D acu-t uselhu-a?
Deg finance islamique ilaq ad nettwassen kontrat s tidet: anwa i yesɛan ayla d wamek tettwaḥsab marge neɣ loyer. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Simulation online mačči d lqebul n uselhu.
Asenqed n ufaylu
I «Asenqed n ufaylu», Asebter unṣib d CPA – e-Tamwil d imukan i ilaq ad tettwaliḍ uqbel asuter; aya ad k-yeǧǧ ad tesmenyifeḍ talɣut i d-yettwanan ɣef Banques islamiques deg Lezzayer.
Aḥraz seg ttḥila
Mensualité kan ur teffiɣ ara i usenqed; ilaq ad tettwaḥseb tadrimt tummidt ara yettwaxedmen. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Ilaq ad nettwassen ma aferdis mazal yeldi deg wass n usuter.
Isemliyen ilaqen
Senqed ma aferdis mazal yeldi s tidet acku tiwtilin zemrent ad beddlen neɣ ad yeḥbes usumer. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Iɣbula n talɣut ilaq ad ilin zemzen yerna ttwasnen.
Lkelfa d lmasarif
Kontrat i d amekti n wazal, akud, frais d ḍmana; publicité ur t-teṭṭef ara deg umḍiq-is. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Tiwtilin s tira n umselhu i d amekti uqbel reklama.
Tadrimt tamezwarut
Deg finance islamique ilaq ad nettwassen kontrat s tidet: anwa i yesɛan ayla d wamek tettwaḥsab marge neɣ loyer. Budjet ilaq ad yeǧǧ amkan i yisurifen ur nettwaṛǧi ara.
Ɣer aqerḍas
Deg finance islamique ilaq ad nettwassen kontrat s tidet: anwa i yesɛan ayla d wamek tettwaḥsab marge neɣ loyer. Lqrar n taggara d win n umselhu seld asenqed n ufaylu.
Asnemhel n tibanka
Mensualité kan ur teffiɣ ara i usenqed; ilaq ad tettwaḥseb tadrimt tummidt ara yettwaxedmen. Budjet ilaq ad yeǧǧ amkan i yisurifen ur nettwaṛǧi ara.
Ḍmana i yezmer ad tettusuter
Ḍmana ilaq ad temṣada d uselhu yerna ad tettwassen melmi ara tfakk. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Azal yettwasutren ilaq ad icudd ɣer usurif i yettwasenqed.
Melmi ur ilaq ara uselhu?
Ḍmana ilaq ad temṣada d uselhu yerna ad tettwassen melmi ara tfakk. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Yelha ad neḥrez anɣel azemzan n tiwtilin i nesseqdec deg usnemhel.
Fren s leɛqel
Afaylu ilaq ad yesken tamagit, idrimen d yiswi n uselhu s yisemliyen i nezmer ad nesneqed. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Ilaq ad nettwassen ma aferdis mazal yeldi deg wass n usuter.
Senqed tiwtilin
Tazmert n ussuli tettwaḥsab seld leɛtab yellan, yerna mensualité ilaq ad teǧǧ amkan i yisurifen n yal ass. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Leɛtab yellan ilaq ad yettwaḥseb uqbel dduyn amaynut.
Akud n ussuli
Asɣar, leqdic, stock neɣ trésorerie ur sɛin ara yiwen n uferdis neɣ yiwen n wakud. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Leɛtab yellan ilaq ad yettwaḥseb uqbel dduyn amaynut.
Ma yella ulac asali
Asɣar, leqdic, stock neɣ trésorerie ur sɛin ara yiwen n uferdis neɣ yiwen n wakud. Kontrat ilaq ad yesken frais n retard neɣ tiririt uqbel taggara.
Amek banka tessemras tazmert n ussuli?
Deg finance islamique ilaq ad nettwassen kontrat s tidet: anwa i yesɛan ayla d wamek tettwaḥsab marge neɣ loyer. Accord de principe mačči d offre contractuelle n taggara.
Asuter deg agence neɣ online
Mourabaha, Ijara, Salam d Moucharaka ur sɛin ara yiwet n tɣessa; senqed kontrat mačči isem kan. Budjet ilaq ad yeǧǧ amkan i yisurifen ur nettwaṛǧi ara.
Tiririt uqbel
Deg finance islamique ilaq ad nettwassen kontrat s tidet: anwa i yesɛan ayla d wamek tettwaḥsab marge neɣ loyer. Tifrat tamezwarut d ayen i d-yettwabeyyinen deg kontrat, facture neɣ tarification unṣibt.
Ussuli yal aggur
Iswi n tedrimt ilaq ad yili ibanen yerna yesɛa facture, devis neɣ aqerḍas. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Tansa n umselhu ilaq ad tettwasenqed deg ubrid unṣib.
Idrimen i d-keččmen
Asnemhel yelhan yesɛa yiwen n wazal d yiwen n wakud i yisumar akk; simulation mačči d lqebul n banka. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Frais nniḍen ilaq ad ttwaḥesben deg lkelfa tummidt n usenfar.
Azal i iwatan
Kontrat i d amekti n wazal, akud, frais d ḍmana; publicité ur t-teṭṭef ara deg umḍiq-is. Iɣbula n talɣut ilaq ad ilin zemzen yerna ttwasnen.
Aseǧhed n ufaylu
Kontrat i d amekti n wazal, akud, frais d ḍmana; publicité ur t-teṭṭef ara deg umḍiq-is. Aḥsab ilaq ad yettwales ma ibeddel wazal, wakud neɣ revenu.
Aserreḥ n tedrimt
Iswi n tedrimt ilaq ad yili ibanen yerna yesɛa facture, devis neɣ aqerḍas. Tansa n umselhu ilaq ad tettwasenqed deg ubrid unṣib.
Iberdan-nniḍen
Mensualité kan ur teffiɣ ara i usenqed; ilaq ad tettwaḥseb tadrimt tummidt ara yettwaxedmen. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Budjet ilaq ad yesdukkel isurifen-nniḍen ur nettwafinancer ara.
Simulation d lqebul
Iswi n tedrimt ilaq ad yili ibanen yerna yesɛa facture, devis neɣ aqerḍas. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Azemz n talɣut ilaq ad yettwasenqed uqbel aseɣẓan n ufaylu. Iɣbula n talɣut ilaq ad ilin zemzen yerna ttwasnen.
Anwa i yezmer ad yessuter?
Lkelfa tummidt tesdukkel taux neɣ marge, frais, assurance d ḍmana. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Revenu yettwaḥesben ilaq ad yettwabeyyen s yisemliyen imaynuten.
Isumar unṣiben i usnemhel
Asenqed n «Isumar unṣiben i usnemhel» deg Banques islamiques deg Lezzayer yessefk ad ibedd ɣef Asebter unṣib; s wakka tzemreḍ ad tferneḍ gar tewtilin i d-yettwaseknen s wudem unṣib.
| Banka | Talɣut | Asaɣ |
|---|---|---|
| Al Salam Bank Algeria | financements conformes à la charia pour particuliers et professionnels | Asebter unṣib |
| Al Salam – financement véhicule | vente à tempérament/financement automobile conforme à la charia | Asebter unṣib |
| CPA – e-Tamwil islamique | Mourabaha, Ijara et financements islamiques accessibles via e-Tamwil | Asebter unṣib |
| Banque d’Algérie – règlement 2020-02 | cadre des opérations de banque relevant de la finance islamique | Asebter unṣib |
| BNA – finance islamique | gamme de financements islamiques de la banque | Asebter unṣib |
Tiɣbula n tibanka i icudden ɣer usentel
I «Tiɣbula n tibanka i icudden ɣer usentel», Asebter unṣib d CPA – e-Tamwil d imukan i ilaq ad tettwaliḍ uqbel asuter; aya ad k-yeǧǧ ad tesmenyifeḍ talɣut i d-yettwanan ɣef Banques islamiques deg Lezzayer.
CPA – e-TamwilAsebter unṣib i usenqed n tewtilin d tulmisin n uselhu i d-yettwabedren.Banque d’Algérie – notes et publicationsAsebter unṣib i usenqed n tewtilin d tulmisin n uselhu i d-yettwabedren.Al Baraka Bank Algérie – Mourabaha autoAsebter unṣib i usenqed n tewtilin d tulmisin n uselhu i d-yettwabedren.BNP Paribas El Djazaïr – consommationAsebter unṣib i usenqed n tewtilin d tulmisin n uselhu i d-yettwabedren.BNA – financementsAsebter unṣib i usenqed n tewtilin d tulmisin n uselhu i d-yettwabedren.