Melmi ur ilaq ara uselhu?
Mourabaha, Ijara, Salam d Moucharaka ur sɛin ara yiwet n tɣessa; senqed kontrat mačči isem kan. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Frais nniḍen ilaq ad ttwaḥesben deg lkelfa tummidt n usenfar.
Ma yella ulac asali
Deg Ijara équipement deg Lezzayer, aḥric «Ma yella ulac asali» ilaq ad yettwasenqed s Asebter unṣib d Al Salam Bank Algeria – LPA/LPP/LSP/LPL, acku isebtar-a i d-yemmalen ayen i d-ttawin s wudem unṣib ɣef tewtilin d leqdic.
Anwa i yezmer ad yessuter?
Lkelfa tummidt tesdukkel taux neɣ marge, frais, assurance d ḍmana. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Accord de principe mačči d offre contractuelle n taggara.
Ussuli yal aggur
Asebter aqbur ur d-yemmal ara belli usumer mazal yella; sseqsi tansa unṣibt n umselhu. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli.
Aḥraz seg ttḥila
Uqbel asezmel, senqed tiririt uqbel, retard, ḍmana d kra n lkelfa nniḍen. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Revenu yettwaḥesben ilaq ad yettwabeyyen s yisemliyen imaynuten.
D acu-t uselhu-a?
Uqbel tiririt s lemɣawla, suter azal n taggara yerna senqed frais d tarrayt n tukksa n ḍmana. Iɣbula n talɣut ilaq ad ilin zemzen yerna ttwasnen.
Asnemhel n tibanka
Iswi n tedrimt ilaq ad yili ibanen yerna yesɛa facture, devis neɣ aqerḍas. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Tiwtilin s tira n umselhu i d amekti uqbel reklama. Iɣbula n talɣut ilaq ad ilin zemzen yerna ttwasnen.
Asuter deg agence neɣ online
Ma yella uggi, ilaq ad tettwassen sebba: revenu, leɛtab, isemliyen neɣ tiwtilin ur nemṣada ara. Tiririt tagejdant seg agence yelha ad tettwasentem s tira.
Fren s leɛqel
Deg finance islamique ilaq ad nettwassen kontrat s tidet: anwa i yesɛan ayla d wamek tettwaḥsab marge neɣ loyer. Abeddel n wakud ibeddel mensualité d lkelfa tummidt.
Ɣer aqerḍas
Mourabaha, Ijara, Salam d Moucharaka ur sɛin ara yiwet n tɣessa; senqed kontrat mačči isem kan. Accord de principe mačči d offre contractuelle n taggara.
Ḍmana i yezmer ad tettusuter
Mourabaha, Ijara, Salam d Moucharaka ur sɛin ara yiwet n tɣessa; senqed kontrat mačči isem kan. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Aḥsab ilaq ad yettwales ma ibeddel wazal, wakud neɣ revenu.
Tadrimt tamezwarut
Mensualité kan ur teffiɣ ara i usenqed; ilaq ad tettwaḥseb tadrimt tummidt ara yettwaxedmen. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Aḥsab ilaq ad yettwales ma ibeddel revenu neɣ azal n usenfar.
Asenqed n ufaylu
Asenqed n «Asenqed n ufaylu» deg Ijara équipement deg Lezzayer yessefk ad ibedd ɣef Asebter unṣib d Al Salam Bank Algeria – LPA/LPP/LSP/LPL; s wakka tzemreḍ ad tferneḍ gar tewtilin i d-yettwaseknen s wudem unṣib.
Isemliyen ilaqen
Hypothèque, caution d assurance ur sɛin ara yiwen n wazal neɣ yiwet n talast; senqed-iten uqbel asezmel. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Ḍmana d assurance zemren ad beddlen lkelfa n taggara.
Senqed tiwtilin
Afaylu ilaq ad yesken tamagit, idrimen d yiswi n uselhu s yisemliyen i nezmer ad nesneqed. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Mensualité tameẓyant ur d-temmal ara dima lkelfa tameẓyant deg taggara.
Azal i iwatan
Revenu ilaq ad yili d ameɣtu yerna yettwasenqed; banka tesmenyif-it d leɛtab yellan uqbel lqrar. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Iɣbula n talɣut ilaq ad ilin zemzen yerna ttwasnen. Tiwtilin s tira n umselhu i d amekti uqbel reklama.
Tiririt uqbel
Asɣar, leqdic, stock neɣ trésorerie ur sɛin ara yiwen n uferdis neɣ yiwen n wakud. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Banka tezmer ad tɛawed asenqed ma tbeddel talɣut tagejdant deg ufaylu.
Lkelfa d lmasarif
Iswi n tedrimt ilaq ad yili ibanen yerna yesɛa facture, devis neɣ aqerḍas. Accord de principe mačči d offre contractuelle n taggara. Tiwtilin s tira n umselhu i d amekti uqbel reklama.
Iberdan-nniḍen
Mourabaha, Ijara, Salam d Moucharaka ur sɛin ara yiwet n tɣessa; senqed kontrat mačči isem kan. Tifrat tamezwarut d ayen i d-yettwabeyyinen deg kontrat, facture neɣ tarification unṣibt.
Amek banka tessemras tazmert n ussuli?
Deg finance islamique ilaq ad nettwassen kontrat s tidet: anwa i yesɛan ayla d wamek tettwaḥsab marge neɣ loyer. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Revenu yettwaḥesben ilaq ad yettwabeyyen s yisemliyen imaynuten.
Idrimen i d-keččmen
Mourabaha, Ijara, Salam d Moucharaka ur sɛin ara yiwet n tɣessa; senqed kontrat mačči isem kan. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Tiririt s yimi ilaq ad tettwasekcem s tira ma tbeddel lkelfa neɣ ḍmana.
Aseǧhed n ufaylu
Asɣar, leqdic, stock neɣ trésorerie ur sɛin ara yiwen n uferdis neɣ yiwen n wakud. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Tiririt s yimi ilaq ad tettwasekcem s tira ma tbeddel lkelfa neɣ ḍmana. Simulation online mačči d lqebul n uselhu.
Simulation d lqebul
Asnemhel yelhan yesɛa yiwen n wazal d yiwen n wakud i yisumar akk; simulation mačči d lqebul n banka. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Tiririt tagejdant seg agence yelha ad tettwasentem s tira.
Aserreḥ n tedrimt
Kontrat i d amekti n wazal, akud, frais d ḍmana; publicité ur t-teṭṭef ara deg umḍiq-is. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Azal yettwasutren ilaq ad icudd ɣer usurif i yettwasenqed.
Akud n ussuli
Kontrat i d amekti n wazal, akud, frais d ḍmana; publicité ur t-teṭṭef ara deg umḍiq-is. Aferdis ilaq ad icudd ɣer yiswi n tidet, idrimen d wakud i yezmer umdan ad yessuli. Isemliyen ilaq ad sɛun imḍanen yemṣadan gar-asen.
Isumar unṣiben i usnemhel
Asenqed n «Isumar unṣiben i usnemhel» deg Ijara équipement deg Lezzayer yessefk ad ibedd ɣef Asebter unṣib; s wakka tzemreḍ ad tferneḍ gar tewtilin i d-yettwaseknen s wudem unṣib.
| Banka | Talɣut | Asaɣ |
|---|---|---|
| Al Salam Bank Algeria | financements conformes à la charia pour particuliers et professionnels | Asebter unṣib |
| Al Salam – financement véhicule | vente à tempérament/financement automobile conforme à la charia | Asebter unṣib |
| CPA – e-Tamwil islamique | Mourabaha, Ijara et financements islamiques accessibles via e-Tamwil | Asebter unṣib |
| Banque d’Algérie – règlement 2020-02 | cadre des opérations de banque relevant de la finance islamique | Asebter unṣib |
| BNA – finance islamique | gamme de financements islamiques de la banque | Asebter unṣib |
Tiɣbula n tibanka i icudden ɣer usentel
I «Tiɣbula n tibanka i icudden ɣer usentel», Asebter unṣib d Al Salam Bank Algeria – LPA/LPP/LSP/LPL d imukan i ilaq ad tettwaliḍ uqbel asuter; aya ad k-yeǧǧ ad tesmenyifeḍ talɣut i d-yettwanan ɣef Ijara équipement deg Lezzayer.
Al Salam Bank Algeria – LPA/LPP/LSP/LPLAsebter unṣib i usenqed n tewtilin d tulmisin n uselhu i d-yettwabedren.Al Salam Bank Algeria – financement immobilierAsebter unṣib i usenqed n tewtilin d tulmisin n uselhu i d-yettwabedren.Banque d’Algérie – cadre réglementaireAsebter unṣib i usenqed n tewtilin d tulmisin n uselhu i d-yettwabedren.CPA – e-TamwilAsebter unṣib i usenqed n tewtilin d tulmisin n uselhu i d-yettwabedren.CPA – Mourabaha Aqar non-résidentsAsebter unṣib i usenqed n tewtilin d tulmisin n uselhu i d-yettwabedren.