دراسة قياسية لأثر القروض العقارية على قطاع السكن في الجزائر خلال الفترة 2000-2019

الملخص EN

The housing crisis is one of the most important problems that the Algerian state still seeks to solve.

It is one of the most important factors of social tension considering housing is one of the basic needs in the life of individual.

Since independence, Algeria has adopted a policy of supporting the housing sector depending on the public treasury.

But this policy did not fulfill its role and did not achieve the desired goals of accommodating the increasing demand for housing despite the huge amounts spent in this framework.

For this reason the authorities have developed a new policy, namely the creation of other financing methods, the most important of which is real estate financing.

In support of this mechanism, the State has established several financial institutions to assist citizens in obtaining adequate housing.