Two years after its launch, Morocco’s direct housing subsidy program, known as Daam Sakane, is entering a phase of in-depth evaluation, the Housing Ministry has announced, as officials look to assess the program’s real effects on households, the property market and the wider economy ahead of its scheduled expiry in 2028.
Launched in January 2024, Daam Sakane marked a break from Morocco’s earlier approach of subsidizing property developers indirectly, instead paying assistance directly to citizens seeking to buy a primary residence, with more than 105,000 people having benefited so far, including a large share of young buyers, according to figures previously cited by the Housing Ministry.
The evaluation is designed to be comprehensive, assessing not only how far the program has met its stated objectives but also its broader economic footprint, including its effect on real estate investment, job creation across the property value chain, and whether it has genuinely improved housing affordability and directed buyers toward decent, well-located homes.
Reviewers will also examine the program from an institutional angle, scrutinizing the efficiency of its operational, financial and procedural mechanisms, along with the performance of the digital platform that serves as the main point of contact between the state and applicants, in order to identify what has worked well and what has held the program back.
Beyond a retrospective assessment, the evaluation carries a forward-looking mandate: informing whether the program should be extended past 2028, weighing its financial sustainability, its socioeconomic impact and its coherence with Morocco’s wider housing and territorial development policies, with conclusions expected to directly shape government decisions on whether to maintain, adjust or redirect the initiative.
