{"id":5016,"date":"2012-09-14T16:15:35","date_gmt":"2012-09-14T14:15:35","guid":{"rendered":"https:\/\/www.lkeria.com\/actualites\/non-classe\/la-bdl-les-credits-immobiliers-en-baisse-durant-lannee-2011-et-en-hausse-en-2012\/"},"modified":"2012-09-14T16:15:35","modified_gmt":"2012-09-14T14:15:35","slug":"la-bdl-les-credits-immobiliers-en-baisse-durant-lannee-2011-et-en-hausse-en-2012","status":"publish","type":"post","link":"https:\/\/www.lkeria.com\/actualites\/logement\/la-bdl-les-credits-immobiliers-en-baisse-durant-lannee-2011-et-en-hausse-en-2012\/","title":{"rendered":"La BDL : les cr\u00e9dits immobiliers en baisse durant l\u2019ann\u00e9e 2011 et en hausse en 2012"},"content":{"rendered":"<p style=\"text-align: justify;\"><a href=\"https:\/\/www.lkeria.com\/wp-content\/uploads\/2012\/11\/BDL-banque.jpg\"><img decoding=\"async\" class=\"alignleft size-thumbnail wp-image-859\" alt=\"BDL-banque\" src=\"http:\/\/actuali\n\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.lkeria.com\/wp-content\/uploads\/2012\/11\/BDL-banque.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-thumbnail wp-image-859\" alt=\"BDL-banque\" src=\"https:\/\/www.lkeria.com\/wp-content\/uploads\/2012\/11\/BDL-banque-150x150.jpg\" width=\"145\" height=\"145\" \/><\/a>Si les cr\u00e9dits bancaires accord\u00e9s par la Banque de d\u00e9veloppement local \/ BDL durant les trois derni\u00e8res ann\u00e9es ont connu une hausse, les pr\u00eats accord\u00e9s \u00a0au secteur de l\u2019immobilier, ont enregistr\u00e9 une baisse.<\/p>\n<p style=\"text-align: justify;\"><strong>Ainsi les cr\u00e9dits accord\u00e9s par la BDL en 2011 \u00e0 ce secteur ont atteint 8,86 milliards de dinars contre 9,17 milliards de dinars en 2010.<\/strong><\/p>\n<p style=\"text-align: justify;\">Cependant, les six premiers mois de l\u2019exercice 2012 ont enregistr\u00e9 une nette hausse \u00a0avec 7,21 milliards de dinars pour le secteur de l&rsquo;immobilier.<\/p>\n<p style=\"text-align: justify;\">Selon les pr\u00e9visions de la BDL, le cr\u00e9dit immobilier d\u00e9passera \u00e0 la fin de l\u2019ann\u00e9e 2012 le seuil des 9 milliards de dinars.<\/p>\n<p style=\"text-align: justify;\">Il y a lieu de rappeler que le directeur du cr\u00e9dit \u00e0 la BDL avait annonc\u00e9 en mars 2012 que 6 641 cr\u00e9dits immobilier totalisant 7,644 milliards de dinars ont \u00e9t\u00e9 octroy\u00e9s par la BDL en 2011 \u00e0 ses clients pour financer l&rsquo;acquisition, la construction, l&rsquo;extension, l&rsquo;am\u00e9nagement, la restauration ou la r\u00e9habilitation de leurs logements.<\/p>\n<p style=\"text-align: justify;\">Aussi, sur\u00a0les 7,644 milliards de dinars de cr\u00e9dits immobiliers octroy\u00e9s en 2011 par la BDL, 63% ont \u00e9t\u00e9 des cr\u00e9dits \u00e0 taux bonifi\u00e9s, soit 4,8 milliards de dinars.<\/p>\n<p style=\"text-align: justify;\">Durant l\u2019ann\u00e9e 2010, la BDL avait octroy\u00e9 \u00a05139 <a href=\"https:\/\/www.lkeria.com\/cnep-banque-bilan-2013-credit-immobilier-dz\/\">pr\u00eats immobiliers<\/a> d&rsquo;un montant global de 5 milliards de dinars contre 5400 pr\u00eats en 2009 pour une valeur totale de 5,6 milliards de dinars.<\/p>\n<p style=\"text-align: justify;\">Cr\u00e9\u00e9e en 1985 afin de financer les petites entreprises, la BDL fut r\u00e9organis\u00e9e en 1990 afin d\u2019accompagner les entreprises restructur\u00e9es.<\/p>\n<p style=\"text-align: justify;\">Actuellement, la BDL d\u00e9nombre 16 directions r\u00e9gionales avec plus de 150 agences dont 145 commerciales et 5 de pr\u00eats sur gage, une activit\u00e9 h\u00e9rit\u00e9e des caisses communales.<\/p>\n<p style=\"text-align: justify;\"><strong>Enfin, la BDL est en train de n\u00e9gocier un projet tr\u00e8s qui consiste \u00e0 la mise en place de guichets avanc\u00e9s avec une banque \u00e0 l\u2019\u00e9tranger pour faire profiter les membres de notre communaut\u00e9 install\u00e9e \u00e0 l\u2019\u00e9tranger des produits de la BDL, notamment en mati\u00e8re de cr\u00e9dits immobiliers aux immigr\u00e9s.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"","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-5016","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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