Akridi i umetqaɛed: lexlaṣ iɣef tɛekkzeḍ, akud yettwaḥedden
I lbanka, ametqaɛed yesɛa udem yemgaraden. Tasunta-s tettɣelli yal ayyur war aɣbel n usufeɣ seg uxeddim neɣ n taggara n lɛeqd, ayen i tt-yerran gar yidrimen yettwassnen ugar di tmurt. Deg tama nniḍen, leɛmer-is yessewzal akud anda tqebbel tsudawt ad tefk akridi, yerna asurans i yettḍemmanen aɣbel n tmettant yettuɣal yessutur ugar mi ara yettnerni leɛmer-nni. D asdukkel-a i yesbadun ayen tezmreḍ ad tawiḍ.
S tidet, yal lbanka tettbeddu leɛmer ur ilaq ara ad t-iɛeddi umereḍṭal mi ara d-tɣelli tixelṣit taneggarut. Talast-a mačči d yiwet deg yal amkan, tezmer daɣen ad temgarad ilmend n ufaris: akridi n usečči ɣef sin n yiseggasen ur d-yessuffuɣ ara isteqsiyen-nni n ukridi n uxxam ɣef xemsṭac n yiseggasen. Ilaq ad tt-tessutreḍ s tira seg temlilit tamezwarut, acku d nettat i yesbadun ayen akk d-yeqqimen deg usiḍen.
Ad tettwaqbel tsunta-k am lexlaṣ
Titre de pension d attestation CNR
Tawriqt tagejdant d titre de pension i d-tettak Caisse nationale des retraites, s attestation tamaynut n wazal yettwaxelleṣen. I umeɛsker aqbur neɣ i bab n uzref n tkeṛḍa tusligt, tasudawt i yettxelliṣen tettak-d ayen yecban. Amaslaḍ n lbanka yesneqqad azal azeddig yettwaṭṭfen s tidet, deffir tukksiwin ma llant, mačči azal amatu yuran deg tewriqt taqburt.
CCP neɣ amiḍan n lbanka
Aṭas n yimetqaɛden ttawin tasunta-nsen deg ugišit n lbusṭa, ɣef CCP-nsen. Lbanka i d-yettaken akridi s umata tebɣa ad tekkes tixelṣit seg umiḍan i tessefrak. Ihi s waṭas ilaq ad tessutreḍ seg CNR ad tesnifel axelleṣ n tsunta ɣer lbanka i k-d-yefkan akridi, tikli-a tettawi akud yerna ilaq ad tt-tezwireḍ. Kra n tsegwa qebblent kan ordre de virement permanent, tiyaḍ ala.
Idrimen nniḍen
Akraḍ yettwaṭṭfen, armud n tnezzut yettwasbeddan neɣ tasunta tis snat (réversion, tasunta n berra) zemrent ad semdent lexlaṣ, ma yella ttwaseḥqen s bail yettwajerden, s extrait de rôle neɣ s attestation n tsudawt n berra. Idrimen ur nettwasbeddan ara, ɣas ilawen, ur ttwaḥesben ara.
Asurans n umereḍṭal, tikli tagejdant i umeqqran
Qrib akk ikriditen n yimdanen ttwasdukklen s usurans n tmettant d ujeṛṛeḥ i yettxelliṣen ayen d-yeqqimen deg ukridi ma yemmut umereḍṭal. I umetqaɛed, asurans-a yezzay ugar ɣef ssuma tamatut, yerna asteqsi n tdawsa, tikwal s tmuqqli ɣer umejjay yettwasirgen, yezmer ad yettwasuter ma yella wazal yugar talast. Tiririt ur nelli d tidet deg usteqsi tezmer ad teǧǧ asurans ad yugi ad yexleṣ ticki, ayen ara yeǧǧen ttlaba i yiwarisen.
Uqbel ad tezmleḍ, ilaq ihi ad tessutreḍ ssuma n usurans s ddinar deg wakud akk, mačči kan ssuma n ukridi. Asebter-nneɣ ɣef usurans n umereḍṭal di Lezzayer yessefham amek ara teɣreḍ tiḍmanin-a.
Akridi i umetqaɛed: anwi isuturen ara tesellfeḍ, s wanwa afaris
| Asuter n umetqaɛed | Tifrat ara tmuqleḍ | Ayen ilaqen ad t-tḥadreḍ |
|---|---|---|
| Ibenkan n uxxam | Akridi n usečči ɣef tɣawsa yettwafarsen di Lezzayer | Akud wezzilen, tafaktuṛt n uzenzay yesɛan lɛeqd |
| Ixeddimen n uɛiwed neɣ n useɣti n uxxam | Akridi n yixeddimen neɣ akridi n uxxam wezzilen | Devis yettwafsren, lekwaɣeḍ n tlelli |
| Ssṛef ixussen, ssṛef n tdawsa | Akridi s rehn n wureɣ (ladɣa BDL) | Aɣbel ad yettwazenz ufelfel ma ur txelṣeḍ ara |
| Ad tɛiwneḍ mmi-k ad yaɣ | Areḍṭel akked mmi-k | Akud yettwasbedd ɣef leɛmer n umeẓyan |
Akridi n usečči yeqqim d tifrat i yettwaṭṭfen ugar: idrimen imeḥdan, akud wezzilen, adossier fessusen. Tiwtilin-is timatutin ttwagzment deg umnir-nneɣ n akridi n usečči. I ssuma n yiwet n tikkelt, rehn n yibezzaz n wureɣ yessenfal tasleḍt n lexlaṣ d usurans n tmettant, maca yezmer ad k-iḍegger ad tesruḥeḍ taɣawsa ma ur terriḍ ara idrimen deg wakud; amek iteddu yettwaglem deg usebter-nneɣ akridi s rehn di Lezzayer.
Asiḍen n tixelṣit yemṣadan d tsunta
Amedya i usfehem (ssuma yettwaxemmen, ilaq ad tettwasnifel s tin n tefkit tidetant): ametqaɛed yettawi tasunta tazeddigt n 45 000 DA. Yebɣa ad yereḍṭel 200 000 DA ɣef 18 n wayyuren akken ad yesbeddel axxam n yiruḍ. S ssuma n useggas yettwaxemmen n 7 %, tixelṣit n wayyur ad tili azal n 11 740 DA, d qrib 26 % n tsunta, yerna lfayda yemyernan ad taweḍ qrib 11 300 DA. Ilaq ad ternuḍ asurans d frais de dossier, i yezmer kan lbanka ad ten-tesmiḍen.
Asiḍen-a ur yekfi ara: ilaq ad tesneqdeḍ ayen ara d-yeqqimen mi ara txelṣeḍ tixelṣit. S wazal n 33 000 DA i d-yeqqimen, axxam ilaq mazal ad yexleṣ učči, trisiti, lgaz, isafaren ur nettwarra ara d tallalt i warraw ma tella. Ametqaɛed i yettɛawanen yakan s waṭas deg ssṛef n twacult meqqren yif-it ad yesreṣ azal ɣef wakken ad yessewzel akud, acku yal aseggas nniḍen yettnerni deg ssuma n usurans yerna yettqerrib-d talast n leɛmer.
Amereḍṭal wis sin, aḍamen d tewrit
Ad tesdukkleḍ mmi-k
Mi ara yili usenfar meqqer, am uqeḍḍu n uxxam neɣ lebni, tifrat yettuɣalen ugar d akken ad yeṭṭef akridi mmi-s yettxeddmen, ad yekcem umetqaɛed am umereḍṭal wis sin neɣ am win i d-yettaken tazwart. Lbanka ad tesseḥseb akud ilmend n leɛmer n umeẓyan, ad tesdukkel lexlaṣ-nsen. Maca ilaq ad tesfehmeḍ seg tazwara anwa ara yilin d bab n uxxam, d acu ara yettwarun deg lekwaɣeḍ n umusnaw (notaire) d wamek ara ttwaḥesben yiwarisen nniḍen.
Ur ttaǧǧa ara ttlaba i yiwarisen
Ilmend n yilugan n tewrit, ttlaba n umeyyet ttwaxelṣent seg tewrit uqbel ad tettwabḍu. Asurans yettwazemlen akken iwata yessenfal aya. War-s, akridi yellan mazal yezmer ad yerr iwarisen ad zzenzen ayla neɣ ad xelṣen s yiman-nsen. D tamentilt nniḍen akken ad tezwireḍ idrimen imeḥdan.
Akridi i umetqaɛed: aḥader uqbel azmal
- Ssuter leɛmer ameqqran yettwaqeblen deg taggara n ukridi d ssuma tamatut n usurans s ddinar.
- Senqed ma yettwasuter usnifel n tsunta ɣer lbanka d wacḥal n wakud i yettawi.
- Ur sdukkul ara aṭas n yikriditen: fichier central des risques n Banque d’Algérie yesbanay-iten-id, yerna adossier wis sin ad yettwagi; asebter-nneɣ ɣef akridi s ttlaba iweɛren yemmeslay-d ɣef waya.
- Ḥader imsenqalen i yettqessiden imetqaɛden s uwaɛad n ukridi s zzerb ma txelṣeḍ idrimen uqbel.
- Ḥrez kra n yidrimen i ssṛef n tdawsa, i yettuɣalen ugar mi ara yettnerni leɛmer.
- Steqsi ɣef tririt uqbel akud: ma yella ad d-tawiḍ idrimen ticki (azenzi n uyla, amur n tewrit), ad tezmreḍ ad tekfuḍ akridi i umetqaɛed war lexṭiya meqqren d tagnit tidetant.
Taggara, ametqaɛed i yettɛeǧǧiben gar waṭas n tefkiwin yif-it ad yesserwes kraḍ n yiferdisen i wazal-nni kan: tixelṣit n wayyur, ssuma tamatut s lfayda, d ssuma n usurans deg wakud akk. Tafkit s ssuma drus kan sdaw maca s usurans ɣlayen mačči d tin yelhan ugar ihi. Ma truḥeḍ ɣer lbanka akked yiwen seg twacult, akken ad tɛawdeḍ taɣuri n tewriqin s tusdidt, ad testeqsiḍ isteqsiyen iweɛren, d aḥader fessusen i ḥemmlen daɣen imaslaḍen s yiman-nsen.
Isteqsiyen yettuɣalen
Ametqaɛed yezmer ad yawi akridi n lbanka di Lezzayer?
Ih. Tasunta i d-tettak CNR d lexlaṣ ilaw i ttḥasabent tbankiwin. Ayen i yettḥebbisen s waṭas d talast n leɛmer n yal lbanka deg taggara n tririt, i yessewzalen akud. Ilaq daɣen ad tqebleḍ asurans n tmettant d ujeṛṛeḥ, tikwal s usteqsi n tdawsa. Ikriditen wezzilen s wazal imeḥdan ihi d wid i yeshalen ugar.
Ar acḥal n leɛmer i tezmreḍ ad tereḍṭleḍ?
Ulac alugen asuf i tbankiwin akk n Lezzayer: yal yiwet tettbeddu leɛmer-is ameqqran deg taggara n ukridi, tikwal yemgarad ilmend n ufaris. Talast-a d nettat i yesbadun akud yettwafken. Ayen yelhan d akken ad tt-tessutreḍ s tira seg waṭas n tsudwin, s usebgen n ṣṣenf n ukridi i tebɣiḍ, uqbel ad theggiḍ adossier ummid.
Ilaq ad tesnifleḍ tasunta-k ɣer lbanka?
S waṭas, ih. Lbanka tḥemmel ad tekkes tixelṣit seg umiḍan i tessefrak, maca aṭas n tsunta ttwaxelṣent ɣef CCP. Asnifel n uxelleṣ yettwasutar ɣer CNR yerna yettawi kra n wakud. Kra n tsegwa qebblent virement permanent seg CCP; ilaq ad tesneqdeḍ alugen yettwasnasen uqbel ad tessekcmeḍ adossier.
Akridi s rehn yelha i umetqaɛed?
Yezmer ad yelhu i ssṛef n yiwet n tikkelt: idrimen ttwafkan s users n yibezzaz n wureɣ, war tasleḍt n lexlaṣ, war asurans n tmettant. Deg tama nniḍen, taɣawsa tezmer ad tettwazenz ma yella idrimen ur ttwarran ara neɣ ur ttwasewzlen ara deg wass yettwasbedden. Ilaq ad tissineḍ frais de garde, akud d tikli n usewzel uqbel ad terreḍ ibezzaz-ik.
Tisuddas n wereḍḍal ara testeqsiḍ
Trust Bank Algeria — RahatiTabanka tusligt yettwasirgen sɣur Banque d'Algérie — Asmuddu n usemres Rahati n Trust Bank Algeria, s usimulatur n wardal deg Internet.Al Baraka — Taksit Al BarakaTabanka tineslemt yettwasirgen sɣur Banque d'Algérie — Asmuddu s Mourabaha alamma d 1 000 000 DA ɣef 12 ar 60 n wayyuren, s tseṭṭfin n wayyur yerkden, yettwassnen si tazwara.BNA — Crédit ConfortTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n usemres n BNA i uɣal n tɣawsiwin yettwafarsen neɣ yettwasudsen di Lezzayer, yettuxelleṣ s tseṭṭfin n wayyur yerkden.CPA — C Plus ConsoTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n usemres n CPA i yixeddamen, i usewjed n uxxam s tɣawsiwin yettwaxedmen da di tmurt.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.