Villa valuation in Morocco
Anfa, Souissi, Palmeraie, Achakar

The villa is an asset where value drivers are multiple — built surface AND plot surface, specific features (pool, garden), view, situation. RICS methodology articulates comparison and residual methods.

1. Methodology — comparison + residual

The comparison method (VPS 5) is central for villas in active markets. May be complemented by the residual method (VPGA 10) when the plot represents a significant share of value, to consistently allocate land/built decomposition.

2. Key adjustments

• Built + plot surfaces — two distinct variables to value separately.
• Levels (G, G+1, G+2) and internal layout.
• Specific features: pool (covered/uncovered), hammam, landscaped garden, outbuildings, tennis court.
• Finish quality: marble, parquet, equipped kitchen, AC, home automation.
• View and exposure — sea, ocean, golf, city, garden; south exposure preferred.
• Premium gated vs isolated villa — security and services premium.
• Access and servicing — full connection, quality access road.

3. Legal verifications

• Land title (TF) + recent ANCFCC certificate.
• Urban planning compliance — building permit, conformity certificate, possible extensions (mezzanine, enclosed terrace, added floor).
• Subdivision rules if applicable.
• Specific authorisations — pool, fence height, gate widening.
• Easements — right of way, view, height, transport lines.
• Connections — water, electricity, sewage, gas, fibre.

4. Recognised uses

• Mortgage lending — bank financing (often substantial amounts).
• Inheritance and donation — value-setting among heirs.
• Divorce and matrimonial liquidation — contradictory quantification.
• Pre-purchase / buyer side — particularly useful given financial stakes.
• Financial reporting — for corporate holders (IFRS 13).
• Indivision exit — neutral among co-owners.

5. MRE specifics — remote valuation

Fully remote for MRE: online mandate, on-site organisation by the firm (concierge or family, physical inspection, geo-tagged photos inside/outside, document verification). Delivery within 5-8 working days, electronic signature.