{"id":4954,"date":"2013-02-25T12:18:40","date_gmt":"2013-02-25T11:18:40","guid":{"rendered":"https:\/\/www.lkeria.com\/actualites\/non-classe\/cnep-banque-algerie-credits-immobilier\/"},"modified":"2013-02-25T12:18:40","modified_gmt":"2013-02-25T11:18:40","slug":"cnep-banque-algerie-credits-immobilier","status":"publish","type":"post","link":"https:\/\/www.lkeria.com\/actualites\/logement\/cnep-banque-algerie-credits-immobilier\/","title":{"rendered":"CNEP banque Algerie : Hausse de 26% des cr\u00e9dits hypoth\u00e9caires en 2012"},"content":{"rendered":"<p style=\"text-align: justify;\"><a href=\"https:\/\/www.lkeria.com\/wp-content\/uploads\/2013\/02\/cnep.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-thumbnail wp-image-894\" alt=\"cnep\" src=\"https:\/\/www.lkeria.com\/wp-content\/uploads\/2013\/02\/cnep-150x150.jpg\" width=\"150\" height=\"150\" \/><\/a><\/p>\n<p style=\"text-align: justify;\"><strong>Les cr\u00e9dits hypoth\u00e9caires sont \u00e0 la hausse<\/strong><\/p>\n<p style=\"text-align: justify;\">La CNEP-banque Caisse nationale d\u2019\u00e9pargne et de pr\u00e9voyance a accord\u00e9, \u00e0 elle seule, plus de 46 milliards de dinars aux particuliers en 2012, soit une \u00e9volution de 26% par rapport \u00e0 l\u2019ann\u00e9e 2011.\u00a0Le nombre de ces cr\u00e9dits \u00e9tait de 21780 en 2012, en l\u00e9g\u00e8re hausse de 2% par rapport \u00e0 2011. En nombre, les cr\u00e9dits \u00e0 taux bonifi\u00e9s repr\u00e9sentent 55,13% des cr\u00e9dits aux particuliers en 2012, suivis des cr\u00e9dits \u00e0 la construction avec 26,55% et ceux destin\u00e9s \u00e0 l\u2019accession 15,28%. En montant, les cr\u00e9dits bonifi\u00e9s repr\u00e9sentent 45,33% de la totalit\u00e9 des cr\u00e9dits, ceux de l\u2019accession viennent en deuxi\u00e8me position avec 15,72 milliards de DA, et enfin les cr\u00e9dits \u00e0 la construction avec 8,38 milliards de DA en 2012. En 2011, la banque avait accord\u00e9 21328 cr\u00e9dits aux particuliers (+25% par rapport \u00e0 2010) pour un montant de 36,5 milliards de DA (+50%).<\/p>\n<p style=\"text-align: justify;\">Entre d\u00e9but janvier et fin octobre de 2012, les cr\u00e9dits aux particuliers accord\u00e9s par la CNEP-banque\u00a0\u00e9taient de 18.347 cr\u00e9dits d\u2019un montant global de 38,61 mds de DA.\u00a0Ces cr\u00e9dits ont ainsi augment\u00e9 de 7,4 mds de DA en deux mois (novembre et d\u00e9cembre). Depuis le lancement des cr\u00e9dits hypoth\u00e9caires au profit des particuliers dans les ann\u00e9es 1970, la banque aura accord\u00e9, \u00e0 fin 2012, pr\u00e8s de 500.000 cr\u00e9dits pour un montant de 311 milliards de dinars.<\/p>\n<p style=\"text-align: justify;\">Pr\u00e8s de 21 milliards de DA de cr\u00e9dits bonifi\u00e9s ont \u00e9t\u00e9 accord\u00e9s par <a href=\"https:\/\/www.lkeria.com\/cnep-banque-bilan-2013-credit-immobilier-dz\/\">la CNEP-banque<\/a> en 2012, en hausse de 23% par rapport \u00e0 2011. Durant toute l\u2019ann\u00e9e 2012, ces cr\u00e9dits ont atteint 12.009 cr\u00e9dits (+1,3% par rapport \u00e0 2011) alors que leur montant a grimp\u00e9 \u00e0 20,88 milliards de DA (+23%).<\/p>\n<p style=\"text-align: justify;\">Les cr\u00e9dits bonifi\u00e9s, repr\u00e9sentent 45,33% du montant et 55,13% du nombre des cr\u00e9dits hypoth\u00e9caires accord\u00e9s aux particuliers en 2012. Sur l\u2019ensemble de ces financements, 11.850 cr\u00e9dits ont \u00e9t\u00e9 accord\u00e9s \u00e0 un taux de 1% pour un montant global de 20,09 mds de DA, soit 95% du montant des cr\u00e9dits bonifi\u00e9s, alors que 159 cr\u00e9dits totalisant 793 millions de DA ont \u00e9t\u00e9 octroy\u00e9s \u00e0 un taux de 3%.<\/p>\n<p style=\"text-align: justify;\">Depuis le lancement de la bonification en mai 2010, la CNEP a accord\u00e9 30072 cr\u00e9dits \u00e0 taux bonifi\u00e9s pour 45,75 milliards de DA, dont 29.582 cr\u00e9dits pour 43,43 milliards de DA \u00e0 1% et 490 cr\u00e9dits pour 2,31 milliards de DA \u00e0 3%.<\/p>\n<p><a href=\"https:\/\/plus.google.com\/105012336724312757634?rel=author\">Lotfi Ramdani<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les cr\u00e9dits hypoth\u00e9caires sont \u00e0 la hausse La CNEP-banque Caisse nationale d\u2019\u00e9pargne et de pr\u00e9voyance a accord\u00e9, \u00e0 elle seule, plus de 46 milliards de dinars aux particuliers en 2012, soit une \u00e9volution de 26% par rapport \u00e0 l\u2019ann\u00e9e 2011.\u00a0Le nombre de ces cr\u00e9dits \u00e9tait de 21780 en 2012, en l\u00e9g\u00e8re hausse de 2% par [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[229],"tags":[],"class_list":["post-4954","post","type-post","status-publish","format-standard","hentry","category-logement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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Actualit\u00e9 de l&#039;immobilier et le logement en Alg\u00e9rie","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.lkeria.com\/actualites\/logement\/cnep-banque-algerie-credits-immobilier\/","og_locale":"fr_FR","og_type":"article","og_title":"CNEP banque Algerie : Hausse de 26% des cr\u00e9dits hypoth\u00e9caires en 2012 - Actualit\u00e9 de l&#039;immobilier et le logement en Alg\u00e9rie","og_description":"Les cr\u00e9dits hypoth\u00e9caires sont \u00e0 la hausse La CNEP-banque Caisse nationale d\u2019\u00e9pargne et de pr\u00e9voyance a accord\u00e9, \u00e0 elle seule, plus de 46 milliards de dinars aux particuliers en 2012, soit une \u00e9volution de 26% par rapport \u00e0 l\u2019ann\u00e9e 2011.\u00a0Le nombre de ces cr\u00e9dits \u00e9tait de 21780 en 2012, en l\u00e9g\u00e8re hausse de 2% par [&hellip;]","og_url":"https:\/\/www.lkeria.com\/actualites\/logement\/cnep-banque-algerie-credits-immobilier\/","og_site_name":"Actualit\u00e9 de l&#039;immobilier et le logement en Alg\u00e9rie","article_publisher":"https:\/\/www.facebook.com\/lkeriacom","article_published_time":"2013-02-25T11:18:40+00:00","og_image":[{"url":"https:\/\/www.lkeria.com\/wp-content\/uploads\/2013\/02\/cnep-150x150.jpg","type":"","width":"","height":""}],"author":"Lotfi Ramdani","twitter_card":"summary_large_image","twitter_creator":"@lkeriacom","twitter_site":"@lkeriacom","twitter_misc":{"\u00c9crit par":"Lotfi Ramdani","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.lkeria.com\/actualites\/logement\/cnep-banque-algerie-credits-immobilier\/#article","isPartOf":{"@id":"https:\/\/www.lkeria.com\/actualites\/logement\/cnep-banque-algerie-credits-immobilier\/"},"author":{"name":"Lotfi Ramdani","@id":"https:\/\/www.lkeria.com\/actualites\/#\/schema\/person\/3a4da2e91b49098351a6c1a04c231e06"},"headline":"CNEP banque Algerie : Hausse de 26% des cr\u00e9dits hypoth\u00e9caires en 2012","datePublished":"2013-02-25T11:18:40+00:00","mainEntityOfPage":{"@id":"https:\/\/www.lkeria.com\/actualites\/logement\/cnep-banque-algerie-credits-immobilier\/"},"wordCount":386,"publisher":{"@id":"https:\/\/www.lkeria.com\/actualites\/#organization"},"image":{"@id":"https:\/\/www.lkeria.com\/actualites\/logement\/cnep-banque-algerie-credits-immobilier\/#primaryimage"},"thumbnailUrl":"https:\/\/www.lkeria.com\/wp-content\/uploads\/2013\/02\/cnep-150x150.jpg","articleSection":["Logement"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/www.lkeria.com\/actualites\/logement\/cnep-banque-algerie-credits-immobilier\/","url":"https:\/\/www.lkeria.com\/actualites\/logement\/cnep-banque-algerie-credits-immobilier\/","name":"CNEP banque Algerie : Hausse de 26% des cr\u00e9dits hypoth\u00e9caires en 2012 - 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