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Akridi deg Chlef: isellafen yenfɛen deg uɣezzu n Cheliff
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Akridi deg Chlef: isellafen yenfɛen deg uɣezzu n Cheliff

Asuter n ukridi deg Chlef, s waṭas d asellef n lebni deg twilayt i yettwacerḍen s uɣilif n zzelzla, n tfellaḥt deg uzaɣar n Cheliff neɣ n urmud n tnezzut gar Lezzayer d Wehran. Tibankiyin tizuyaz ttḍebbiqent dinna tiwtilin-nsent tiɣelnawin; amnir-a yesskan amek ara temṣadaḍ afaris d dossier d tegnatin-a tidiganin.

Aɣezzu n Cheliff: tafellaḥt, amlilli n yiberdan d yiftan

Tawilayt n Chlef tettemmed seg uzaɣar yesɛan lxiṛ i yettɛeddi yiwen n wasif aɣezzfan ugar di Lezzayer alamma d yiftan n Ténès. Tafellaḥt dinna tesɛa amkan agejdan — ččina, tibḥirt, imendi, aqraḍ — yerna tinduṣrit n yiɣawasen n lebni, ladɣa asmenti, teṭṭef aḍar. Amkan-is ɣef ubrid azerbaz Sammar-Utaram, deg wammas gar Lezzayer d Wehran, yessishil tanezzut s lǧumla, asiweḍ d ulujistik.

I ubankaṛ, tadamsa-a tettuɣal d tlata n twaculin timeqqranin n yidussiyen: ixxamen n twaculin, ikriḍiyen n tfellaḥt d yisellafen n tkebbaniyin timeẓyanin n tnezzut, n usiweḍ neɣ n lebni.

Lebni deg Chlef: ilugan mgal zzelzla d ssuma n tidet

Asmekti n zzelzla n El Asnam n 1980 mazal-it yedder, yerna tawilayt tettwacerḍ gar temnaḍin n zzelzla tameqqrant. Yal lebni yettwasellfen s ukridi deg Chlef ilaq ad yeḍfer ilugan izzayriyen mgal zzelzla, ayen yesɛan amḍiq usrid ɣef usellef.

Ayen ibeddlen deg dossier

Ssuma-a tamernant mačči d lexṣara: axxam yemṣadan yettḥrez azal-is yerna yessishil tira n urahen. Mgal n waya, asemɣer yettwaxedmen war turagt neɣ tazrawt s waṭas yettqellid asellef n yixeddimen ara d-yasen neɣ azenzi n wexxam s ukridi. Amnir-nneɣ n ukridi n lebni n wexxam yessegzay-d tuffɣa n yidrimen s yiḥricen.

Abeddel n chalet yettwaheggan

Ifḍan n twaculin dedren aṭas n wakud deg chalets i yettwasbedden deffir 1980. Tidbelin ssebddent ihegginen n ubeddel-nsen s lebni yeǧhden, i yesdukklen iɛiwnen izuyaz d, ma yella, asellef n tbanka. Ma yella tettwaḥsabeḍ, sdukkel tagzemt n uɛiwen, lɛeqd neɣ aqarar i yesseggmen akal d turagt n lebni: tabanka tezmer dɣa ad tsellef aḥric ur yettwaṭṭfen ara s uɛiwen, ɣef tiwtilin-is.

Akridi deg Chlef i waɣ n wexxam

Ihegginen AADL, LPP d LPA n twilayt rzan ugar tamdint tamaneɣt d tɣiwanin timeqqranin am Ténès, Oued Fodda neɣ Boukadir. Deg tegnit-a, akridi yettsellif aḥric n ssuma ɣef win yuran isem-is, yettwaxellsen ɣef uwitay n uheggi.

I waɣ n uxxam aqbur, suter seg umenzu lɛeqd n lmuwetteq yettwasuffɣen d, ma yezmer, tawriqt n umṣada. Alexpir n tbanka ad iqeyyem azal n wexxam s uḥsab n useggas d tarrayt n lebni: lɛemmaṛa yettwabnan uqbel ilugan n tura tezmer ad tettwaqeyyem s leḥder ugar. Amnir n ukridi n wexxam di Lezzayer yessegzay-d aḥric yettwasellfen d lmeṣṣaref.

Amedya i usegzi: asellef n uḥric i d-yeqqimen n lebni yettwaɛawnen

AferdisAzal
Ssuma tummidt n wexxam ɣef udevi6 000 000 DA
Aɛiwen azuyaz yettwawin (azal n tirga i umedya)1 000 000 DA
Asekles n twacult1 000 000 DA
Akridi ara yettwasutren4 000 000 DA
Aqerru yettwarren yal ayyur deg 20 n yiseggasen (4 000 000 ÷ 240)azal n 16 700 DA

Lfayda, ttamin n umerḍil d ttamin n twaɣit n ugama ad rnun ɣef wazal-a. Azal n tidet n yiɛiwnen yeqqen ɣer uheggi d tezmert-ik ad tkecmeḍ: steqsi iqeddacen n uzeṭṭa n twilayt.

Tafellaḥt n Cheliff: ččina, tibḥirt d usswi

Azaɣar n Cheliff yeqqen aṭas ɣer usswi d yibeḥriyen n temnaḍt; tallitin n laẓ n waman rrant asekles n waman d amezwaru. Isegrewen i yettwasellfen ugar d goutte-à-goutte, ibassinen, abeddel n tbeḥḥirin n ččina, tizeqqa n plastik n tebḥirt d yibenkan n tfellaḥt.

Fren anagraw yelhan

Akridi n tallit yettṭṭef ssmenyifen n yiwen n unnuḍ n ufares yerna yettwarr deffir tmegra; akridi n usegrew yettsellif ibenkan yettdumun. BADR d tin agejdan i yifarisen-a d yinagrawen iɣelnawen yettwaɛawnen, wid ilaq ad ttwasenqden tiwtilin-nsen deg wakud n usuter. Imeksawen n wulli d yizgaren zemren ad d-sken amḍan n lmal-nsen i d-xedmen yiqeddacen n tsenbeɣt n yiɣersiwen. I tmuɣli tamatut, ẓer asebter akridi n tfellaḥt i tbeḥḥirt.

Tiwriqin n ufellaḥ

Takarḍa n ufellaḥ n texxamt n tfellaḥt, lɛeqd n tfellaḥt (lɛeqd, asenzi neɣ akrar yettwarun), tawriqt n tferka n tfellaḥt, turagt n usuffeɣ n waman ma yella anqab, pro forma n yibenkan. Aṭas n tfellaḥin n uzaɣar kkant-d seg domaines iqburen n tfellaḥt: senqed ma yella lɛeqd-ik n usenzi yettwasseggem.

Tanezzut, asiweḍ d tḥeṛfit ɣef ubrid Sammar-Utaram

Amkan n Chlef yettawi-d imsewqen s lǧumla, ixxamen n yiɣawasen, ixxamen n useggem d yimsiwḍen. Isuturen-nsen n ukridi deg Chlef ddun seg kamyu ar uhangar, s uɛeddi ɣef tedrimt i usellef n usigez n usmenti, n uzzal n lebni neɣ n yifarisen n tfellaḥt. Akridi n yibenkan, leasing neɣ mourabaha d tiririt i waɣ n yibenkan; découvert neɣ akridi n tallit n tnezzut d tiririt i yisuturen n usigez.

Iḥeṛfiyen n lebni — ibennayen, imsewwyen n uzzal, iplombiyen — ttfaydin seg usuter i d-yettawi uɛawed n lebni d yihegginen n wexxam. S tkarḍa-nsen n uḥeṛfi, ixeṣṣa n lḍṛiba d pro forma, zemren ad sutren akridi n tbanka neɣ inagrawen n ANADE d ANGEM. Amnir akridi i uḥeṛfi azzayri yessegzay-d tifrat-a.

Aṣeggad d turizm ɣef yiftan n Ténès

Iftan n twilayt, seg Ténès ar Beni Haoua, sseddaren iṣeggaden iḥeṛfiyen, imsewqen n uslem d tiwkalin n unebgi n unebdu. Aqerru n yiṣeggaden i yebɣan ad yernu amutur i teflukt-is neɣ ad tt-ibeddel ad d-yesken ajerred-is n lebḥer, tiwriqin n teflukt d pro forma n umutur neɣ n tecbakin; tabanka ad teḥseb amgired n tṣeggit. Ma d isenfaṛen n unebgi neɣ n wučči ɣef yiftan, iɣeṛmen-nsen ttemlilen deg unebdu: awitay i yettḥesben kra n tedrimt i tegrest neɣ, ma tqebel tbanka, ixelṣiyen yemgaraden ad yesḥadeṛ uguren n ukellex. I yisuturen-a n wakud awezlan, ẓer asebter-nneɣ akridi n tedrimt n tkebbanit.

Heggi temlilit-ik n ukridi deg Chlef

Tibankiyin tizuyaz tigejdanin — BNA, CPA, BADR, BEA, BDL d CNEP-Banque — sɛant tiwkalin deg temdint tamaneɣt d kra n tdayrin, s usumer aslami yellan deg yisfuyla-nsent usligen. Uqbel temlilit:

  1. Heggi tiwriqin n waddad aɣerfan, tawriqt n twacult, tawriqt n tezdeɣt, tawriqt n uxeddim d yizrawen n lexlaṣ neɣ tiwriqin n urmud.
  2. I usenfaṛ n lebni, awi-d lɛeqd, turagt, iɣawasen d udevi yettwazemlen.
  3. Ḥseb taxelṣiyin-ik n tura d wazal i tzemreḍ s tidet ad terreḍ.
  4. Suter asemmel yettwarun, serwes ma drus snat n tbankiyin ɣef ssuma tummidt.

Akridi deg Chlef yettwaheggan akken iwata d asenfaṛ yemṣadan di tazwara: akal yettwasseggem, iɣawasen yeḍfren ilugan, ifrayen yettwaseḍfaren s tewriqin. Imeɣriyen n utaram n lǧiran zemren daɣen ad ẓren asebter-nneɣ ɣef ukridi deg Mostaganem.

Isteqsiyen yettuɣalen

Ilugan mgal zzelzla ssnernayen azal n ukridi deg Chlef?

Ssnernayen ssuma n lebni, ihi adevi i d-yettwaskanen i tbanka, acku llsas, uzzal d yiseɣlaf meqqren ugar. Ɣer tama-nniḍen, axxam yemṣadan yettwaqeyyem ugar sɣur ulexpir yerna d aḍmanu yelhan ugar. Tabanka tettsellif ɣef yiḥricen-is yettwassnen: ḥseb tazwart yemṣadan d waya d udevi yellan d tidet seg tazwara.

Nezmer ad nreḍḍel akken ad nbeddel chalet s wexxam yeǧhden?

Ih, mi ara yili wakal yettwasseggem yerna turagt n lebni tettwawi. Ma yella aɛiwen azuyaz yettwafka deg uɣbalu n yihegginen n ubeddel, tabanka tezmer ad tsellef aḥric i d-yeqqimen ɣef tiwtilin-is. Sken-d tagzemt n uɛiwen, lɛeqd neɣ aqarar n wakal, iɣawasen d udevi, rnu tiwriqin n yifrayen-ik.

Anta tabanka i ufellaḥ n uzaɣar n Cheliff?

BADR d tabanka tamenzut n tfellaḥt yerna tettak-d inagrawen iɣelnawen n ukridi n tallit d usegrew. Tibankiyin-nniḍen tizuyaz d yisfuyla islamiyen zemren daɣen ad sellfen ibenkan neɣ tawkilt n usenfel. Heggi takarḍa-k n ufellaḥ, lɛeqd-ik n tfellaḥt d tewriqt n yiqeddacen n tfellaḥt uqbel ad tawiḍ temlilit.

Axxam yettwabnan war turagt yezmer ad yili d aḍmanu?

S uɛekkiẓ. War turagt d tewriqt n umṣada, tabanka ur tezmir ara ad teqqim akken iwata axxam neɣ ad teḥrez arahen-is, yerna aṭas n tbankiyin ttagint. Tifrat tettɛeddi s useggem n tedbelt n lebni ɣer APC d yiqeddacen n uɛmar, tikli ilaq ad tekfu uqbel ad tefkeḍ asuter n ukridi.

Tisuddas n wereḍḍal ara testeqsiḍ

CPA — Tabrid (chambres froides)Tabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Asmuddu s 90 % (150 M DA s wugar, 10 n yiseggasen) i texxamin n usemmeḍ seg 300 ar 5 000 m³, s ufmiḍi yettwallen s 100 %.BNA — Crédit agricole bonifiéTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n tallit neɣ n usmussu n tfellaḥt s ufmiḍi yettwallen alamma d 100 %, s tlast n 100 M DA (200 M DA i yimsedduklen).BEA — SalamTabanka tamenḍawt yesɛan asfaylu n tdrimt tineslemt — Asellef Salam seg 3 ar 12 n wayyuren i usmuddu n tuzzyin n ufares n tfellaḥt neɣ n tmesbaɣurt.Fransabank El Djazair — Le crédit immoTabanka tusligt s yirasmalen n berra, yettwasirgen sɣur Banque d'Algérie — Ardal n uxxam n Fransabank El Djazair i yimdanen i yesɣan tanezduɣt.

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Iɣbula unṣiben

Tamaɣlist n Uxxam — tallelt i uxxam n taddartAADL — akraḍ-tanezzut n tnezduɣin