شهادة الحيازة كآلية لضمان القروض البنكية

الملخص EN

the Algerian legislature granting banking institutions the right to grant bank loans in exchange for the requirement to provide a guarantee for these loans, The Algerian legislator has another mechanism to guarantee the bank loan under the Real Estate Directive Law No.

25-90, represented by the Possession Certificate, which grants its owner the right to mortgage the property subject to the possession certificate, in exchange for a bank loan for the purpose of investment, although the owner of this certificate does not own this property and this is what is considered In contravention of the general rules for the mortgage that require ownership of the mortgaged real estate embodied under the text of Article 884 Paragraph 02 of the Civil Code, although this certificate has advantages in achieving confidence and security for the bank as it is covered by the real estate.