Anawen n wereḍḍal di Lezzayer: amnir ummid

Bdu s usenfar, mačči s ufaris

Di Lezzayer, afran n wereḍḍal yettebdu s yiwen n usteqsi fessusen: d acu i tebɣiḍ ad t-tesɣeḍ, u deg acḥal n wakud ara d-terreḍ idrimen? Axxam, takeṛṛust, allalen n uxxam, tawuri n lxedma neɣ aṣeṛṛef n tallit, mačči d yiwen n ufaris i ten-yesεan. Yal anaw s ttawil-is: akud n tuɣalin n yedrimen, ḍḍmanat i d-ttsuturen, ayen ara d-tefkeḍ seg tdrimt-ik d yisemliyen. Ma tessbeyneḍ tuttra-k seg tazwara, ad teṛwleḍ i ufaris ur nwulem ara d tugin n ufaylu-k.

Anawen igejdanen ttwassnen: areḍḍal n uxxam akken ad taɣeḍ, ad tebnuḍ neɣ ad tesseggmeḍ; areḍḍal n tkeṛṛust d leasing; areḍḍal n useqdec; tadrimt n tkebbaniyin, n yixeddamen n ufus d yifellaḥen; areḍḍal amecṭuḥ i tewriwin timecṭuḥin; d lḥiwaǧ n tallit am Remḍan, Lɛid neɣ tuɣalin ɣer uɣerbaz. I yal anaw, aṭas n tbankiwin ttakent-d ula d ṣṣifa yemṣadan d tdrimt tineslemt. Imniren yellan ddaw-a fessren yal tagnit s telqay.

Akk imniren-nneɣ s wanaw n wereḍḍal

Affacturage di Lezzayer: amek iteddu, ssuma d udossierAffacturage di Lezzayer yeǧǧa tasudawt ad tefk tifaktuṛin n yimsaɣen-is i tsudawt tusligt neɣ i lbanka, ara as-yeslefen amur ameqqran n wazal-nsent war ma tettraǧu ass n…Akridi n ikerri n Lɛid Tameqqrant di Lezzayer: tifranin tidetS umata, ulac di Lezzayer akridi n ikerri n Lɛid Tameqqrant (Aïd El-Adha) yettwasumren d afaris abankan amagnu: akridi n usečč yettwaǧǧa i wayen yettwafarsen neɣ…Tadrimt n Remḍan di Lezzayer: akridi, tiḥrest d ssumatTadrimt n Remḍan di Lezzayer tettali ugar ilmend n učči, n yinebgawen, n zakat el-fitr d uɣ n Lɛid Tamecṭuḥt (Aïd El-Fitr), mi ara yeqqim lexlaṣ kif-kif. Ulac akridi…Akridi yettɛawaden di Lezzayer: yella s tidet?Akridi yettɛawaden (crédit renouvelable) di Lezzayer, yeɛni tiḥrest n yidrimen ara d-yettuɣalen ttɛemmiren mi ara txelṣeḍ, mazal ur yettwassen ara aṭas ɣur yimdanen.…Asefrek amttekki di Lezzayer: taɣessa d tarraytAsefrek amttekki (crowdfunding) di Lezzayer yebɣa ad yini ajmaɛ n yidrimen n waṭas n yimttekkiyen s tɣerɣert (plateforme) akken ad yettwasefrek usenfar, s udem n…Leasing n tkeṛṛust di Lezzayer: crédit-bail, ijara d ssumaLeasing n tkeṛṛust di Lezzayer yettawi talɣa n crédit-bail: tasudawt n leasing neɣ lbanka ad taɣ takeṛṛust, ad ak-tt-tekṛu aṭas n yiseggasen, syin ad k-teǧǧ ad tt-taɣeḍ…Amikrukridi deg Lezzayer : ANGEM, idrimen d udusiAmikrukridi deg Lezzayer yettwaxdem i usekker neɣ i usǧehed n urmud meẓẓiyen mliḥ : taxxamt n lxedma deg wexxam, taḥanutt tamecṭuḥt, ttawilat n uxeddim n ufus, tutlin n…Areṭṭal n tkeṛṛust deg Lezzayer : CPA, BNA, Al SalamAreṭṭal n tkeṛṛust deg Lezzayer yerza ugar tikeṛṛusin timaynutin yettwaxedmen neɣ yettwasdukklen da di tmurt : CPA yesnernay alamma d 90 % n ssuma s 10 % kan seg…Akridi n usečči deg Lezzayer : CPA, BNA, BEAAkridi n usečči deg Lezzayer yesnernay taɣuri n tɣawsa yettwassnen, s wudem amatu yettwaxedmen neɣ yettwasdukklen da di tmurt : ttawilat n wexxam s trisiti, imeɣlaf,…Areṭṭal gar yimdanen deg Lezzayer : ilugan d tixidasAreṭṭal gar yimdanen deg Lezzayer d asaḍufan, maca Tangalt taɣelnawt tebɣa-t d ilelli : amdan ur yezmir ara ad yessuter lfayda ɣer win i wumi yefka. Akken ad tgeḍ…Areṭṭal n umsebdad deg Lezzayer : akridi, ḍḍmana, dossierAreṭṭal n umsebdad deg Lezzayer yettwafran s wayen yettwasran : découvert neɣ facilité de caisse i yidrimen n yal ass, akridi n tallit talemmast neɣ leasing i tmacint,…Areṭṭal i umsexdam n tnebḍit deg Lezzayer : iberdanUlac yiwen n ufaris s yisem « areṭṭal i umsexdam n tnebḍit deg Lezzayer », maca amsexdam n tnebḍit yettwasbedden yesɛa sin n yiferdisen yelhan : anekcum ɣer yiṛeṭṭalen n…Areṭṭal n wexxam deg Lezzayer : BDL, BEA, CNEP d dossierAreṭṭal n wexxam deg Lezzayer yezmer ad yesnerni taɣuri n wexxam amaynut neɣ aqbuṛ, taxxamt ɣef uɣawas, lebni ɣef wakal-ik neɣ ixeddimen n usimɣer. BDL tenna-d alamma d…Areṭṭal udmawan di Lezzayer: tifrat tilawin d ufayluAreṭṭal udmawan di Lezzayer, s unamek n yidrimen i yettwaxelṣen s tlelli ɣer umiḍan, mazal-it drus deg tbankiwin. Deg tilawt, lḥaǧa tettwaxelleṣ s ukridi n usečči…Areṭṭal i tmeṭṭut di Lezzayer: iberdan, tibankiwin, afayluUlac areṭṭal i tmeṭṭut di Lezzayer i yettwaḥerzen s lqanun i tlawin kan deg tbankiwin: anekcum yeqqen ɣer lmedxul d usenfar. Maca kra n yiberdan n uwanek am ANGEM rran…Areṭṭal i umdan s lɛaqa di Lezzayer: amnirAreṭṭal i umdan s lɛaqa di Lezzayer yettwabnu am yal akridi, seg lmedxul ameẓlug, maca s kra n tlelliyin: tagnit n tsnuṭrit, ttamin n tmettant d lɛaqa, azmal d unekcum…Areṭṭal n tmeɣra di Lezzayer: tameɣra war ttlabaAreṭṭal n tmeɣra di Lezzayer ulac-it d tafrat n lbanka i yiman-is: ibenkan n uxxam ttwaxelṣen s ukridi n usečči, tameɣra s yidrimen yettwasmennan neɣ s uṛeṭṭal n lxedmat…Areṭṭal war ikaɣaḍen di Lezzayer: ayen yezmren ad yiliAreṭṭal war ikaɣaḍen di Lezzayer ulac-it deg lbanka yettwaqeblen: yal akridi yebna ɣef tmagit, ɣef lmedxul neɣ ɣef ḍḍmana yettwasneqden. Maca llant tifrat i yessuturen…Ameṛḍil s rrehn di Lezzayer: ddheb, aktazal d wugurenAmeṛḍil s rrehn di Lezzayer yeǧǧa-k ad d-tawiḍ idrimen s zzerb, ma terriḍ iqcucen n ddheb d tamanegt, war ma tesbeggneḍ tawriqt n lexlaṣ deg tuget n tegnatin. BDL d…Rachat n ukridi di Lezzayer: tifrat n tidet d tarraytRachat n ukridi di Lezzayer ur yelli ara d afaris i yal yiwen am di Turuft: drus n tesbankiwin i yettaɣen imeṛḍilen n tbanka nniḍen akken ad ten-sdukklent. Maca llan kra…Taḍmant n umeṛḍil di Lezzayer: tiḍmanin, azal, tadyantTaḍmant n umeṛḍil (assurance emprunteur) di Lezzayer tettḥerriz lbanka d twacult-ik ma yella ur tzemreḍ ara ad terreḍ s ssebba n tmettant neɣ n ṛeɛya. I ukridi n uxxam,…Takarḍa n akridi di Lezzayer: CIB, Visa d tlisaDi Lezzayer, tuget n tkerḍiwin i d-yettwazenzen am « takarḍa n akridi » d tikerḍiwin n uxelleṣ kan i yettekksen srid seg umiḍan-ik. Atan amek ara tferzeḍ CIB, Edahabia d…Asellek n usnulfu n tkebbanit di LezzayerAsellek n usnulfu n tkebbanit di Lezzayer s umata yesdukkul tettekkit tudmawant, akridi n lbanka d, akken yella umdan, aɣawas azayez am ANADE neɣ ANGEM. Tasarut d akken…Akridi n tfellaḥt di Lezzayer: tamuɣli, allalen, lmalAkridi n tfellaḥt di Lezzayer yebḍa ɣef snat n twaculin timeqqranin: akridi n tmuɣli (campagne), i d-yettaken zik iẓẓuṛan, ameslay (engrais) d lmesruf n yiwet n tmuɣli,…Akridi n kamyu di Lezzayer: takeṛṛust n uxeddim, tazwart, dossierAkridi n kamyu di Lezzayer qlil ma yettwasellef am tkeṛṛust n twacult: mi ara tili tkeṛṛust i urmud, tabanka tettwali-tt am usegrew n uxeddim, s yisem n tkebbanit neɣ n…Akridi n lebni n uxxam di Lezzayer: abudget d tḥricinAkridi n lebni n uxxam di Lezzayer yesmewal lebni n uxxam ɣef wakal i tesɛiḍ, s yidrimen ara d-yettwaksen akken yettqeddim uchantier. Akken ad t-tawiḍ, ilaq atitre n…Akridi yettwagin di Lezzayer: fhem sebba, ɛawed-dMbeɛd akridi yettwagin di Lezzayer, tikli n tuɣalin din din s yiwet n tuttra ɣer lbanka nniḍen ur tessawaḍ ara s waṭas. Ilaq tazwara ad tafeḍ sebba n tidet n tugdi, ad…Ttalaf yewɛren di Lezzayer: ad d-terreḍ afus-ikMi ara tečč tikkal n uxelleṣ amur ameqqran n lexlaṣ, anadi ɣef ukridi amaynut yesnernay qrib yal tikkelt ttalaf yewɛren di Lezzayer. Ayen yezwaren d asekyed s telqay n…Akridi n tezmert n yiṭij di Lezzayer: smewel panneauxAkridi n tezmert n yiṭij di Lezzayer yesmewal panneaux photovoltaïques, onduleur, batteries neɣ kit n pompage i yiger, i tḥanut n uxeddim, i tḥanut n tnezzut neɣ i…Akridi n yiǧhazen imahilen di Lezzayer: timacininAkridi n yiǧhazen imahilen di Lezzayer yesmewal aɣ n tmacint, n yifecka, n tkeṛṛust tazeggart neɣ n usebdad ara iqdcen aṭas n yiseggasen i tsudawt. Ilmend n ssuma, n…Akridi i unelmad di Lezzayer: tifrat n tidet d ubudǧiUr yelli ara akken ilaq akridi i unelmad di Lezzayer, s unamek n lekra n lbanka yettunefken i unelmad s yiman-is. Deg tilawt, leqraya tettwasfeǧǧa s lekra i d-yettawi…Akridi import-export di Lezzayer: crédoc, ḍmanat, tazzyaAkridi import-export di Lezzayer yesdukkul tiknikin ara yesfeǧǧen yerna ad ḥerzen tanezzut tagraɣlant: akridi n tewraqin (crédit documentaire), tazznezt n tewraqin…Akridi n usegmi i tsudawt di Lezzayer: amnir 2026Akridi n usegmi i tsudawt di Lezzayer yesfeǧǧ ayla yettdumen s tallit talemmast neɣ tazegrart, s umata s tallit n uṛaǧu deg tazwara. Lbanka tettmuqqul ugar tazmert n…Akridi n uxxam AADL di Lezzayer: iḥricen d leqdicAkridi n uxxam AADL di Lezzayer mačči d lekra n lbanka i tiɣin n uxxam: akraw-azenzi yettwasfeǧǧa sɣur AADL s yiman-is. Lbanka tettekki kan akken ad txelleṣ yiwen n…Akridi n tmutut d scooter di Lezzayer: ifarisen, adossierAkridi n tmutut di Lezzayer yettsedday tiɣin n tmutut tamaynut, s umata yettwaxedmen neɣ yettwasdukklen da di tmurt, ɣef tallit wezzilen. BNA tessufeɣ-d Crédit Moto…Akridi n tedrimt n tkebbanit di Lezzayer: tiferkiyin d BFRAkridi n tedrimt n tkebbanit di Lezzayer yettnefɛen i usellef n tezzya n uxeddim — aḥraz, lexlaṣ, akud n uxelleṣ n yimsaɣen — mačči i usegrew. Tibankiyin ttakent aṭas n…Lekra i uḥerfi azzayri: sdrem tanuḍfa d yibenkanLekra i uḥerfi azzayri tettwaseqdac i usɣa n tmacint, aheggi n umkan neɣ asnejmeɛ n stock n yilɣa, u lbanka tebɣa qbel kulši ad twali belli armud yezmer ad ixelleṣ…Akridi i yilemẓi azzayri: tifrat, adossier d yifextanUlac lbanka di Lezzayer i yettzenzen akridi i yilemẓi azzayri s yisem-a: ilemẓi yettereḍṭal s yifarisen-nni kan n yimsaɣen nniḍen, maca s umezruy wezzilen. Ilmend n…Akridi i umetqaɛed di Lezzayer: leɛmer, tasunta d usuransAkridi i umetqaɛed yezmer ad yili di Lezzayer: tibankiwin qebblent tasunta i d-tettak CNR am lexlaṣ ilaw, maca leɛmer ara d-yaweḍ umereḍṭal deg taggara n tririt d ssuma…Akridi i startup tazzayrit: label, ifunduyen d tbankiwinStartup tazzayrit qlil ma tettawi akridi n lbanka amagnu deg tazwara, acku ulac ɣur-s chiffre d’affaires neɣ tiḍmanin. Asellef yettwabna ihi s yisurifen: idrimen…Akridi i taksi di Lezzayer: takeṛṛust, licence d yidrimenAsellef n taksi di Lezzayer d asellef n ufecku n uxeddim: lbanka neɣ tasudawt tettmuqul licence n usexdem, takeṛṛust yettwafernen, ladɣa ma yella yidrimen n yal ass…

Tibankiwin n Lezzayer s wawal wezzilen

Amḍiq ameqqran yezga ɣer tbankiwin tizayezt: BNA, CPA, BEA, BDL, BADR d CNEP-Banque, tagi taneggarut tella seg zik tmuqel ɣer usekles n yedrimen d uxxam. Ɣer yidis-nsent, llant tibankiwin tusligin, aṭas seg-sent d tifurkin n tkebbaniyin tiberraniyin, akked tsuddas n tdrimt i yxeddmen leasing. Akk ttxeddament s turagt n Lbanka n Lezzayer, i ten-iɛessan, i d-yessbadun ilugan n uḥraz yerna yessedduy centrale n wugur ara yettwasenqden uqbel yal areḍḍal.

Kra n tbankiwin tizayezt ldint ttwiqat n tdrimt tineslemt, ma d Al Baraka Bank d Al Salam Bank ttakent-d kan ifarisen yemṣadan d ccariɛa. Ayagi yebɣa ad d-yini belli yiwen n usenfar yezmer ad yettwasɣer s wereḍḍal aklasiki s lfayda, neɣ s mourabaha, s ijara neɣ s istisna’a. Yelha ad tessutreḍ snat n tsumar akken ad tesserwseḍ asqam ummid, iṣeṛṛfen-nniḍen d tiwtilin n tuɣalin n yedrimen uqbel akud-nsen.

Aseqdec, axxam, takebbanit: ilugan ibeddlen kullec

Areḍḍal n useqdec di Lezzayer yesεa alugen-is: yettwaḥbes kan i lḥwayeǧ yettwaxedmen neɣ yettwasudsen deg tmurt. Allalen n uxxam, tikeṛṛusin yettwasudsen di Lezzayer d kra n yiẓewwan zemren ad ttwasɣren, ma d lḥaǧa i d-yekkan seg beṛṛa ur tettwasɣer ara s webrid-a. Ihi, uqbel ad tezmleḍ tasuturt ɣer umsenz, senqed ma yella lḥaǧa-nni teqbel, ma yella tuqqna tella s tidet gar umsenz-nni d tbanka-k.

I wereḍḍal n uxxam neɣ n lxedma, tabanka tettmuqul ugar ɣer tezmert-ik n tuɣalin n yedrimen: lexlaṣ yeddun s wudem, aṭas n yiseggasen deg lxedma, ddyun i tesεiḍ yakan d ḍḍmanat am rrhen n uxxam neɣ aḍmin. Tikebbaniyin ilaq ad d-fkent tifelwin n tdrimt d uɣawas n usɣer yettwamnen. Deg yal tagnit, ssuter simulation yettwarun, serwes asqam ummid mačči kan taxelṣit n wayyur, u senqed ɣer tsuddest tiwtilin n tura, acku zemrent ad beddlent.

Isteqsiyen yettuɣalen

Anwa areḍḍal ara fferneɣ akken ad naɣ axxam di Lezzayer?

Tifrat i d-yettuɣalen d areḍḍal n uxxam aklasiki neɣ ayen i as-yemṣadan di tdrimt tineslemt: mourabaha, ijara, neɣ istisna’a i lebni. Afran yeqqen ɣer wamek i tettwaliḍ lfayda, ɣer wayen ara d-tefkeḍ seg tdrimt-ik d wanaw n uxxam. Ihilen n tmurt am AADL neɣ LPP sεan abrid-nsen: ɣer imniren-nneɣ, steqsi tabanka.

Nezmer ad nesɣer yal lḥaǧa s wereḍḍal n useqdec?

Ala. Di Lezzayer, areḍḍal n useqdec yettwaḥbes i lḥwayeǧ d yiẓewwan yettwaxedmen neɣ yettwasudsen deg tmurt, ma d ayen i d-yekkan seg beṛṛa ur yeqbil ara s webrid-a. Amsenz d tbanka zemren ad ak-d-inin, uqbel ad tezmleḍ, ma yella lḥaǧa i tferneḍ tekcem s tidet deg uɣawas-a.

Tibankiwin tusligin ttakent-d yiwen n yireḍḍalen am tbankiwin tizayezt?

Anawen igejdanen n yifarisen llan deg sin yiẓeḍwan, maca tiwtilin, akud n uxeddim n ufaylu d wid i d-ttmuqulent mgaradent. Tibankiwin tizayezt sεant ugar n tiwkalin deg tmurt, ma d kra n tbankiwin tusligin ttmuqulent ugar ɣer yixeddamen s lexlaṣ neɣ ɣer tkebbaniyin. Aserwes n waṭas n tsumar yettwarun d abrid yelhan.

Tisuddas n wereḍḍal ara testeqsiḍ

BEA — Crédit consommationTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Banque Extérieure d'Algérie tettmuddu adrim i uɣal n tɣawsiwin n usemres s wardal yettuxelleṣ s leɛqel.BDL — Crédit ConfortTabanka tamenḍawt yettwasirgen sɣur Banque d'Algérie — Ardal n BDL i uɣal n yibenkan n uxxam neɣ n tkeṛṛust yettwaxedmen da di tmurt.BNP Paribas El Djazaïr — Crédit à la consommationTabanka tusligt s yirasmalen n berra, yettwasirgen sɣur Banque d'Algérie — Ardal n usemres i usmuddu n tɣawsiwin n usewjed, s usimulatur deg Internet.Fransabank El Djazair — Le crédit ConsoTabanka tusligt s yirasmalen n berra, yettwasirgen sɣur Banque d'Algérie — Ardal n usemres n Fransabank El Djazair i yinezfan udmawanen n yimdanen.

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.

Iɣbula unṣiben

CNL — Tasenduqt taɣelnawt n uxxam, tallalin timenḍawin ENPI — tinezduɣin n usenhar timenḍawin (LPP)

Anwa areḍḍal ara tferneḍ di Lezzayer?