A friend in Casablanca wants to start showing apartments to buyers next month. What official permit does Moroccan law require before an agent can practise?

1. A broker card issued by the Ministry of Housing after an exam
2. A licence from the ANCFCC land registry
3. None: there is no licence, professional card or entry exam for agents
4. Registration with the Chamber of Notaries

A client asks you about draft law 36.17 on the status of real estate agents. What is its situation as of October 2026?

1. Filed in 2014 and sent to the Government's Secretariat General in 2017, but still not adopted
2. Adopted in 2023 and in force since January 2025
3. Withdrawn in 2017 and replaced by a ministerial order
4. Adopted for Casablanca only, as a pilot

If draft law 36.17 were adopted as written, which entry conditions would it set for someone who wants to work as an agent?

1. A university master's degree and a bank guarantee
2. Membership of a regional chamber and a two-year internship
3. Moroccan nationality and a MAD 1,000,000 company capital
4. A clean criminal record plus a Bac+2 diploma or five years of experience

A Spanish broker moves to Tangier and sets up her own agency as manager and shareholder. Does she need an ANAPEC certificate to work in it?

1. Yes, every foreigner working in Morocco needs one
2. No, managers, partners and shareholders are among the exempt categories
3. Only if the agency has more than five staff
4. Yes, unless she pays the agency's business tax in advance

A Rabat agency hires a Belgian agent as an employee. From when does his employment contract take legal effect?

1. From the day both parties sign it
2. From his first day in the office
3. From the date the Ministry of Employment visas it on the TAECHIR platform
4. From the day he receives his residence card

Four foreigners apply for salaried agent jobs in Marrakech. Whose contract can be visaed without the usual ANAPEC certificate?

1. An Italian agent who arrived two years ago
2. A Tunisian national, thanks to a bilateral agreement
3. A British agent with three years of experience in Dubai
4. An American who entered Morocco on a tourist stamp

Coming from Dubai, you look for the Moroccan equivalent of Form A to list a seller's villa. What should you use?

1. The official listing form issued by the Ministry of Housing
2. A form registered online with the ANCFCC
3. Nothing: a verbal agreement is the legal standard
4. A written mandate signed by the seller, since no official form exists

Your buyer and seller agree on a price. Who is NOT allowed to draw up the final sale deed?

1. A notaire
2. The real estate agent
3. Two adouls
4. A notaire based in another Moroccan city

A seller in the old medina shows you a melkia instead of a land title. How does this document prove ownership?

1. Through witness testimony recorded by two adouls, with no central register
2. Through a plan stamped by the municipality
3. Through an entry in the ANCFCC register that is final against everyone
4. Through a notarised bank transfer from the first owner

Which office keeps the titre foncier and records every sale or mortgage on it?

1. The commune's urban planning office
2. The Office des Changes
3. The conservation foncière, part of the ANCFCC
4. The court of first instance

Your buyer likes a house held under melkia and plans to register it after the sale. How long does that registration usually take?

1. About two weeks
2. Three to six months
3. Exactly five years
4. On average 12 to 36 months, depending on region and file

A listing says the plot is covered by a réquisition d'immatriculation. What does that tell you?

1. An application to register the land has been filed but the title is not yet issued
2. The land is final and titled with no pending procedure
3. The land has been seized by a bank
4. The land is classified agricultural and closed to foreigners

Under Morocco's anti-money laundering law 43-05, to which authority does an agent send a suspicious transaction report?

1. Bank Al-Maghrib
2. The Office des Changes
3. The ANRF (Autorité Nationale du Renseignement Financier)
4. The local police station

Which duty does Housing Ministry Order 133.23, in force since January 2023, place on real estate agents?

1. Paying a yearly AML fee of MAD 5,000
2. Reporting every deal above MAD 1,000,000 to the police
3. Holding client deposits in a ministry escrow account
4. Refusing to deal with unidentified persons or shell companies, and sending an annual report to the ministry

Example figures: in September 2026 a flat in Rabat sells for MAD 1,200,000. The buyer pays MAD 850,000 by bank transfer and MAD 350,000 in cash, with no bank loan. How much extra registration duty does the cash part trigger?

All four sales below close in October 2026 and include some cash, with no bank loan. Which one is outside the new 2% cash surcharge?

1. A MAD 900,000 flat with MAD 100,000 in cash
2. A MAD 250,000 studio with MAD 50,000 in cash
3. A MAD 2,000,000 villa with MAD 50,000 in cash
4. A MAD 400,000 flat with 10% paid in cash

Your seller lives in Paris and wants his brother to sign the sale in Marrakech under a power of attorney. What has changed since 1 June 2026 (Law 31.18)?

1. The power of attorney must first be registered at the court of first instance, or it is void for the sale
2. Powers of attorney are no longer accepted for property sales
3. The power of attorney only needs to be stamped by the agent
4. Only a power of attorney signed at the Moroccan consulate is valid, with no further step

Example figures: your buyer purchases a resale apartment in Casablanca for MAD 1,500,000. How much registration duty does he pay at the standard rate for built property?

Example figures: a single titled flat in Rabat sells for MAD 2,000,000. What land registry (conservation foncière) fee does the buyer pay?

Example figures: an investor sells a rented flat (not his main home) in Tangier for MAD 1,900,000. After deducting the purchase price and allowable costs, his net gain is MAD 100,000. How much property gains tax (TPI) does he pay?

A French client wants to buy a farm with orchards outside Marrakech to grow olives. What should you tell him?

1. Foreigners can buy any land with no conditions
2. He can buy it once he holds a residence card
3. Agricultural land is generally closed to foreigners, unlike flats and villas
4. He only needs a notaire to confirm he paid in foreign currency

A German buyer asks if he will be able to send the money back home when he resells his Marrakech riad. What is the key condition?

1. He must keep the riad for at least ten years
2. He must reinvest half of the proceeds in Morocco
3. Transfers abroad are never allowed for foreign owners
4. The purchase must have been financed in foreign currency, with proof kept alongside the sale deed and tax receipt