إعـادة التمـويل الرهني و أثره على المنظومة المالية و المصرفية في الجزائـر : دراسة حالة شركة إعادة التمويل الرهني SRH

الملخص EN

At the end of the crisis that Algeria undergoes in the second middle of the nineties, particularly, to find out long term moveable refinancing and accordingly to the new details on which actual economic reforms policy focus, the mortgage refinancing was established, as well as land security loan did, within the changes of national fund of saving and precaution to the housing bank, so that, the mortgage refinancing will be developed in Algeria.

At the same time, the public authorities took vital steps towards reforms at legislative level, that were put into effect by addressing decrees within the frame work of the financing law of 2005, the releasing law in 2006 as well, in order to enhance the mortgage market in Algeria.

Nevertheless, till now, we notice the impact of these reforms particularly, the expected impact of the mortgage refinancing towards trust, is still not operational, in comparison with the aspect in the countries adopting this model.

Due to the fact that the model is new, in one hand, and the lack of the finance stakeholders of operating in the mortgage refinancing as well in the other hand.