Anwa i yessutren akridi di Ouargla?
Ameɣnas amezwaru d axeddam n uḥric n lpiṭrul neɣ n yimeẓla-s. Ama yettxeddim i Sonatrach, i yiwet seg tfiliyin-is neɣ i tkebbanit n yimeẓla, aṭas n tikwal yesɛa aɣawas n uxeddim s tuzzya (rotation) d lexlaṣ yesɛan primes de zone d sujétion. Lbanki yettferriq gar umur yeṛsan, i yellan deg yal tawriqt n lexlaṣ, d tlelliyin yettbeddilen; d amur amezwaru i yesɛan azal ugar deg leḥsab n tezmert n uxelleṣ.
Ameɣnas wis sin d afellaḥ: win yettkerrzen tiniwin deg teɣzut n wasif M’ya, win yesɛan concession n usedder n wakal, win yettkerrzen tibḥirin s pivot neɣ deg tixxamin n uzeǧǧig. Wis kraḍ yesdukkul imsenfaren n sous-traitance, n usiweḍ, n uḥareb ɣef yimrigen n tfabrikin, n wučči amatu i yidekkan n tudert, d yimsenziyen n temdint tamezwarut.
Primes d tuzzya: amek ara ten-tesskneḍ
Tawriqt n lexlaṣ yettbeddilen aṭas seg wayyur ɣer wayeḍ tezmer ad tessegẓem ameskar. Yif-it ad d-tefkeḍ sin d mraw n tewriqin taneggarin n lexlaṣ, s tewriqt n umsexdam i d-yesbeggnen lexlaṣ n llsas, ma yella primes d timezgiwin neɣ ala d uqdim. Tafat-a tessegdal ad yuɣal wayyur n usteɛfu s lexlaṣ meẓẓiyen d tamuɣli.
Akridi di Ouargla i yiɣil n tiniwin d tfellaḥt n Ṣṣeḥra
Tiniwin, ladɣa Deglet Nour, qqiment d tafellaḥt tamagnut n tewwaḥin. Tuttriwin n usdeddi aṭas-itent: asmaynut n tazdayin, aseggem n yiẓeṭṭa n usemmet n waman, abeqqar d usuli n waman, taxxamt n usemmiḍ i uheggi, imrigen n tmegra. Iger n usedder, i yettwafken s concession, ldin daɣen abrid i tfellaḥin timaynutin i yessutren asekcem n yidrimen ameqqran deg tazwara i usesswi.
BADR d lbanka tamezwarut i yisenfaren-a, s ukridi n usekcem n yidrimen Ettahadi i yimrigen d ukridi n tallit R’fig i yisuraf n tallit. Afellaḥ ilaq ad d-yefk takarḍa n ufellaḥ, arrêté neɣ lɛeqd n concession, turagt n ubeqqar i d-tettak tedbelt n yiɣbula n waman, d yidevis n yimrigen. Tiwtilin n bonification d yilisen ttbeddilen: ilaq ad ten-tesneqdeḍ deg ugens. Amnir-nneɣ n ukridi n tfellaḥt i tfirma yessegzay sin yibenkan-a.
Amedya i usfehem: abudjeṭ n ubeqqar d pivot
Ad nwali asenfar n usedder n 10 n hektaren yettwaḥesben akka: 4 000 000 DA i ubeqqar d tpompit, 3 000 000 DA i pivot n usesswi, 1 000 000 DA i yiferdisen n tafat n yiṭij ara yesseddun tapompit, ihi 8 000 000 DA. Ma afellaḥ yefka-d 20 % seg yidrimen-is, ihi 1 600 000 DA, tuttra n usdeddi d 6 400 000 DA. Ma yettwaxelleṣ ɣef sebɛa n tallitin war ma nḥesb lfayda, aya yessekcam qrib 914 000 DA deg useggas ara d-yeffɣen seg uzenzi n tmegra. Azal-a yeǧǧa ad tesneqdeḍ, uqbel yal tamlilit, ma yella uɣawas n tfellaḥt yettwaheggan ad d-yawi s tidet rrbeḥ am wa.
Akridi di Ouargla i sous-traitance n lpiṭrul
Tisudwin yettxeddimen i uḥric n lpiṭrul d lgaz sɛant tuttriwin timaẓlayin: tikeṛṛusin tout-terrain, ikamyuyen d tcitirniwin, imeslaḥen n trisiti, tixxamin n ccantie, imrigen n usmutti. Aṭas n tikwal ttwaxelṣent ɣef tfaktuṛt deffir kra n yimalasen, ayen i d-yesnulfuyen tuttra n tedrimt gar uxeddim n yimeẓla d ukcam n yidrimen.
Tikebbaniyin-a sɛant daɣen tarbaḥt n wakken zemrent ad d-sseknent tabdart n tuttriwin s tidet, ayen i yessehlen tasleḍt. Sin n tewsatin n yifarisen i yettmuqulen tilawin-a. Akridi n usekcem n yidrimen neɣ leasing yettsedday imrigen yettḥerriken d yimrigen nniḍen, taɣawsa d nettat i d aḍman. Akridi n usexdem, s talɣa n découvert neɣ n usellef ɣef ttlaba, yettɣummu amgired n uxelleṣ ma yella ttwaskanen leɛqud neɣ tiwriqin n tuttra n bab n uxeddim yettwassnen. Amnir n ukridi n tedrimt i tsudawt yessegzay timeẓliwin-a, yerna affacturage yezmer tikwal ad ikemmel abenk.
Tiwriqin i yessṛeyyiḥen lbanka
- Lɛeqd-akatar neɣ tawriqt n tuttra yettwazemlen sɣur amsaɣ n lpiṭrul, s tallit d wazal.
- Amezruy n tfaktuṛin d ukcam n yidrimen deg yiseggasen yezrin.
- Ibilanen, tawriqt n usaleqqem CNAS d CASNOS, extrait de rôle.
- I yimrigen, tafaktuṛt pro forma n umsaɣ d, ma yella wamek, certificat de conformité.
Ad tezdeɣeḍ, ad tebnuḍ ddaw tegnawt iqesḥen
Iɣawasen izayezen n uxxam llan di Ouargla am deg tmurt meṛṛa: ixxamen AADL d LPP deg temdint tamezwarut, ladɣa tallalt n uxxam n lǧiha i twaculin yettebnun ɣef wakal-nsent deg yiɣerman (ksour) d yidgan n yiri. Tallalt tazayezt aṭas n tikwal tettwakemmel s urdal i usemmed n lebni. Adossier yesɛa lɛeqd neɣ tawriqt n tṭfa n wakal, permis de construire, adevis d tewriqin n yidrimen.
I twacult, akridi di Ouargla i uxxam yettɛeṭṭil s waṭas ɣef usurif yettwattun. Tagnawt ternu-d s tidet asurif i ur ḥesben ara akken iwata twaculin n ugafa: asekkeṛ n ssqef, iclimatiseurs, asenduq n waman, imesten n yiṭij. Imrigen-a ilaq ad ilin deg udevis amezwaru. Ardal n uxxam i yettseddayen kan lebni ameqqran yettaǧǧa aṭas n tikwal tawacult s uxxam ur yettwazdaɣ ara deg unebdu, acku ulac abudjeṭ i tefses n tezɣelt. Asebter ɣef ukridi n lebni n uxxam yessken-d tukksa n yidrimen s yiḥricen.
Solaire, climatisation d yimrigen n uxxam
Tafat n yiṭij n Ṣṣeḥra terra tazmert n yiṭij d tin ilaqen s waṭas, ama i usuli n waman n tfirma ama i usneqqes n tfaktuṛt n tḥanut neɣ n tmesreft. Asenfar photovoltaïque yettwasdeddi ama deg ukridi n usekcem n yidrimen n uxeddim, ama, i twacult, s ukridi n usečči mi ara ilin yimrigen yettwaqeblen. Asebter-nneɣ ɣef ukridi n tezmert n yiṭij yessken-d tifrat.
I yiclimatiseurs, ifrigiyen d yimrigen nniḍen n uxxam, akridi n usečči n tbankiwin tizayezin yerza s llsas ifarisen yettwaxedmen di Lezzayer. Tafaktuṛt pro forma n umsenzi, tawriqt n uxeddim d tewriqt n lexlaṣ qedrent s umata, maca ilaq ad tesneqdeḍ ma yella umudil i tferneḍ deg tebdart yettwaqeblen sɣur lbanka.
Tibankiwin, tiwwura tislamiyin d leḥder
Tibankiwin tizayezin timeqqranin, gar-asent BNA, CPA, BADR, BEA, BDL d CNEP-Banque, llant deg temdint tamezwarut, yerna aṭas deg-sent sɛant igensan deg tdayrin timeqqranin. Ifarisen-nsent d tiwtilin-nsent ttwasbadunt deg uswir anagmu. I usdeddi yemṣadan d ccariɛa, ilaq ad testeqsiḍ ma yella tewwurt tislamit deg ugens i k-iqerben, neɣ ma llant Al Baraka neɣ Al Salam; ma ulac, kra n yidossiyen zemren ad ttwasefrken s lebɛid s kra n tikli kan ɣer ugens. Asebter-nneɣ ɣef urdal aslamay yessefhem tifrat mourabaha d ijara yettwassnen ugar.
Ad theggiḍ yiwet n tikli kan ɣer temdint tamezwarut
I yimezdaɣ n N’Goussa, n Sidi Khouiled neɣ n yidgan yebɛden ugar, yal tikli ɣer ugens d akud d lmazut. Yif-it ihi ad tesdukkleḍ akk tiwriqin uqbel tamlilit tamezwarut, ad tessutreḍ tabdart yettwarun n tewriqin ixuṣṣen, d, mi ara as-teǧǧ lbanka, ad tazneḍ ayen d-yeqqimen s ubrid aliktṛunan. Asuddes-a yessewzal s waṭas akud gar usuter d tgrayt.
Imi ibeɛden meqqren, aṭas n yimezdaɣ n yidgan yebɛden ttwaǧebbaden sɣur yimsiwlen i d-yettsumuren ad « xedmen adossier » s yidrimen. Akridi n lbanka ur yettwaɣ ara: ulac lexlaṣ uqbel i tessutur tsudawt yesɛan turagt, yerna yal tiririt ilaq ad tettwaru deg tewriqt n lbanka s yiman-is. Uqbel ad tzemleḍ akridi di Ouargla, yif-it ad tawiḍ akud ad tedduḍ yiwet n tikkelt ɣer temdint tamezwarut wala ad tefkeḍ tiwriqin-ik i umdan ur tessineḍ ara.
Isteqsiyen yettuɣalen
Primes de zone ttwaḥesbent i ukridi di Ouargla?
Zemrent ad ttwaḥesbent, maca lbanka tettɛekkiz uqbel ɣef lexlaṣ n llsas, i yeṛsan ugar. Ma tefkiḍ-d sin d mraw n tewriqin n lexlaṣ d tewriqt n umsexdam i d-yesbeggnen belli primes d timezgiwin d uqdim, ad tɛawneḍ ameskar ad yeṭṭef adrim yelhan ugar. Ayyur n usteɛfu s lexlaṣ meẓẓiyen ur ilaq ara ad yili d tamuɣli tasuft n leḥsab.
Amek ara nesdeddi abeqqar ɣef wakal n usedder?
Akridi n usekcem n yidrimen n tfellaḥt, ladɣa Ettahadi n BADR, d abrid yettwassnen. Ilaq ad d-tefkeḍ takarḍa n ufellaḥ, lɛeqd n concession, turagt n ubeqqar d yidevis n yimrigen. Ma ternuḍ deg udossier tapompit n yiṭij, tezmer ad tesneqqes isuraf n usexdem. Ilisen, bonification d tallit ttwasbadun sɣur ubenk, ilaq ad ttwasneqden ass n users.
PME n sous-traitance tezmer ad tesdeddi tallit n uxelleṣ-is?
Ih, s ukridi n usexdem neɣ s usellef ɣef ttlaba, ma yella ttwaskanen leɛqud neɣ tiwriqin n tuttra n bab n uxeddim yettwassnen d umezruy n ukcam n yidrimen. Lbanka tettwali daɣen ibilanen d lḥala n lmakus d CNAS. I yimrigen yettḥerriken, leasing neɣ akridi n usekcem n yidrimen lhan s umata ugar n yizirig n tedrimt.
Nezmer ad nesekcem climatisation deg ukridi n lebni?
D ayen yelhan. Asekkeṛ, iclimatiseurs, asenduq n waman d yimesten n yiṭij ilaq ad ilin deg udevis amezwaru yettwafken i lbanka, ma ulac ur ttwasdeddayen ara. Ddaw tegnawt n Ouargla, axxam war tefses n tezɣelt yewɛer ad yettwazdeɣ deg unebdu. Ma yella urdal yettwafk yakan, akridi n usečči ɣef yimrigen n da yezmer ad ikemmel asdeddi.
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.BNA — Offre Bladi DZTabanka tamenḍawt yesɛan asfaylu n tdrimt tineslemt — Akemmus ineslem n BNA i tmezdagt n berra: imiḍanen, asmuddu n uxxam s Mourabaha/Ijara/Istisna'a d tbanka s ugemmuḍ.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.Bank ABC Algérie — Prêt MoumkinTabanka tusligt s yirasmalen n berra, yettwasirgen sɣur Banque d'Algérie — Ardal n usemres Moumkin n Bank ABC Algérie i uɣal n tɣawsiwin n usemres.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.

