Areṭṭal i umdan s lɛaqa di Lezzayer: asexelleṣ n lḥaǧat n tidet

Areṭṭal i umdan s lɛaqa di Lezzayer: tazwara

Ulac lbanka tazzayrit i yezmren s lqanun ad tagi afaylu ɣef ssebba n lɛaqa kan, ulac daɣen areṭṭal i umdan s lɛaqa yesɛan isem-a deg tfelwiyin n ssuma. Asenqed yettwali tazmert n tuɣalin n yidrimen d tezmert n ttamin n ukridi. D aḥric-a wis sin, ugar n umezwaru, i d-yettawin uguren deg tilawt.

Takarḍa n lɛaqa d tmlilt-is

Tettwafk sɣur tanmahelt n tigawt tanmettit n lwilaya deffir n tesqamut tasujjit, takarḍa n umdan s lɛaqa teldi tawwurt ɣer yizerfan inmettiyen. Mačči d abeggen n lmedxul, maca tezmer ad tenfeɛ i usfehem n waddad, i usuter n uheyyi n usnubeg neɣ i useqdec n ubrid yettwaḥerzen deg wahil n tallalt.

Lmedxul yettwaṭṭfen

Axeddam yesɛan lɛaqa i yellan deg uxeddim ad d-yefk akaɣeḍ n uxeddim d tesmekta n lexlaṣ, am yal axeddam. Amdan yettawin tasnuṭrit n lɛaqa n CNAS neɣ tasnuṭrit n lmeɛceṛ ad d-yefk akaɣeḍ n tsnuṭrit d yisemktan n usersi. Tallalin n tifrat i yettwafken ɣef lɛaqa drus i tent-ṭṭfent, acku ssuma-nsent d tamecṭuḥt, teqqen ɣer tegtiyin n tedbelt.

Anwi lḥwayeǧ ara yeččar uṛeṭṭal i umdan s lɛaqa?

Lɛaqa d-tettawi lxesṛat ur nettaf ara deg tdrimt tamagnut. Asemmi-nsent s telqay ad iɛiwen ad tferneḍ allal iṣeḥḥan.

Tikli d tkeṛṛust

Takeṛṛust s tbewwaḍt tawurmant, anagraw n usenqed ɣef uṛekkab neɣ ttebla n unekcum i tkersit n yiḍudan ttarnin ssuma ɣef tmudemt tamagnut. Akridi n tkeṛṛust neɣ ijara n tkeṛṛust ad yeččar takeṛṛust; uheyyi, i yettwaxedmen deg twerkect tamaẓlayt, ilaq ad yili deg tfaturt pro forma akken ad yettwaxelleṣ yid-s. Tifaṛ n tbezrin neɣ n tdiwanin i yeqqnen ɣer lɛaqa ilaq ad ttwasneqdent ɣer tnezduɣin i ten-yeɛnan, ur ilaq ara ad ttwarǧunt kan.

Axxam yettwaheyyan

Asemɣer n tewwurt, abeddel n tbanyut s ddučč deg yiwen n uswir, asbeddi n tgemmart n ufus neɣ n umsali n yiseddaren: ixeddimen-a zemren ad kecmen deg ukridi n yixeddimen neɣ deg usexelleṣ n uxxam, ma yella lbanka teqbel adevis n tkebbanit. I twacult ara yaɣen, afran n uxxam n wadda neɣ n tqiccert s usensur seg tazwara, s tuget ifessus ugar n ubeddel n uxxam ur nemmezg.

Ibenkan n tujjya d tetiknikt

Takersit n yiḍudan s trisiti, allal n tmesliwt s tɣara tameqqrant neɣ aseɣẓan n tɣuri n ugdil ur ttuɣalen ara yal tikkelt s lekmal sɣur CNAS. Amur i d-yeqqimen yezmer ad yettwaxelleṣ s uṛeṭṭal n lxedmat tinmettiyin n bab n uxeddim, i yeleqqen ugar n ukridi n lbanka, neɣ s uṛeṭṭal n usečči mi ara yili yibenk yettwaxdem di Lezzayer.

Ttamin n umerṭal, tanqiḍt tuḥrict n ufaylu

Ugar n yikridiyen qqnen ɣer ttamin n tmettant d lɛaqa. Bab n ttamin yezmer ad yessuter isteqsiyen ɣef tdawsa, ula d asekyed n umejjay. Kraḍ n tmuɣliwin i yezmren ad d-ilint: aqbal s tiwtilin timagnutin, aqbal s tmerna n ssuma neɣ s tukksa n kra n lmexṭar, tigtin. Taɣuri n umnir-nneɣ ɣef ttamin n umerṭal ad k-teǧǧ ad theyyiḍ imeslayen-a.

• Err ɣef yisteqsiyen s tidet: asreḥ n tkerkas yezmer ad yekkes ttamin di lweqt anda ilaq.
• Suter s tira ssebba n tmerna n ssuma neɣ n tukksa.
• Sumer ḍḍmana-nniḍen ma yella ttamin yugi: ṭṭmen n yiwen seg twacult, rrehn, aṭṭaf n yidrimen yettwasersen.
• Sɛedd ssuma s lekmal n ttamin ɣef tenzagt meṛṛa, mačči lqesṭ n waggur kan.

Azmal, anekcum d usemsel

Amdan yewɛeren fell-as uḥerrek yezmer ad yessuter ad t-qeblen deg tnezduɣt n lbanka i ɣer yezmer ad yekcem neɣ deg tneɣrit n wadda. Ma yella ur yezmir ara ad yeddu, tawkilt yettwaxedmen zdat n unuṭir ad teǧǧ yiwen seg twacult ad yesmel amerṭal deg tikliwin i d-yettwabedren deg uzmul. Anuṭir yezmer, deg kra n tegnatin, ad d-yas ɣer uxxam.

Tiwtilin n uḥraz n lqanun

Mi ara yili umdan ddaw n uḥraz n lqanun s tegtin n lḥakem, tagtin-a ad d-tini anwa i yezmren ad yerr ayla-s deg ttlaba. Lbanka ad tessuter tanɣelt n uḥkam, ma d kra n tigawin ḥwaǧent tasiregt tamaẓlayt n lḥakem. Ur ilaq ara yakk ad teǧǧeḍ amdan yesɛan tazmert yettwaḥebsen ad yezmel lɛeqd war aqader n yilugan-a: azmul yezmer ad yettwakkes.

Lɛaqa n walaɣ neɣ n tmesliwt

Amerṭal ur nettwali ara akken iwata yezmer ad yessuter ad as-ɣren lɛeqd zdat n yiwen n unagi i yefren, neɣ ad yawi akaɣeḍ uqbel akken ad as-t-yeɣṛ useɣẓan. Amdan aɛeẓẓug yezmer ad yeddu d umsuqqel n tutlayt n yiẓmilen. Iheyyiten-a mačči d lmeziyya: ṭṭmenen aqbal s tmusni.

Areṭṭal i umdan s lɛaqa ara yesnulfun armud

ANGEM d ANADE ḥesbent imdanen s lɛaqa deg wid i ttemmuqulent i usnulfu n urmud. Tanezduɣt tamecṭuḥt n uṣeggem n tiliɣri, tawerkect n uslugen n yidlisen neɣ armud n tira s uselkim deg uxxam d imedyaten n yisenfaren yemmezgen d waṭas n tɣawsiwin n lɛaqa. Afaylu yesɛa adevis, akaɣeḍ n tmusni, d, s wakken yella ubrid, takarḍa n lɛaqa. Abrid n umikrukridi yettwafeṣṣel deg usebter-nneɣ i yettwaxedmen i waya.

Tuccḍiwin ara tesnesreḍ d tallalt n twacult

Amerṭal wis sin neɣ ṭṭmen n twacult

Mi ara yeqbel gma-s, mmi-s neɣ amsizwej yesɛan lexlaṣ ad yekcem deg ufaylu, lbanka ad tesdukkel lmedxul neɣ ad tawi ḍḍmana-nniḍen. Aṭas n tikkal d ayagi i yesseḥqaqen akridi i tkeṛṛust yettwaheyyan. Maca ilaq amdan-a ad yefhem belli ad yexelleṣ deg umḍiq n umerṭal ma yella lqesṭ ur yettwaxelṣen ara, d akken tazmert-is n uṛeṭṭal deg uzekka ad tenqes.

Ifexxen yettuɣalen

• Aǧǧu n wayeḍ ad yesferk weḥd-s amiḍan anda tettɛeddi tsnuṭrit, war ma yeɣṛa bab-is isemktan.
• Tuffra n yiwen n waṭan deg yisteqsiyen n tdawsa akken ur tettnerni ssuma n ttamin.
• Aḍfar n ulɣu i d-yettwaɛaden « akridi amaẓlay i wid yesɛan lɛaqa » s lxesṛat ara yettwaxelṣen uqbel: ulac tasuddest tameɣṭalt i yexdmen akka.
• Asexelleṣ s ukridi n yibenk i yezmer ad t-teččar CNAS, s lekmal neɣ s umur, deffir tsekkirt n umejjay.

Amedya i usfehem: aheyyi n texxamt n usired

Amedya i usfehem s ssumat timedwaren, ur yeqqin ara ɣer tefrat n lbanka:

• Adevis n tkebbanit: 360 000 DA (ddučč deg yiwen n uswir, tigemmarin n ufus, tawwurt tettwasemɣer).
• Idrimen yettwasmennan i yettwasqedcen: 60 000 DA; ssuma ara yettwaxelṣen: 300 000 DA.
• Tuɣalin ɣef 24 n wagguren s ssuma s lekmal yettwarǧan n 24 000 DA: 324 000 ÷ 24 = 13 500 DA i waggur.

S tsnuṭrit n lɛaqa n 45 000 DA, lqesṭ-a yečča yakan 30 % n lmedxul. Asɣezzef n tenzagt neɣ asenqes n udevis ɣer yixeddimen yezwaren yezmer ad yili d ilaq. Areṭṭal i umdan s lɛaqa di Lezzayer ilaq ad yeǧǧ tallunt i tujjya ur nettuɣalen ara, i yettɛekkiren s tuget ugar n wayen i nettwali.

Abrid-nniḍen d aseḍru n yixeddimen s tseddarin: ddučč d tgemmarin n ufus deg useggas amezwaru, tawwurt tettwasemɣer deffir, s yidrimen yettwasmennan i d-yuɣalen gar-asent. Ma yella aḥric-a amezwaru yesɛa 240 000 DA, idrimen n 60 000 DA ad ssenqsen ssuma yettwarṭlen ɣer 180 000 DA, lqesṭ ad yuɣal yettwaḥmal ugar. Abrid-a s tseddarin s tuget d win yifen mi ara yeqqen lmedxul ɣer yiwet n tsnuṭrit kan.

Isteqsiyen yettuɣalen