Sin n yiberdan i ukridi n yixeddimen i yinigi azzayri
Asnifel n ssqef n wexxam n yimawlan, timerna n usuddu, asnerni n tkuzint neɣ aɛazal n tapartma i d-tuɣeḍ deg Wehran: isenfaṛen-a ttuɣalen-d s waṭas ɣer yiZzayriyen yezdeɣ di Fransa, di Belǧik, di Kanada neɣ di tmura n Lxalij. Asellef yezmer ad yeḍfer sin n yiberdan yemgaraden aṭas.
Arḍal ɣer tbanka di Lezzayer
Kra n tbankiyin tizzayriyin ttakent ifarisen i yimezdaɣ n berra, s umata s umiḍan di Lezzayer d tririt i d-yettawḍen s yisiweḍ seg berra. Asumer ibeddel aṭas seg tsudest ɣer tayeḍ d deg wakud: ilaq ad tessutreḍ s tira ma yella addad n umezdaɣ n berra yettwaqbel i usellef n yixeddimen, mačči kan i taɣuri n wexxam.
Arḍal deg tmurt anda tezdeɣeḍ
Amerḍil udmawan neɣ amerḍil n yixeddimen s uru neɣ s dular n Kanada yettwarra s tedrimt n lexlaṣ, ayen yekkessen aɣilif n ubeddel n tedrimt. Maca, tabanka n Turuft ur tettaṭṭaf ara aḍman n urahen ɣef wexxam yellan di Lezzayer: tettkel kan ɣef yidrimen-ik d umezruy-ik dinna.
Axxam di Lezzayer: asteqsi ɣef yebna kullec
Uqbel ad d-tessiwleḍ ɣef tewzi n wayyur, steqsi iman-ik: wi ilan axxam? Asellef n yixeddimen ɣef wexxam n yiwen seg yimawlan neɣ ɣef wayla ur nebḍi ara mačči d ayen ur nezmir ara, maca tabanka tazzayrit i yebɣan aḍman n tidet ad tessuter azmam s yisem n umerḍal.
- Axxam s yisem-ik: lɛeqd n umeskan neɣ ddeftar n wakal, aḍman n urahen yezmer ad yili, dossier i ifessusen ugar.
- Axxam n yiwen seg yimawlan: tabanka tezmer ad tessuter ad yekcem bab n wexxam d amḍemmen neɣ d amerḍal yid-k.
- Ayla n lwert ur nebḍi ara: ilaq umɛawen s tira n yiwrittiyen, s waṭas ula d beṭṭu, uqbel yal aḍman.
Tisirag n lebni
Timerna neɣ asemɣer n wexxam tesra tasiregt n lebni i d-tettak APC. I useggem kan n daxel, steqsi APC ma ilaq aselɣu. Tabanka ur tettsellif ara ixeddimen ur nesɛi tisirag, annar ur nelli ɣef lqanun yesseweɛɛer sakin azenzi neɣ lwert.
Dossier n ukridi n yixeddimen i yinigi azzayri
Tiwriqin bḍant ɣef kraḍ n yiḥricen: tamagit d uzdaɣ, idrimen i d-tettaṭṭafeḍ di berra, d usenfaṛ n yixeddimen.
| Aḥric | Tiwriqin yettwassnen |
|---|---|
| Tamagit d uzdaɣ | Paspuṛ neɣ takarḍa n tmagit tazzayrit, takarḍa n lqunṣulat, tasiregt n uzdaɣ, tafaturt tamaynut neɣ lɛeqd n lekra i d-yesbeggnen tansa beṛṛa n Lezzayer |
| Idrimen | Lɛeqd neɣ tagrawt n bab n uxeddim, tiwriqin n lexlaṣ timaynutin (s waṭas kraḍ n wayyuren, tikwal ugar), tawriqt n lbaṭel, tiwriqin n umiḍan n tmurt anda tezdeɣeḍ |
| Asenfaṛ | Azmam n tlelli, tasiregt n lebni ma tesra, idevis s telqay n tkebbaniyin di Lezzayer, tugniwin n waddad n tura |
Tiwriqin n berra zemrent ad sran asuqel, ula d asnulfu n uzmul (légalisation): ssuter tabanka talɣa s telqay i teqbel uqbel ad tinigeḍ. Tiwriqin n lexlaṣ n CDI s wakud ummid ttwaqbalent ugar n tmuddiwin n intérim yettemḍefaren, ɣas akken idrimen n useggas qrib kifkif.
Rnu amerḍal-nniḍen yezdeɣ di Lezzayer
Mi ara tettḥaṛ tbanka ad terḍel i yiwen n umezdaɣ n berra iman-is, tifrat d asbeddi n dossier s yiwen seg yimawlan, gma-k neɣ tameṭṭut-ik/argaz-im yezdeɣ yerna yexdem di Lezzayer. Lexlaṣ-is i d-yettawḍen dagi yessekcam talwit ɣer tbanka, ma d idrimen-ik n berra ssnernin tazmert meṛṛa. Maca tiferkit-a teqqen amerḍal-nniḍen ɣer trida meṛṛa: ma yella wugur ɣur-k, d netta ara tettnadi tbanka. Mtafaqet s tira ɣef beṭṭu n tririt d tlelli ɣer sdat n yixxamen yettwasegmen.
Abeddel n tedrimt, isiweḍ d tririt seg berra
Ma yella amerḍil s ddinar ma d idrimen-ik s uru, yal tawzi teqqen ɣer ssuma n ubeddel deg wakud n usiweḍ. Deg tanzagt n ukridi, abeddel-a yezmer ad yessifses neɣ ad yessenɣel taɛkkemt n tidet. Amgired gar ssuma n ubeddel tunṣibt d ssuq n tama yettwassegzay-d deg umagrad-nneɣ ɣef ssuma n ddinar azzayri; d tamezwarut kan i yettwasnasen ɣef yisiweḍ n lbanka.
Ssuddes isiweḍ
- Ldi neɣ ssuker amiḍan di Lezzayer uqbel asuter, ugar deg tbanka ara k-yerḍlen.
- Ssiwel asiweḍ n yal ayyur i yettɛeddin s kra tawzi akken ad yeṭṭef iṣeṛṛfen d yibeddilen.
- Ḥrez akk ibeggnen n usiweḍ: ttnefɛen daɣen akken ad tbeggneḍ seg anida d-kkan yidrimen-ik.
Ur tettarra ara s yiwen n umaru i yessersayen idrimen s ufus: tazwara n yidrimen ad tuɣal ur tettwasefqad ara, aɛeṭṭel yezmer ad yeqqim war ma teẓriḍ.
Amedya i usegzi: aseggem n wexxam n twacult deg Bgayet
Amedya i usegzi, imḍanen ttwazzlen: asnifel n ssqef 900 000 DA, tamenwizt n berra 600 000 DA, aplumbi d yimeccacen 500 000 DA, ihi 2 000 000 DA n yixeddimen.
- Tifrat A, amerḍil di Lezzayer: 500 000 DA n yidrimen n yiman-ik yettwaznen seg Fransa, asellef n 1 500 000 DA. Ɣef 5 iseggasen, aqerru kan yesɛa 25 000 DA i wayyur, uqbel rrbeḥ neɣ lfayda d lasurans.
- Tifrat B, amerḍil s uru: amerḍil udmawan s wazal kifkif deg tmurt anda tezdeɣeḍ, yettwarra s uru, sakin asiweḍ n yidrimen ɣer Lezzayer ɣef wakken d-ttawḍent tfaturin.
Tifrat A teǧǧa assaɣ d tbanka tadigant i d-yettaken idrimen ɣef tfaturt; tifrat B tekkes abeddel n tedrimt maca tessuter ad tesseḥkemeḍ s yiman-ik axelleṣ n yiḥeṛfiyen. Asemris i d-yettwaglemen deg usebter-nneɣ asemres n ukridi i yinigi yettɛawan ad tserwseḍ snat n tewziwin n wayyur.
Ssuma ara tḥesbeḍ beṛṛa n udevis
Azal n yixeddimen mačči d asuref kan. Aniɣi i yettheyyin tadrimt-is seg Marseille neɣ seg Montréal yessenqas s waṭas iṣeṛṛfen-nniḍen, i yezmren ad ṭṭfen aḥric meqqren seg ssuma meṛṛa.
- Iṣeṛṛfen n lbanka: iṣeṛṛfen n tezrawt n dossier, lasurans n umerḍal ma tella, iṣeṛṛfen n umiḍan di Lezzayer.
- Iṣeṛṛfen n usiweḍ: taɛemmult n tbanka n berra i yal asiweḍ, ad tt-tsemɣreḍ s umḍan n tewziwin.
- Lɛuqud d tsirag: lexlaṣ n umeskan i tewkilt (procuration), iṣeṛṛfen n tsiregt n lebni, tazrawt tatiknikt ma tesra.
- Inigen: ɣef wakken drus yiwen neɣ sin n yinigen akken ad tezmleḍ, ad tqebleḍ tafelwit d useggem n umennuɣ ma yella.
- Ayen ur nettwaraǧu ara deg unnar: tiririt n ssuma n lismen neɣ n wuzzal, tiftin n uceqquq neɣ n waman i d-ikecmen mi ara ldin yiɣerban.
Aheyyi n uḥraz n 10 ar 15 % seg ssuma n yixeddimen d aḥezzeb n leɛqel, ilaq ad t-tsellfeḍ seg yidrimen-ik i teḥrezeḍ mačči s ukridi.
Ixeddimen n usegzel n tezmert
Aɛazal n ssqef, asbeddi n useḥmay n waman s yiṭij neɣ n yigalisen n tafat ɣef wexxam n twacult yessenqas tifaturin n yimawlan i yezdeɣ dinna aseggas meṛṛa. Ixeddimen-a zemren ad kecmen deg usellef n useggem, ma yella ttwaḥesben sɣur yiwen n usbeddi yettwassnen; asebter-nneɣ ɣef akridi n tezmert n yiṭij yefka-d isebtar s telqay.
Akridi n yixeddimen i yinigi azzayri: aḍfar n unnar si lebɛid
Deg ukridi n yixeddimen i yinigi azzayri, aɣilif agejdan s waṭas mačči d asellef, maca d annar s yiman-is. Aṭas n tḥezzbin ssenqasent tuccḍiwin:
- Ssuter idevis aḥric s waḥric, yettwazemlen yesɛan azemz, sɣur tkebbaniyin yettwajerden.
- Xelleṣ s tfelwiyin yeqqnen ɣer tikli n uxeddim, werǧin kullec di tazwara.
- Efk tawkilt n umeskan tettwasbadden i yiwen n umaru i tettamneḍ, tettwaru deg lqunṣulat neɣ ɣer umeskan, deg wadeg n tezmert tamatut.
- Ssuter tugniwin, ma yella wamek, tirza n yiwen n utiknisyen ilelli uqbel yal axelleṣ ameqqran.
Tifrat-nniḍen ara tesfeqdeḍ
I usenfaṛ yugaren aseggem, am wexxam amaynut, ɣer amnir-nneɣ n akridi n lebni i yinigi. Ma tesmenyafeḍ tiferkit war lfayda, kra n tbankiyin tislamiyin ttakent asellef n tɣawsiwin d yiɣersiwen n lebni s mourabaha; sefqed ma ldint-tt i yimezdaɣ n berra.
Isteqsiyen yettuɣalen
Tabanka tazzayrit, tettak akridi n yixeddimen i umezdaɣ n berra?
Kra deg-sent ttakent-t, tiyaḍ ǧǧant isumar-nsent i yimezdaɣ n tmurt kan. Tiririt teqqen ɣer tbanka, ɣer ufaris, tikwal ɣer tmurt anda tezdeɣeḍ. Ssuter asentem s tira belli addad n umezdaɣ n berra yettwaqbel i yixeddimen, sakin sefqed ayen yettwasutren: amiḍan di Lezzayer, tiwriqin n berra yettwasuqqlen, aḍman ɣef wexxam d tarrayin n tririt s usiweḍ.
Ayen yelhan ugar: arḍal s uru neɣ s ddinar akken ad tesseggmeḍ axxam di Lezzayer?
Arḍal s tedrimt n lexlaṣ-ik yekkes aɣilif n ubeddel n tedrimt, maca tabanka n berra ur tettaṭṭaf ara aḍman ɣef wexxam azzayri, tettkel kan ɣef yidrimen-ik. Amerḍil s ddinar yettak aḍfar adigan d usefk n yidrimen ɣef tfaturt, maca yal tawzi teqqen ɣer ssuma deg wakud n usiweḍ. Serwes ssuma meṛṛa deg sin-a.
Tzemreḍ ad tsellfeḍ ixeddimen ɣef wexxam n yimawlan-ik?
Ih, maca tabanka tazzayrit s umata ad tebɣu ad yekcem bab n wexxam, d amḍemmen neɣ d amerḍal yid-k, neɣ ad yili wexxam s yisem-ik ma yella aḍman n urahen yettwasuter. Amerḍil udmawan i d-tewwiḍ di berra ur yesɛi ara aɣilif-a, axaṭer ur yebna ara ɣef wexxam. Deg yal taluft, ḥrez idevis d tfaturin s yisem n usenfaṛ.
Amek ara txelṣeḍ iḥeṛfiyen mi ara tezdeɣeḍ di berra?
Xelleṣ s tfelwiyin yeqqnen ɣer tikli n tidet n uxeddim, ɣef llsas n yidevis s telqay yettwazemlen. Tawkilt n umeskan tettwasbadden tettaǧǧa amaru ad yexelleṣ tifaturin d wad yeqbel ixeddimen. Ḥrez yal tawriqt n uxelleṣ, ssiweḍ idrimen s umiḍan n lbanka deg wadeg n yidrimen s ufus, aya yettḥaraz daɣen aḍfar i tessuter tbanka.
Tisuddas n wereḍḍal ara testeqsiḍ
CPA — Aménagement de logement (ARE)Tabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n CPA i wid ur nezdiɣ ara di tmurt, i yixeddimen n useggem n uxxam n uzdaɣ.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.Trust Bank Algeria — Crédit immobilierTabanka tusligt yettwasirgen sɣur Banque d'Algérie — Ardal n uxxam n Trust Bank Algeria (Menzilli), s usimulatur n wardal deg Internet.BNA — Crédit immobilierTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n uxxam n BNA i uɣal, i lebni neɣ i useggem n tnezduɣt, s usimulatur yettwahegan i waya.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.