القرض العقاري و تأثيره على التنمية العقارية

الملخص EN

Record mortgage loan within a national policy that combines strategy are the banking and housing sector and the agricultural sector industry sectors ،This is in order to finance both the acquisition of the ownership of housing and upgrade real estate activity and the development of the agricultural sector projects ،It is at the same time the previous financing mechanism mentioned sectors ،And it does not authorize the granting of mortgage loans only to institutions loan approved by the Central Bank of Algeria.

Mortgages are considered mechanism of indirect assistance provided by the state for the middle- income groups ،For the acquisition of housing ،Recorded within a comprehensive economic policy and social and financial ،The terms of the will of the state to address the housing crisis reflected on the reforms conducted in the financial sector wishing to make it an effective mechanism to mitigate economic crises ، Particularly the crisis of the housing sector through the contribution of banks and financial institutions in the financing of this sector in various forms ،which is considered one of the mortgage loan.

The agricultural loan is a funding mechanism approved by the State for the benefit of peasants to solve the problem of agricultural inherited from colonialism ،Namely poverty this layer.

All this in order to promote the agricultural sector and to achieve self- sufficiency ،and as a result of the liberalization of food dependency abroad.