CIH is Morocco's leading housing finance bank, founded in 1920. A 12-month statement is standard. Salary domiciliation is strongly preferred for approval. Convert to Excel in seconds.
Convert your CIH Bank statementCIH Bank — Crédit Immobilier et Hôtelier, founded in 1920 — is Morocco's leading housing finance bank with the deepest expertise in mortgage underwriting. A mortgage file needs a 12-month statement, more history than a personal loan, so the bank can confirm salary continuity, trace the down payment, and verify existing obligations leave room under the Bank Al-Maghrib (BAM) 40% debt-service cap.
Salary domiciliation in the CIH account — the employer crediting your account directly each month — is strongly preferred for approval, especially for the bank's large civil-servant base under payroll agreements. CIH also participates in the 'Miftah' (formerly Fogarim) low-income housing guarantee scheme. Converting the PDF to Excel before underwriting lets you confirm income consistency, the down payment trail, and that any existing 'Remboursement Crédit Immobilier' is accounted for.
CIH issues a bilingual Arabic-French PDF. Columns are in French: Date, Libellé, Débit (MAD), Crédit (MAD), Solde (MAD). The header carries the RIB. The 'Salaire' credit is the income line; for approval the underwriter wants it domiciled from a recognised employer payroll system across the full 12 months.
An existing 'Remboursement Crédit Immobilier' debit shows a housing loan already in place — the underwriter counts it toward the 40% BAM cap. These narration strings are long and embed the loan reference number, which can be truncated by a generic parser. Kashfbank reconstructs the full string so the loan reference survives for mortgage reconciliation, and reads both French and Arabic text natively.
You want salary continuity over 12 months, salary domiciliation evidence, every existing 'Remboursement' obligation, and the down payment trail.
Bilingual Arabic-French PDF. Column structure similar to Attijariwafa: Date, Libellé, Débit (MAD), Crédit (MAD), Solde (MAD). RIB shown in header. Strong digital channel adoption means most transactions tagged with 'App', 'Web', or 'GAB' channel identifiers. Housing loan instalments ('Remboursement Crédit Immobilier') are common recurring debits. CIH was historically the housing bank before full-service expansion; legacy mortgage customers still dominate older statement cohorts.
| Label | Meaning |
|---|---|
| Remboursement Crédit Immobilier | Housing loan instalment repayment |
| Virement Web | Online banking transfer via CIH web portal |
| Retrait GAB | ATM cash withdrawal |
| Salaire | Salary credit |
| Paiement App | Payment executed via CIH Mobile app |
Rules in Morocco differ — see our country guide
Pull 12 months from CIH Mobile
Open CIH Mobile or the web portal and request a full 12-month statement — the standard period for a CIH mortgage file. The bilingual French-Arabic PDF is read natively by Kashfbank.
Upload and confirm MAD formatting
Drop the PDF into Kashfbank. MAD amounts use two decimal places. Long 'Remboursement Crédit Immobilier' narrations are reconstructed so the embedded loan reference is not truncated.
Trace salary continuity and obligations
Sort by date. Confirm the 'Salaire' credit is domiciled and uninterrupted across all 12 months. Sum existing 'Remboursement' debits against net income for the 40% BAM cap. Confirm the down payment was present well before the application.
Export and prepare your file
Download as Excel or CSV for your own review. The bank wants the original CIH PDF — use the export to confirm the underwriter will see a clean, explainable 12-month history.
Common challenges
How many months does CIH want for a mortgage?
A CIH mortgage file needs a 12-month statement, more than a personal loan, so the bank can confirm salary continuity and trace the down payment. CIH is Morocco's leading housing finance bank with the deepest mortgage underwriting expertise. Kashfbank converts the full set in one session for review.
Does salary domiciliation help mortgage approval at CIH?
Yes. Salary domiciliation in the CIH account — the employer crediting your account directly each month — is strongly preferred for approval, especially for civil servants under payroll agreements. The export lets you confirm the 'Salaire' credit is domiciled and uninterrupted across the full 12 months.
I already have a housing loan with a long 'Remboursement Crédit Immobilier' line. Does the export keep the reference?
Yes. These narration strings are long and embed the loan reference number, which a generic parser can truncate. Kashfbank reconstructs the full string so the loan reference survives — important for mortgage reconciliation and for the underwriter to count the existing obligation against the 40% BAM cap.
What is the Miftah scheme and is it relevant to my CIH mortgage?
Miftah (formerly Fogarim) is a Moroccan low-income housing guarantee scheme that CIH participates in. If you apply under it, the underwriter still needs the 12-month statement showing stable domiciled salary and existing obligations within the 40% BAM cap. The export gives you that view before you apply.
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Statement language: Arabic / English