Loans to individuals
Access the property of your dreams thanks to our flexible and competitive real estate loan solutions. Whether you are considering buying a house or an apartment, we offer you personalized support throughout the process. Benefit from attractive rates, advantageous conditions and expert advice to bring your real estate project to fruition with complete peace of mind. Take the first step towards your ideal home today.
What is an AUTO Loan?
An AUTO Loan is a customized loan designed for the acquisition of your new car produced or assembled in Algeria.
Who is eligible for it ?
Any individual:
– of Algerian nationality,
– aged between 19 and 70 years,
– residing in Algeria,
– With a regular and sufficient income of at least 40,000.00 DZD.
What are its advantages?
– Financing of up to 70% of the vehicle’s price.
– Vehicle price (including VAT) can go up to 4,000,000.00 DZD.
– Repayment period of up to 60 months.
– Possibility of early repayment.
– Ability to check the recovery situation via CNEP CONNECT.
– Interest rates ranging from 7% to 8%.
GUARANTEES:
The application is accompanied by insurance:
– Comprehensive insurance for the vehicle with a subrogation endorsement.
– Vehicle pledge.
What is Sérénité loan ?
It is a financing product intended to fund the supply and installation of central heating.
Who can benefit from it?
Any individual of Algerian nationality residing in Algeria;
Aged under 70 years old;
Having a permanent monthly net income equal to or greater than 30,000 DA.
What are its characteristics?
Financing that can cover up to 100% of the estimated cost of the work, within the limit of 400,000 DA;
Repayment period of up to 48 months;
Very advantageous interest rate of 4.00%;
Application processing fees: FREE;
Possibility of advance repayment.
What are the guarantees?
Sérénité loan is a renovation loan without real guarantee .
The required guarantees are:
Subscription to “Death + IAD” with subrogation to CNEP-Banque;
Irrevocable salary domiciliation with CNEP-Banque ;
Signing of a promissory note.
What is a loan to purchase a building land ?
It is a loan designed to finance the purchase of building land with an area of less than or equal to 500 square meters from a private individual or a land agency.
Who is eligible for it?
Any individual:
– of Algerian nationality,
– aged between 19 and 70 years,
– residing in Algeria or abroad,
– with a regular income of at least 30,000 DZD.
What are its advantages?
– Financing of up to 90% of the selling price.
– Repayment period of up to 30 years.
– Very advantageous interest rates ranging from 5.75% to 6.50% per annum.
– Possibility of repayment grace period for up to 12 months.
– Possibility to increase the loan amount by involving another person’s income through co-debt.
– Possibility of early repayment.
GUARANTEES:
First-rank mortgage.
What is a Loan for Construction of a home?
A construction financing is a financing product designed to cover the costs of building a new house or real estate property.
Who is eligible for it?
Any individual:
– of Algerian nationality,
– aged between 19 and 70 years,
– residing in Algeria or abroad,
– with a regular income of at least 30,000 DA.
What are its advantages?
– Financing of up to 100% of the estimated construction costs.
– Repayment period of up to 40 years.
– Very advantageous interest rates ranging from 5% to 6.50% per annum.
– A grace period of 6 months for repayment is granted.
– The possibility of early repayment.
– The ability to check your loan using the CNEP Connect application.
– Possibility to increase the loan amount by involving another person’s income through co-debt (family member) or (a third party in co-ownership).
What is a Loan for Extension or Elevation of a Home?
A home extension or elevation financing is a financing product designed to cover the costs of adding space to an existing property, either by extending the house or by constructing an additional floor.
Who is eligible for it?
Any individual:
– of Algerian nationality,
– aged between 19 and 70 years,
– residing in Algeria or abroad,
– With a regular income of at least 30,000 DZD.
What are its advantages?
– Financing of up to 100% of the estimated construction costs.
– Repayment period of up to 40 years.
– Very advantageous interest rates ranging from 5% to 6.50% per annum.
– The possibility of having a grace period of 12 months for repayment.
– The possibility of early repayment.
– The ability to check your loan using the CNEP Connect application.
– Possibility to increase the loan amount by involving another person’s income through co-debt.
What is the home improvement product?
It is a product intended to finance the improvement work on your home.
Who can benefit from it?
Any natural person;
Of Algerian nationality;
Aged between 19 and 70 years old;
Resident in Algeria or abroad;
Having a regular income, greater than or equal to 30,000 DA.
What are its characteristics?
Financing that can go up to 90% of the estimated cost of the work;
A repayment period of up to 15 years;
A very advantageous interest rate of 6.5%;
A deferred repayment period of 06 months is granted;
The possibility of early repayment;
The possibility of consulting your credit using the CNEP Connect application;
Possibility of increasing the amount of your credit by drawing on the income of another person through co-debtion (family member) or (a third person in co-ownership).
Loans at subsidized interest rates (assisted)
What is a Loan for the Purchase of Public Promotional Housing?
This is a loan designed to finance the purchase of housing allocated to subscribers to the LPP program from the National Real Estate Promotion Company (ENPI).
Who is eligible for it?
Any individual subscriber to the LPP program selected by ENPI:
– Of Algerian nationality,
– Aged between 19 and 70 years,
– Resident in Algeria or abroad,
– Having a regular and sufficient income of at least 30,000.00 DZD.
What are its advantages?
– Financing of up to 100% of the sale price.
– Repayment period of up to 40 years.
– Very advantageous interest rates with the possibility of a 1% subsidy based on the borrower’s income with a reference rate of 6%.
– Possibility of having a grace period of up to 12 months.
– Possibility to increase the loan amount by involving another person’s income through co-debt.
– Possibility of early repayment.
GUARANTEES:
– First-rank mortgage.
– The last three pay stubs.
– An employment certificate.
– A copy of the employment contract.
– The latest tax notice (tax return).
– A bank account statement, showing salary deposits, covering a one-year period..
What is a Loan for the Purchase of Aided Promotional Housing?
This is a loan provided by CNEP-Banque to buyers of assisted promotional housing, abbreviated as “LPA”, under the framework of off-plan sales “VSP”.
Who is eligible for it?
– Any individual.
– Of Algerian nationality.
– Eligible for Aided Promotional Housing (LPA).
– Aged between 19 and 70 years.
– Resident in Algeria or abroad.
– Having a regular income equal to or greater than 30,000 DZD.
What are its advantages?
– Eligible borrowers can obtain an off-plane house “V.S.P” loan at a subsidized interest rate of 1% per year if their monthly income is equal to or greater than 1 times the National Guaranteed Minimum Wage (S.N.M.G) and less than or equal to 6 times the (S.N.M.G).
– This loan covers the difference between the housing price and the amount of State aid, as well as the initial contribution.
– In cases where the granted loan does not cover the difference between the housing price, State aid, and the initial contribution, the borrower must provide additional personal contribution to cover the difference.
What is a Loan for the Purchase of Free Promotional Housing?
This is a loan intended to finance the purchase of housing granted to subscribers of the LPL program from the National Real Estate Promotion Company (ENPI).
Who is eligible for it?
Any individual subscribing to the LPL program and retained by ENPI:
– Of Algerian nationality.
– Aged between 19 and 70 years.
– Resident in Algeria or abroad.
– Having a regular income equal to or greater than 30,000.00 DZD.
What are its advantages?
– Financing can cover up to 100% of the sale price.
– Repayment period of up to 40 years.
– Interest rates ranging from 5% to 6.5%.
– Possibility of having a grace period of up to 12 months.
– Possibility to increase the loan amount by using another person’s income through co-debt.
– Possibility of early repayment.
GUARANTEES:
– First-rank mortgage in favor of CNEP Banque.
What is a Loan for the Purchase of new home from a Real Estate Developer?
This is a loan designed to finance the purchase of your home from a real estate developer with peace of mind.
Who is eligible for it?
– Any individual.
– Of Algerian nationality.
– Aged between 19 and 70 years.
– Resident in Algeria or abroad.
– Having a regular income equal to or greater than 30,000.00 DZD.
What are its advantages?
– Financing can cover up to 100% of the sale price.
– Repayment period of up to 40 years.
– Very advantageous interest rates with the possibility of a 1% subsidy based on the borrower’s income and a reference rate of 6%.
– Possibility of having a grace period of up to 12 months.
– The possibility of early repayment.
– The ability to check your loan using the CNEP Connect application.
– Possibility to increase the loan amount by using another person’s income through co-debt.
What is a Loan for the Purchase of an off-Plan home?
This is a loan designed to finance the purchase of your home as part of an off-plan sale.
Who is eligible for it?
– Any individual.
– Of Algerian nationality.
– Aged between 19 and 70 years.
– Resident in Algeria or abroad.
– Having a regular income equal to or greater than 30,000.00 DZD.
What are its advantages?
– Financing can cover up to 100% of the sale price.
– Repayment period of up to 40 years.
– Very advantageous interest rates with the possibility of a 1% subsidy based on the borrower’s income and a reference rate of 6%.
– A grace period of 36 months is granted.
– The possibility of early repayment.
– The ability to check your loan using the CNEP Connect application.
– The possibility to increase the loan amount by using another person’s income through co-debt.
What is a Loan for the Purchase of a home from an individual?
This is a loan designed to finance the purchase of your home from an individual.
Who is eligible for it?
– Any individual.
– Of Algerian nationality.
– Aged between 19 and 70 years.
– Resident in Algeria or abroad.
– Having a regular income equal to or greater than 30,000.00 DZD.
What are its advantages?
– Financing can cover up to 100% of the transaction price.
– Repayment period of up to 40 years.
– Very advantageous interest rates ranging from 5% to 6.50% per annum.
– The possibility of a grace period of 12 months.
– The possibility of early repayment.
– The ability to check your loan using the CNEP Connect application.
– The possibility to increase the loan amount by using another person’s income through co-debt.
What is a Loan for the Purchase of a New Home from a Real Estate Developer?
This is a loan designed to finance the purchase of your home from a real estate developer with peace of mind.
Who is eligible for it?
– Any individual.
– Of Algerian nationality.
– Aged between 19 and 70 years.
– Resident in Algeria or abroad.
– Having a regular income equal to or greater than 30,000.00 DZD.
What are its advantages?
– Financing can cover up to 100% of the purchase price.
– Repayment period of up to 40 years.
– Very advantageous interest rates with the possibility of a 1% subsidy based on the borrower’s income and a reference rate of 6%.
– The possibility of a having a grace period of 12 months.
– The possibility of early repayment.
– The ability to check your loan using the CNEP Connect application.
– The possibility to increase the loan amount by using another person’s income through co-debt.
What is a Loan for the Purchase of an off-Plan home?
This is a loan designed to finance the purchase of your home as part of an off-plan sale.
Who is eligible for it?
– Any individual.
– Of Algerian nationality.
– Aged between 19 and 70 years.
– Resident in Algeria or abroad.
– Having a regular income equal to or greater than 30,000.00 DZD.
What are its advantages?
– Financing can cover up to 100% of the sale price.
– Repayment period of up to 40 years.
– Very advantageous interest rates with the possibility of a 1% subsidy based on the borrower’s income and a reference rate of 6%.
– A grace period of 36 months is granted.
– The possibility of early repayment.
– The ability to check your loan using the CNEP Connect application.
– The possibility to increase the loan amount by using another person’s income through co-debt.
What is a Loan for the Purchase of Commercial or Professional premises?
This is a loan intended for purchasing, constructing, renovating, extending, or adding a floor to your commercial or professional premises.
Who is eligible for it?
– Any individual.
– Of Algerian nationality.
– Aged between 19 and 70 years.
– Resident in Algeria or abroad.
– Having a regular income equal to or greater than 30,000 DZD.
What are its advantages?
– Financing can cover up to 90% of the property value.
– Repayment period of up to 15 years, within the age limit of 75 years.
– Very advantageous interest rates ranging from 5.75% to 7.00% per annum.
– The possibility of a grace period of up to 36 months.
– The possibility to increase the loan amount by using another person’s income through co-debt.