مشاركة الصندوق الوطني للسكن في التسيير المالي لمشاريع السكن الترقوي المدعم

Abstract EN

The housing crisis in Algeria is popular and its reasons are many and overlapping, still the problem of financing those completion of residental projects remains as one of the biggest problems affecting the country intention to eliminate this crisis completly.

Which made the leaders of the housing sector seeking for funding resources far away from the public treasury, in order to build the idea of involving the acquirers in the process of financing the completion of projects.

This idea was embodied by launching the social housing formula, then the formula of supported housing.

However the legal organized texts govering this formula have not been able to control this financing process, and permitted the emergence of legal loopholes exploited by the property inspectors in the embezzelment and looting funds allocated to the projects without embodying many of them on the real ground.

As a solution to these legal spaces, the first « LPA » formula was frozen and compensated in a new format « LPA-2 », and made the national housing fund a center for pooling the financial resources of these projects.

Key words: finance, subsidized housing, national housing fund, state subsidies, mortgages.