Areḍḍal i Yizzayriyen n beṛṛa: asenfar deg tmurt

Asenfar di Lezzayer mi ara tiliḍ di beṛṛa

Aṭas n Yizzayriyen yettidiren di beṛṛa i yebɣan ad aɣen axxam, ad bnun ɣef wakal n twacult, ad sseggmen axxam aqbur, ad aɣen takeṛṛust neɣ ad bdun tawuri deg tmurt. Tadrimt tezmer ad d-tekk seg tbanka n Lezzayer, seg tbanka n tmurt anda tzedɣeḍ, neɣ seg usekles d wereḍḍal yemxallaḍen. Yal abrid s wuguren-is: ddiviz n lexlaṣ, ḍḍmanat yettwaqbalen, tilin-ik akken ad tezmleḍ, d usiweḍ n yedrimen. Ma tissneḍ-ten seg tazwara, ad teṛwleḍ i yinigen ilmend.

Amnir-nneɣ agejdan, i yettmeslayen ɣef wereḍḍal n uxxam i Yizzayriyen n beṛṛa, yessegzay-d amek ara taɣeḍ neɣ ara tebnuḍ axxam di Lezzayer seg beṛṛa: tibankiwin ara testeqsiḍ, lekwaɣeḍ ara d-tefkeḍ, amkan n unuṭir d tifrat n tdrimt tineslemt am mourabaha. Imniren-nniḍen n tgezmi-a ttmeslayen ɣef tkeṛṛust, lecɣal, axxam LPP, asmures, tibankiwin n Lezzayer di beṛṛa d usiɣzef n tezmert-ik n wereḍḍal.

Akk imniren-nneɣ i Yizzayriyen n beṛṛa

Areṭṭal n uxxam i Uzzayri n lɣerba : lbankat d ubridIh, Azzayri yettidiren di berra yezmer ad yawi areṭṭal akken ad yaɣ axxam di Lezzayer. CPA tesɛa tadamsiwin i lɣerba (aɣ n uxxam ajdid neɣ aqdim, bennu, leqdic) d…Areṭṭal i Ufransis di Lezzayer: taɣlent d usexelleṣAreṭṭal i Ufransis i yebɣan ad yaɣ, ad yebnu neɣ ad yesseḍfer idrimen di Lezzayer yeqqen di tazwara ɣer yiwen n usteqsi: tesɛiḍ ula d taɣlent tazzayrit? Win yesɛan snat…Areṭṭal i uzzayri n lɣerba: afaylu seg tmurt n berraAreṭṭal i uzzayri n lɣerba yettwaseqdac s tuget i tuɣac n uxxam, i lebni ɣef wakal n twacult neɣ i ujerred deg wahil LPP. Tibankiwin n uwanek ttesnalayent ifuyla-a s…Tisbankiwin n Lezzayer deg uɣerbu: inigen d ukridiTisbankiwin n Lezzayer deg uɣerbu drus-it: ulac aẓeṭṭa n tagenceyin n BNA neɣ CPA di Paris, Lyon neɣ Montréal. Azzayri yezdɣen beṛṛa n tmurt yettɛeddi ihi s waṭas s…Akridi n tkerrust i umeɣrib azzayri: tifrat d lewraqAkridi n tkerrust i umeɣrib azzayri yezmer ad yettwabnu s tlata n yiberdan: areṭṭal deg tmurt anda tzedɣeḍ, asuter ɣer lbanka n Lezzayer i yqebblen wid ur nezdiɣ ara di…Akridi n lebni i yinigi azzayri: adossier d yiswirenAzzayri yezdeɣ di Fransa, di Kanada neɣ deg wayeg nniḍen yezmer ad yesmewel lebni n wexxam di Lezzayer, ma yella lbanka tqebel statut-is n non-résident d tewsit n…Akridi n usegmi i yinigi azzayri: amek ara t-tebnuḍAkridi n usegmi i yinigi azzayri drus i yebnan ɣef lbanka weḥd-s: yesdukkul tafka s tedrimt n berra yettwaznen s lḥeqq, tasudawt yettwasnulfan di Lezzayer ara yeṛḍlen, d…Akridi LPP i yinigi azzayri: tiɣin seg berraAkridi LPP i yinigi azzayri yettqeddic i uxelleṣ n wayen d-yeqqimen deg ssuma n uxxam n usnerni azayez yettwaɣen ɣef yiɣawasen (sur plans), mi ara yettwasentem lḥeqq deg…Akridi n yixeddimen i yinigi azzayri: seggem axxam si lebɛidAkridi n yixeddimen i yinigi azzayri yezmer ad d-yekk seg sin n yiɣbula: tasudest tazzayrit yeldin i yimsaɣen yezdeɣ beṛṛa n tmurt, neɣ amerḍil i d-tewwiḍ deg tmurt anda…Mourabaha n uxxam i yinigi azzayri: amnir n tilawtMourabaha n uxxam teǧǧa Azzayri yettidiren deg beṛṛa ad d-yaɣ axxam di Lezzayer: lbanka tettaɣ-d abagi syin tezzenz-it-as s tmarjit yettwabedden zdat akud, ara…Asiḍen n ukridi i yinig azzayri: aḥsab s yisurifenAsiḍen n ukridi i uzzayri yezdeɣ berra yettwag s kraḍ n yisurifen: asnifel n lexlaṣ azeddig yettwaṭṭfen s uṛu neɣ s tedrimt nniḍen s ssuma tunṣibt, syin ad d-tekkseḍ…

Tawekkalt n lqenṣulya d umiḍan s ddiviz

Mačči yal tikkelt i tzemreḍ ad d-tasseḍ i yal amecwar n ufaylu. Tawekkalt i tgeḍ ɣer lqenṣulya n Lezzayer deg tmurt anda tzedɣeḍ tettaǧǧa-k ad tefkeḍ awal i yiwen seg twacult-ik akken ad yezmel kra n lɛuqud, ad d-yawi lekwaɣeḍ neɣ ad iḍfer lecɣal n lebni. Senqed ɣer lqenṣulya d unuṭir talɣa i d-ttsuturen s telqay, acku tawekkalt meqqren mliḥ neɣ yettwarun diri tezmer ad tt-tagi tbanka neɣ tadbelt.

Amiḍan s ddiviz i teldiḍ deg tbanka n Lezzayer d allal agejdan aṭas n tikkal. Yettaǧǧa-k ad d-tremseḍ idrimen i d-yettwaceggεen seg beṛṛa, ad tejmeεḍ ayen ara d-tefkeḍ seg tdrimt-ik, tikwal ula d ad d-terreḍ tixelṣiyin. Ilugan n ubeddel n ddiviz d usiweḍ n yedrimen d Lbanka n Lezzayer i ten-yessbadun, zemren ad beddlen: steqsi ɣef tiwtilin n ubeddel ɣer ddinar, iṣeṛṛfen d yisemliyen n waṣal n yedrimen uqbel ad tebduḍ.

Isemliyen ara theggiḍ

Tabanka n Lezzayer ad tessuter s umata takarḍa n tmagit tazzayrit, takarḍa n ujerred n lqenṣulya neɣ lkaɣeḍ n uzedduɣ di beṛṛa, lekwaɣeḍ imaynuten n lexlaṣ am tiferkiwin n lexlaṣ, lɛeqd n lxedma neɣ tasuturt n tbaǧ, akked yibeddilen n umiḍan n tbanka. I uxxam, rnu lɛeqd neɣ awal n uznuzu, turagt n lebni neɣ tiḥsabin n lecɣal. Ma yella yesra-d, ssuqel isemliyen yettwarun s tutlayt nniḍen.

Yal tasuddest tessbadu tabdart-is d tiwtilin-is, ladɣa ɣef leεmer, iseggasen n lxedma, ayen ara d-tefkeḍ seg tdrimt-ik d wakud ameqqran n wereḍḍal. Uqbel ad tqebleḍ, ssuter simulation yettwarun, serwes ma drus snat n tbankiwin, steqsi-tent ɣef usqam ummid, lasurans n umerḍal d tuɣalin n yedrimen uqbel akud. Imniren-nneɣ ad k-ɛawnen ad theggiḍ timlilin-a, maca d tabanka kan i izemren ad tini ma yella afaylu-k yeqbel.

Isteqsiyen yettuɣalen

Azzayri n beṛṛa yezmer ad yawi areḍḍal n uxxam di Lezzayer?

Ih, aṭas n tbankiwin n Lezzayer ttmuqulent tisuturin n Yizzayriyen yettidiren di beṛṛa, s tiwtilin n yal yiwet: lexlaṣ s yisemliyen, ayen ara d-tefkeḍ seg tdrimt-ik, ḍḍmanat, tikwal amiḍan s ddiviz. Llan yireḍḍalen yaklasikiyen d yineslemen. Amnir-nneɣ ɣef wereḍḍal n uxxam yessegzay-d tikli; senqed yal tikkelt tiwtilin ɣer tbanka.

Ilaq ad iliɣ di Lezzayer akken ad zmleɣ areḍḍal?

Mačči yal amecwar. Tawekkalt i tgeḍ ɣer lqenṣulya n Lezzayer tettaǧǧa aṭas n tikkal yiwen seg twacult-ik ad k-yeṭṭef amkan deg kra n tikli. Maca tabanka neɣ anuṭir zemren ad ssutren ad d-tasseḍ s timmad-ik i kra n lɛuqud. Steqsi zik akken ad theggiḍ inig-ik ɣer tmurt deg wakud ilaqen.

Zemreɣ ad d-rreɣ areḍḍal-iw seg beṛṛa?

Ilmend n tbanka, tuɣalin n yedrimen tezmer ad tili s usiweḍ ɣer umiḍan-ik s ddinar neɣ seg umiḍan s ddiviz. Tarrayt n ubeddel d usiweḍ n yedrimen tettḍafar ilugan n ddiviz n Lbanka n Lezzayer. Steqsi tabanka-k ɣef tifrat yellan, iṣeṛṛfen d wakud uqbel ad tezmleḍ, akken ur tettɛeṭṭileḍ ara deg tixelṣiyin.

Tisuddas n wereḍḍal ara testeqsiḍ

CPA — Logement neuf fini ou en cours (ARE)Tabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Asmuddu n CPA i uɣal n tnezduɣt tamaynut, tfukk neɣ ɣef uɣawas, i tmezdagt n berra.BNP Paribas El Djazaïr — Crédit Immo FormuleTabanka tusligt s yirasmalen n berra, yettwasirgen sɣur Banque d'Algérie — Ardal n uxxam n BNP Paribas akken ad tiliḍ d bab n uxxam, s yisimulaturen Immo Formule d Immo bonifié.Natixis Algérie — Les emprunts particuliersTabanka tusligt s yirasmalen n berra, yettwasirgen sɣur Banque d'Algérie — Ardal Habitat alamma d 80 % ɣef 20 n yiseggasen s ufmiḍi yerkden, VEFA, aseggem, asimeɣ d usali n uxxam.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

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Izzayriyen n beṛṛa: sɣer asenfar di Lezzayer