LPP, axxam yettwazenzen ɣef yiɣawasen i tsekkurt talemmast
Axxam n usnerni azayez (LPP) yebda i yixxamen i yesɛan tadrimt ugar n tlisa n uxxam n tmettiwt d ukraw-azenzi AADL, maca ur zmiren ara ad aɣen s ssuma n ssuq ilelli. Yettwabna ladɣa sɣur ENPI, Tasudawt taɣelnawt n usnerni n wayla n uxxam, yerna yettwazenz s ulugen n uzenzi ɣef yiɣawasen: amaɣ yezmmel ɣer lmuwetteq lɛeqd ara yesbedden ssuma, awitay n yixelṣen d tallit n ufak, syin ad yexelleṣ ɣef leḥsab n ukemmel n leqdic.
Ur yecbi ara AADL, amaɣ yettuɣal d bab n wayla deg taggara n lɛeqd n uzenzi, mačči deg taggara n ukraw aɣezfan. Amgired-a d agejdan i ukridi: LPP yekcem deg tikti n tiɣin n wayla n uxxam tamagnut, yettwasfeǧǧen s tefka d lekra, s tḍmanin ɣef wayla yettwaɣen.
Ayɣer tamsalt-a terza tamezdagt n berra
Aɣawas yettwaskan sɣur yiḍebbalen am win yeldin, s tiwtilin, i Yezzayriyen yezdɣen di berra. I yinigi, d yiwen seg yiberdan drus akken ad yaɣ axxam amaynut ɣer umsnerni azayez. Tiwtilin n tidet n lḥeqq, tadrimt ideg ttwaqbalen yixelṣen d tewraqin yettwasutren ilaq ad ttwasentment ɣer ENPI d yimeẓla n lqunsul send yal tikli.
Anwa ara yesfeǧǧen acu deg ukridi LPP i yinigi azzayri
Tiɣin n LPP seg berra tessuter kraḍ n yimdanen, ur ilaq ara ad mmxalḍen yiswiren-nsen:
- Amsnerni yesbadu ssuma, yessufuɣ isuturen n yidrimen yerna yettak axxam.
- Lmuwetteq yettaru lɛeqd n uzenzi ɣef yiɣawasen, yesneqqad taḍmant n umsnerni ɣer usenduq n uḍman d tḍmant tamsedduklant n usnerni n wayla n uxxam, syin ad yexdem lɛeqd aneggaru.
- Lbanka tesfeǧǧ akk neɣ amur seg ssuma i d-yeqqimen, ma tqebbel amaɣnu n war-anezdaɣ, yerna tettak srid idrimen i umsnerni ɣef leḥsab n uwitay n lɛeqd.
Tikti tamezwarut d ad tebḍuḍ s telqey ayen yettwaxelṣen yakan d wayen d-yeqqimen. Akridi LPP i yinigi azzayri yerza kan ayen d-yeqqimen; adossier ara yessutren ssuma merra ma yella aṭas n yixelṣen yettwaxedmen yakan ur t-yettfehhim ara umesleḍ.
Ayen tettmuqqul lbanka ɣer umaɣ war-anezdaɣ
Mačči d akk tibankiwin i yqebblen ad mmuqlent akridi LPP i yinigi azzayri neɣ yal asuter nniḍen n umsaɣ yettidiren beṛṛa n Lezzayer, yerna tid yettaɣen ḍefrent ilugan-nsent. Ilaq ihi ad tebduḍ s usteqsi-a deg tlemsit, send ad tesdukkleḍ tiwreqin. Asebter-nneɣ ɣef ukridi n wayla n uxxam i yinigi azzayri yesdukkel-d tignatin yettuɣalen ugar.
Tadrimt s uṛu, ttlaba s dinar
Lbanka tettbeddil lexlaṣ n berra ɣer dinar akken ad tektel tazmert n uxelleṣ. Tebɣa ad teẓer lxedma yerkden, s umata lɛeqd n tallit ur nettwaḥedden d tqedmit tekfan, akk d tewraqin n tbaṭ n tmurt n tnezduɣt. Tasuqilt tunṣibt tezmer ad tettwasuter i tewraqin yettwarun s talmanit, s teglizit neɣ s tutlayt nniḍen n berra.
Axelleṣ n tsemkta seg berra
Axelleṣ yettwag ɣef umiḍan yellan di Lezzayer, yettwaččaren s yisiwḍen yettuɣalen. Ilaq ad tsekcmeḍ deg ubudǧi isenfaqen n usiweḍ, ad teǧǧeḍ ɣef umiḍan aṭas n tsemkta send akud, akken aɛeṭṭel n usiweḍ ur d-yettawi ara tasmekta ur nettwaxelleṣ ara.
Tamlilt n umeṛḍal amaruz yezdɣen di tmurt
Ma yella amdakkel n tudert neɣ yiwen seg yimawlan yezdɣen di Lezzayer yesɛa tadrimt yettwaserrisen, ma terniḍ-t ɣer ukridi yezmer ad yesfessus tazrawt. Afran-a yesɛa maca ayen d-yettawi s lqanun ɣef wayla d tmesbult n ttlaba, ilaq ad yettwafru zdat lmuwetteq.
Amedya i usfehem: afak n LPP seg Lyon
Nadia, d tafermlit di Lyon, tettwajerred ɣer LPP deg twilayt n Wehran. Akk ssuma d tugna, am usenfel n 150 DA i 1 €.
| Aferdis | Ssuma |
|---|---|
| Ssuma n uxxam ɣef leḥsab n lɛeqd | 9 000 000 DA |
| Ixelṣen yettwaxedmen yakan | 3 000 000 DA |
| Ayen d-yeqqimen ara yettwasfeǧǧen | 6 000 000 DA |
| Tafka nniḍen yettwaznen: 10 000 € × 150 | 1 500 000 DA |
| Ssuma n ukridi yettwasutren | 4 500 000 DA |
| Aqerru kan deg 15 n yiseggasen (4 500 000 ÷ 180) | 25 000 DA yal ayyur, d azal n 167 € |
I lexlaṣ azeddig n 2 400 € yal ayyur, amur n uqerru d azal n 7 % seg tedrimt, ad as-rnun arbaḥ neɣ lfayda, aḍman d yisenfaqen n usiweḍ. Aɣbel mačči d ssuma, d asdukkel-is d ukraw i txelleṣ di Lyon: lbanka, am Nadia, ilaq ad xemmment ɣef yisenfaqen merra n uxxam di Fransa. Asemmi n ukridi i yinigi ɣef waṭas n tallitin yettɛawan ad tafeḍ tamyugna.
Adossier n ukridi LPP i yinigi azzayri
- Timagit d tnezduɣt: paspuṛ azzayri, takarḍa n lqunsul, lɛeqd n tlalit, tawreqt n twacult, tawreqt n tnezduɣt neɣ taɣelnawt n tmurt ara k-yeqbelen, abeggen n tnezduɣt di berra.
- Tadrimt: lɛeqd n lxedma, tiwreqin n lexlaṣ tineggura, tiwreqin n tbaṭ, tiwreqin n umiḍan n berra ideg yettwaserris lexlaṣ.
- Axxam: aɣtas n ujerred neɣ n ufak amezwaru, lɛeqd n lmuwetteq n uzenzi ɣef yiɣawasen, awitay n umsnerni, tiwreqin n yixelṣen yettwaxedmen yakan.
- Imiḍanen di Lezzayer: tiwreqin n umiḍan ara yeṭṭfen tafka yerna ara yettwasqedcen i tukksa n tsemkta.
- Tawkalt: ma yella umaɣ ur yezmir ara ad d-yas deg yal aswir, yiwen n umdan qrib s twekkalt yettwaxedmen ɣer lqunsul neɣ ɣer lmuwetteq yezmer ad yezmel deg umḍiq-is.
Aheggi n udossier-a send tirza n unebdu ɣer Lezzayer yeǧǧa ad tezmleḍ deg tlemsit d ɣer lmuwetteq deg kra n yimalasen ideg tellaḍ dinna, war ma tesmekteḍ kullec ɣer useggas d-iteddun.
Tifrat nniḍen d tnuqqiḍin n leḥder
Amaɣ ur nebɣi ara ad iṛḍel s lfayda yezmer ad yesteqsi lbanka tislamit neɣ tawwurt yemṣadan: mourabaha n wayla n uxxam i yinigi d lbanka ara yaɣen ayla syin ad t-tezzenz s urbaḥ yettwabdan seg uzmul, ayen yessutren ad yeqbel umsnerni aɣawas-a. Twaculin nniḍen ḥemmlent ad sfeǧǧent akk ayen d-yeqqimen s tedrimt yettwasmenɣsen, axelleṣ deffir uxelleṣ, akken ur sɛant ara ttlaba deg snat n tmura ɣef yiwet n tikkelt.
- Ur xelleḍ ara LPP d AADL: tarrayt n uxelleṣ, ayla d tḍmanin mgaradent, akken i d-yesfehm usebter-nneɣ ɣef ukridi n uxxam AADL.
- Senqed ma yal asuter n yidrimen yemṣada d yiwen n uswir yettwaḥesben deg lɛeqd n uzenzi ɣef yiɣawasen.
- Ḥrez akk tiwreqin n uxelleṣ d ccama n lbanka n yal asiweḍ: ad ilint d timentilin i lɛeqd aneggaru.
- Ḥseb aɛeṭṭel n leqdic, i yettuɣalen deg usnerni n wayla n uxxam: akridi ara yebdun ad yettwaxelleṣ send ufak ad yeẓẓay ugar n wakud ɣef ubudǧi.
- Ḥader yal amsenzay i d-yettwaɛden ad « yessufeɣ » adossier LPP mgal idrimen.
S wawal wezzilen, akridi LPP i yinigi azzayri yettwaheggi deg kraḍ n yiswiren: ad tesentmeḍ lḥeqq-ik deg uɣawas, ad tafeḍ lbanka yettqebbilen war-inezdaɣ, syin ad tesweḍḍeḍ tafka akken ayen d-yeqqimen yettwaṛeḍlen ad yeqqim yezmer ad yettwarfed ula ma yella isenfaqen ssalin di berra. I yisenfaren nniḍen n tmezdagt n berra, ẓer amnir-nneɣ ɣef lekra i yinigi azzayri.
Isteqsiyen yettuɣalen
Azzayri n berra yezmer ad yejred ɣer LPP?
Aɣawas yettwaskan am win yeldin, s tiwtilin, i Yezzayriyen yezdɣen di berra. Ilugan n tilawt, ladɣa tadrimt n yixelṣen, abeggen n tedrimt d tilin ulac ayla send, ilaq ad ttwasentmen ɣer ENPI d yimeẓla n lqunsul. Ur ilaq ara ad txedmeḍ ula d asenfaq neɣ tikli ɣer lbanka send ad tawiḍ asentem-a s tira.
Acu i d amgired gar tiɣin n LPP d uxxam AADL?
LPP d azenzi ɣef yiɣawasen: amaɣ ixelleṣ ssuma ɣef leḥsab n ukemmel n leqdic yerna yettuɣal d bab n wayla deg taggara n lɛeqd. AADL tetteddu s ukraw-azenzi, s wayen d-yeqqimen yettwaḥuddan ɣef tallit teɣzef d lɛeqd n wayla yettwafken deffir uxelleṣ n ssuma merra. I lbanka, LPP yemcabi ihi ugar d ukridi n wayla n uxxam amagnu, s tḍmanin ɣef wayla.
Amek ara txelleṣeḍ akridi LPP ma tettidireḍ di berra?
Tisemkta ttwakksent seg umiḍan yellan di Lezzayer, yettwaččaren s yisiwḍen yettuɣalen seg tmurt n tnezduɣt. D leḥder ad teǧǧeḍ ɣef umiḍan-a aṭas n tsemkta send akud, acku asiweḍ yettɛeṭṭilen yezmer ad d-yawi tasmekta ur nettwaxelleṣ ara. Isenfaqen n usiweḍ d wayen ixeddem usenfel ilaq ad ilin deg ubudǧi seg usemmi.
Ilaq ad d-tasḍ ɣer Lezzayer akken ad tawiḍ akridi LPP?
Aṭas n yizmal ssutren ad tiliḍ neɣ ad yili win ara k-yemmeslen: alday n umiḍan, lɛeqd n lekra, lɛeqd n lmuwetteq. Tawkalt yettwarun s telqey ɣer lqunsul neɣ ɣer lmuwetteq tettak tasiregt i yiwen n umdan qrib ad yexdem kra n tikliwin. Aṭas n yimaɣen heggan adossier-nsen s ubeɛda syin sdukkulen izmal deg yiwen n tirza, ayen yessutren ad tawiḍ send aqbal n lsas n lbanka.
Tisuddas n wereḍḍal ara testeqsiḍ
CPA — Achat de logement auprès de particuliers (ARE)Tabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n CPA i Yezzayriyen yezdɣen di berra i uɣal n tnezduɣt ɣer umdan.Al Salam Bank Algeria — Financement acquisition de logementTabanka tineslemt yettwasirgen sɣur Banque d'Algérie — Asmuddu n uxxam ineslem n Al Salam, yella daɣen i Yezzayriyen yezdɣen di berra.CNEP-Banque — Finance conventionnelle (brochure)Tabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Akaram n CNEP-Banque i d-yesskanayen iṛdalen-is n uxxam imensayen: aɣal, lebni, asimeɣ, aseggem.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.Tabdart i usisen kan: Algerie-Credit.com ur yeqqin ɣer yiwet seg tsuddas-a, ur d-yettak ara areḍḍal. Senqed tiwtilin n tura ɣer tsuddest s timmad-is.