{"id":4235,"date":"2017-04-06T11:29:41","date_gmt":"2017-04-06T09:29:41","guid":{"rendered":"https:\/\/www.lkeria.com\/actualites\/non-classe\/credit-immobilier-bonifie-pourquoi-cette-limite-de-12-millions-de-dinars\/"},"modified":"2024-09-18T23:47:26","modified_gmt":"2024-09-18T21:47:26","slug":"credit-immobilier-bonifie-pourquoi-cette-limite-de-12-millions-de-dinars","status":"publish","type":"post","link":"https:\/\/www.lkeria.com\/actualites\/credit-immobilier\/credit-immobilier-bonifie-pourquoi-cette-limite-de-12-millions-de-dinars\/","title":{"rendered":"Cr\u00e9dit immobilier bonifi\u00e9, pourquoi cette limite de 12 millions de dinars"},"content":{"rendered":"\n<p><b>Les banques qu\u2019elles soient publiques ou priv\u00e9s plafonnent\u00a0<a title=\"Link: https:\/\/www.lkeria.com\/offre-credit-immobilier-dz.php\" href=\"https:\/\/www.lkeria.com\/offre-credit-immobilier-dz.php\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">les cr\u00e9dits immobiliers<\/a>\u00a0octroy\u00e9s dans le cadre du financement des formules publiques de logement\u00a0LPP, LPA etc. \u00e0 12 millions de dinars (1,2 milliards). L&rsquo;achat dans le neuf via un promoteur immobilier connait la m\u00eame limite.<\/b><\/p>\n\n\n\n<p>Le probl\u00e8me est rencontr\u00e9 par les souscripteurs LPP qui n\u2019ont pas les moyens d\u2019auto financer leur logement promotionnel publique (exemple du F5), mais dans la cadre de l\u2019application de la bonification octroy\u00e9e par le Tr\u00e9sor public aux profits des souscripteurs LPP, les banques plafonnent le montant des cr\u00e9dits octroy\u00e9s \u00e0 12 millions de dinars.&nbsp;<\/p>\n\n\n\n<p>Cette pratique g\u00e9n\u00e9ralis\u00e9e n\u2019est pas justifi\u00e9e par la bonification. Le d\u00e9cret ex\u00e9cutif n\u00b0 10-87 du 10 mars 2010, fixant les niveaux et les modalit\u00e9s d\u2019octroi de la bonification du taux d\u2019int\u00e9r\u00eat des pr\u00eats accord\u00e9s par les banques et les \u00e9tablissements financiers pour l\u2019acquisition d\u2019un logement collectif et la construction d\u2019un logement rural par les b\u00e9n\u00e9ficiaires, se base exclusivement sur les revenus des m\u00e9nages pour calculer la bonification octroy\u00e9e, <b>la valeur du bien achet\u00e9 n\u2019est pas prise en consid\u00e9ration par ce texte r\u00e9glementaire<\/b>.<\/p>\n\n\n\n<p>D&rsquo;apr\u00e8s nos informations les banques pratiquent ce plafonnement afin de r\u00e9duire le risque pour la banque, un risque suivi p\u00e9riodiquement par la banque centrale.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les banques qu\u2019elles soient publiques ou priv\u00e9s plafonnent\u00a0les cr\u00e9dits immobiliers\u00a0octroy\u00e9s dans le cadre du financement des formules publiques de logement\u00a0LPP, LPA etc. \u00e0 12 millions de dinars (1,2 milliards). L&rsquo;achat dans le neuf via un promoteur immobilier connait la m\u00eame limite. Le probl\u00e8me est rencontr\u00e9 par les souscripteurs LPP qui n\u2019ont pas les moyens d\u2019auto [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[810],"tags":[409,6,9,134],"class_list":["post-4235","post","type-post","status-publish","format-standard","hentry","category-credit-immobilier","tag-credit","tag-lpa","tag-lpp","tag-promotion"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dit immobilier bonifi\u00e9, pourquoi cette limite de 12 millions de dinars<\/title>\n<meta name=\"description\" content=\"dans la cadre de l\u2019application de la bonification octroy\u00e9e par le Tr\u00e9sor public aux profits des souscripteurs aux logements publics\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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