purpose of the loan.
Institutional Sector Rates
When examining the rates by institutional sector, personal loans are recorded at 5.69%, while loans to non-financial enterprises stand at 4.72%. This differentiation highlights the varying costs associated with borrowing for individuals versus businesses.
Private Non-Financial Enterprises
For private non-financial enterprises, the lending rate is noted at 4.94%. Within this category, large enterprises are charged a rate of 4.74%, whereas small and medium-sized enterprises (SMEs) face a higher rate of 5.22%. This disparity underscores the challenges SMEs may encounter in accessing affordable financing.
