نظام القروض العقارية في التشريع الجزائري

Abstract EN

Real estate loans are seen as an effective mechanism for alleviating economic crises in general and the housing crisis in particular.

The conclusion of such a contract requires the intervention of several parties, like banks and financial institutions that specialize in housing loans, where operations are financed to enable middle income groups to own housing.

An individual may seek to acquire the ownership of a prefabricated house or build or purchase a dwelling on the basis of designs, provided the financier receive benefits the borrower is committed to pay with a refund equal to what he has borrowed.

This takes place at a gradual stage following a set of financial and administrative techniques, each of which is important in concluding a valid and sound contract.

The parties to this contract have obligations in keeping with the law, conventions, customs and banking practices.