Iɣerman uɛlayen n Tiaret: tadamsa yettḍafaren akal
Tella gar Tell d steppe, tawilayt n Tiaret tettidir s waṭas s yirden d lmal. Isuqen n lmal n temnaḍt, am win n Sougueur, llan gar wid yettwassnen ugar deg umalu, ma d ansay n uyis aberbri d uɛrab-aberbri, i yettbanen deg haras n Chaouchaoua, d amur seg tmagit n temnaḍt. Tamdint tamezwarut tesdukkul tadbelt, tasdawit Ibn Khaldoun, imeẓla d tnezzut.
Ameɣnas-a yesɛa snat n tmentilin ɣef ukridi. Seg yiwet n tama, BADR tesɛa amkan agejdan, acku amur ameqqran n tuttriwin d-yekka-d seg tfirmatin. Seg tama nniḍen, idrimen n tfellaḥt qqnen s waṭas ɣer ugeffur, ayen yeǧǧan tibankiwin ad ssutrent iḍmanen d leɛqed ɣer CNMA. Ixeddamen d yixeddamen n uwanek, nutni, ttaken-d idossiyen aklasikiyen ugar.
Akridi di Tiaret i yifellaḥen n yirden
Tallit n yirden d tmezin tebda deg tmenzut s tayerza d tazrawt, tkemmel s usizdeg n yiẓeggiren d ussedri deg tefsut, tfukk s tmegra deg unebdu. Akridi n tallit R’fig yettsedday isuraf-a: zzerriɛa yettwasneqden, ameslaḥ, isafaren n yimɣan, lmazut d uṛeǧǧu n yimrigen. Axelleṣ yettili deffir tmegra, aṭas n tikwal mi ara yettwasiweḍ ɣer CCLS.
I usekcem n yidrimen, am traktur, semoir, pulvérisateur, moissonneuse neɣ hangar n uḥraz, akridi Ettahadi neɣ akridi n usekcem n yidrimen n tfellaḥt d wid ilaqen ugar. Adossier yebna ɣef tkarḍa n ufellaḥ, lɛeqd n ukerrez (lɛeqd, lɛeqd n concession neɣ tawriqt n Direction des services agricoles), aɣawas n tfellaḥt d yidevis. Tiwtilin, ladɣa bonification, ttwasbadunt sɣur ibenkan izayezen yerna zemrent ad beddlent: ilaq ad ttwasneqdent deg ugens. Amnir n ukridi n tfellaḥt i tfirma yessken-d timeẓliwin-a s telqayt.
Salam d abrid nniḍen
Deg lɛeqd n salam, lbanka tettxelleṣ uqbel tasmekta n tmegra i yettwaɛahed ufellaḥ ad tt-yesiweḍ deg wass yettwasbadun. Lɛeqd-a aslamay yemṣada aṭas d uwitay n yirden, maca tilin-is teqqim tettwasebded. Asebter ɣef salam n tfellaḥt yessefhem amek iteddu.
Asdeddi n lmal n wulli neɣ n tmesreft n usegzer
Lmal n wulli d armud agejdan n twilayt. Isenfaren yettwassnen ugar d tiɣin n lmal n tarwa, lebni n taxxamt n wulli, tiɣin n wučči d usnulfu n tmesreft n usegzer i uzenzi n Lɛid Tameqqrant. Tuttriwin-a ttaɣent BADR neɣ, i usenfar amecṭuḥ, ANGEM d ubenk ANADE.
Amedya i usfehem: tamesreft n usegzer
Amsekkay yebɣa ad yaɣ 50 n yizamaren s 40 000 DA yiwen, ihi 2 000 000 DA, yerna yesbadu 1 000 000 DA i wučči, i umejjay n lmal d usiweḍ, ihi tuttra meṛṛa d 3 000 000 DA. Ma yefka-d 600 000 DA, ilaq ad yesdeddi 2 400 000 DA. Ad nini yezzenz lmal s 70 000 DA yiwen: idrimen ad awḍen 3 500 000 DA, ma d rrbeḥ uqbel isuraf n lbanka d 500 000 DA. Leḥsab yessken belli asenfar yeqqim yettawi-d rrbeḥ, maca s rrbeḥ amecṭuḥ: asali n ssuma n wučči neɣ akkus n ssuma n uzenzi yezmer ad t-yessenger. Lbanka ad tṛeyyeḥ s ubudjeṭ n leḥder d leɛqed n lmal.
I tama n tallit, asebter-nneɣ ɣef usdeddi n Lɛid Tameqqrant yesmekti belli twaculin, nutni, ur ilaq ara ad ṭṭfent ttlaba ɣezzifen i tiɣin n ukerri.
Ad tebnuḍ neɣ ad tesimɣureḍ axxam-ik
Iɣawasen AADL, LPP d LPA llan deg temdint tamezwarut, maca lebni s yiman-ik yeqqim yettwassen aṭas, deg temdint am deg tɣiwanin n lǧiha, anida tallalt n uxxam n lǧiha tezmer ad tkemmel aḥiṛes n twacult. Akridi n lebni, i d-tettak ladɣa CNEP-Banque, yettsedday lebni s yiḥricen yettemḍafaren. Ilaq ad d-tefkeḍ lɛeqd n tlelli neɣ livret foncier, permis de construire, iplanen, adevis yettwasegzan d tewriqin n yidrimen.
Tagnawt n yiɣerman uɛlayen, s tegrestin isemmḍen, terra ilaq ad tesekcmeḍ seg tazwara deg udevis chauffage central neɣ s lgaz, asekkeṛ d tewwura d yisfuyla n tɣara. Iḥricen-a yettwarnan deffir ur ttwasdeddayen ara yal tikkelt. Deg tɣiwanin n lǧiha, yif-it daɣen ad tḥesbeḍ asekcem n trisiti, lgaz d waman, neɣ tifrat tasimant ma ulac aẓeṭṭa, acku isuraf-a ẓẓayen ɣef ubudjeṭ meṛṛa n ukridi di Tiaret i uxxam. Asebter n ukridi n lebni n uxxam yessegzay tisuraf n tukksa n yidrimen.
Akridi di Tiaret: aẓeṭṭa n yigensan d tifrat tislamiyin
Tibankiwin tizayezin, gar-asent BADR, BNA, CPA, BEA, BDL d CNEP-Banque, llant deg temdint tamezwarut, yerna BADR tesɛa daɣen igensan deg waṭas n tdayrin n lǧiha, ayen yessehlen aḍfar n yifellaḥen yebɛden ɣef temdint. Tibankiwin tusligin drus i llant ma nesnemhez d Wehran; amsaɣ i yebɣan ad yesnemhez ifarisen-nsent yezmer ɣas akken ad yeɣer tiwtilin-nsent yettwasufɣen, ad yawi tamlilit deg ugens n twilayt n yidis ma yeḥwaǧ.
Segmi ldint tewwura n tedrimt tislamit deg tbankiwin tizayezin, seg 2020, imezdaɣ zemren ad awḍen ɣer tifrat war lfayda war ma ffɣen seg twilayt. Mourabaha teǧǧa ad taɣeḍ traktur, takeṛṛust neɣ imrigen: lbanka tettaɣ taɣawsa syin ad tt-tezzenz i umsaɣ s rrbeḥ yettwasbadun uqbel. Ijara, aṛeǧǧu s tifrat n tiɣin, tlaq i yimrigen n tfellaḥt yesqamen aṭas. Ifarisen-a ttwaqeblen sɣur ugraw n ccariɛa n yal lbanka d tnebdadt n ccariɛa tanagmut.
Ad tesnemhezḍ s tiwtilin kif kif
Ama d akridi aklasiki ama d aslamay, asnemhez yesɛa anamek kan ɣef yiwen n llsas: yiwen n wazal yettwasdeddan, yiwet n tallit, yiwet n tmuɣli. Syin ilaq ad tesdukkleḍ akk idrimen ara txelleṣeḍ, s yisuraf n udossier, leɛqed d hypothèque ma tella, syin ad tessutreḍ yal asumer s tira. Lekra amecṭuḥ yezmer kan ad yeffer tallit ɣezzifen ugar.
Ixeddamen n uwanek, iselmaden d yilmeẓyen n twilayt
Ixeddamen n tedbelt, n uselmed d tdawsa sɛan adrim yeṛsan, ayen yessehlen tawwaḍt ɣer ukridi n usečči ɣef yifarisen yettwaxedmen di Lezzayer, ɣer ukridi n tkeṛṛust d ukridi n uxxam. Adossier-nsen yesɛa tawriqt n uxeddim, tiwriqin n lexlaṣ, tawriqt n twacult d tewriqt n wanzaɣ. Asebded n lexlaṣ deg lbanka ara d-yefken akridi yettwasuter s waṭas.
I yilmeẓyen yeffɣen seg tesdawit, ladɣa seg tesdawit Ibn Khaldoun, asnulfu n urmud aṭas n tikwal yettɛeddi s ANADE: tamesreft n tmekanikt n tfellaḥt, amkan n umejjay n lmal, taɣult n usnifel n uyefki neɣ ameẓlu n usiweḍ. Abenk yesdukkul tamuɣli tudmawant, ardal war lfayda d ukridi n lbanka, deffir tiririt n usenfar sɣur tkebbanit. Amnir n urdal i yilemẓi azzayri ikemmel iberdan-a.
Tuccḍiwin i d-yettuɣalen
- Ad tefkeḍ adossier R’fig deffir tallit n tazrawt, ma d iɣewwaṛen ilaq ad ttwaɣen uqbel.
- Ad tḥesbeḍ s drus ssuma n wučči n lmal deg uɣawas n usekkay.
- Ad tebduḍ akridi di Tiaret i lebni war permis, ayen yerran asuter ur yettwaqbal ara.
- Ad tefkeḍ tiwriqin-ik i umsiwel yettwaxelṣen i d-yettwaɛaden tiririt tarurad.
Isteqsiyen yettuɣalen
Anta lbanka ara tsutreḍ i ukridi di Tiaret deg tfellaḥt?
BADR d tasudawt tamezwarut n yifellaḥen n yirden d yimsekkayen n twilayt. Tettak akridi n tallit R’fig i yiɣewwaṛen d ukridi n usekcem n yidrimen Ettahadi i yimrigen d lebni. Afellaḥ ilaq ad d-yefk takarḍa n ufellaḥ, lɛeqd n ukerrez d yidevis. Ilisen d bonification ilaq ad ttwasneqden ass n usuter.
Nezmer ad nesdeddi tiɣin n wulli i usegzer?
Ih, d asenfar n tfellaḥt s timmad-is. Akken yella wazal, yezmer ad yɛeddi s BADR, s ANGEM neɣ s ANADE i ilemẓi. Adossier ilaq ad yesɛu abudjeṭ yettwasegzan i yesɛan tiɣin n lmal, učči, amejjay d usiweḍ, akked uḥesseb n leḥder n ssuma n uzenzi. Leɛqed n lmal ɣer CNMA yettwasuter s waṭas.
Axeddam n uwanek yezmer ad yawi akridi n tkeṛṛust di Tiaret?
Ih. Tibankiwin tizayezin ttakent akridi n usečči i tkeṛṛusin yettwaxedmen neɣ yettwasdukklen di Lezzayer. Axeddam n uwanek yettak-d tawriqt n uxeddim, tiwriqin n lexlaṣ, takarḍa n tmagit d tfaktuṛt pro forma n concessionnaire. Quotité yettwasdeddan, tallit d tmuɣli tamecṭuḥt qqnen ɣer lbanka i tferneḍ d tiwtilin-is yettwasufɣen.
Ilaq ad nesekcem chauffage deg udevis n lebni?
D ayen i nwelleh s waṭas. Ɣef yiɣerman uɛlayen, tigrestin semmḍent, ma d chauffage, asekkeṛ d tewwura d yisfuyla d asurif ameqqran. Ma ulac-iten deg udevis yettwafken i lbanka, ur ten-yettɣummu ara ukridi n lebni, ilaq ad ttwaxelṣen s yidrimen n bab-is neɣ s usdeddi nniḍen, aṭas n tikwal yesqamen ugar.
Tisuddas n wereḍḍal ara testeqsiḍ
ANGEM — Services financiersTadbelt tamenḍawt n wardal amecṭuḥ — Iṛdalen imecṭaḥ n ANGEM: ardal war afmiḍi i tɣawsiwin tizwura d usmuddu s kraḍ n yiḥricen akked tbanka.BNA — Financement ANGEMTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n tbanka n BNA i yimeskaren n yisenfaren i yezmren ad kecmen deg ugraw n wardal amecṭuḥ ANGEM.CPA — Crédit NESDATabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal yettwallen n CPA i tsuddsin timecṭaḥin yettwasnulfan deg ugraw NESDA (ANADE, zik ANSEJ).BDL — Financement ANADETabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n BDL i yimeskaren n yisenfaren i yettwaḍfaren sɣur ANADE (zik ANSEJ).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.