Comfort Credit
What is it?
The Comfort Credit is a consumer credit intended to finance the purchase of new consumer goods, produced or assembled in Algeria.
Funded products
The duration of the credit
Eligibility
Credit amount
FAQ
The Confort Credit is a consumer credit intended to finance the purchase of new consumer goods, produced or assembled in Algeria..
BDL consumer credit is granted for the financing of:
1. Electrical appliances and appliances: Televisions, heaters, air conditioners, refrigerators, domestic kitchen equipment, domestic washing equipment and small appliances, telephones, tablets and smartphones, etc.;
2. Motor vehicles and motorcycles;
3. Office and data processing machines;
4. Computers, other computer equipment and accessories;
5. Wooden furniture sets for domestic use;
6. Upholstery, upholstery, carpeting and bedding;
7. Materials of construction: ceramics and sanitary ceramics.
1. Electrical appliances and appliances: Televisions, heaters, air conditioners, refrigerators, domestic kitchen equipment, domestic washing equipment and small appliances, telephones, tablets and smartphones, etc.;
2. Motor vehicles and motorcycles;
3. Office and data processing machines;
4. Computers, other computer equipment and accessories;
5. Wooden furniture sets for domestic use;
6. Upholstery, upholstery, carpeting and bedding;
7. Materials of construction: ceramics and sanitary ceramics.
To obtain a consumer credit with the BDL, the following conditions must be met :
1. Having Algerian nationality;
2. Getting a regular income greater than or equal to one and a half (1.5) times the Guaranteed National Minimum Wage (SNMG) and be domiciled at the BDL counters;
People who are said to be in debt and whose level of debt exceeds 30% of their regular income are not eligible .
1. Having Algerian nationality;
2. Getting a regular income greater than or equal to one and a half (1.5) times the Guaranteed National Minimum Wage (SNMG) and be domiciled at the BDL counters;
People who are said to be in debt and whose level of debt exceeds 30% of their regular income are not eligible .
In order to obtain a consumer credit, please go to one of our BDL branches with the following documents:
1. A consumer credit application;
2. A recent work certificate, justifying permanent employment;
3. The last three (3) payslips authenticated by the employer;
4. A C20 form issued by the tax authorities, for traders and the liberal professions;
5. Proof of residence or accommodation;
6. A copy of the national identity card or valid driving license;
7. A pro forma invoice drawn up in the name of the customer, accompanied by a certificate issued by the company carrying out a production activity on national territory, attesting that the property subject to the credit application is produced or assembled in Algeria;
8. A pro forma invoice bearing the amount of the all-risk insurance premium including tax, in the event that the customer wishes to include this premium in the amount of the credit;
9. Authorization to consult the Central Business and Household Risk Center (CREM – BA), signed by the customer.
1. A consumer credit application;
2. A recent work certificate, justifying permanent employment;
3. The last three (3) payslips authenticated by the employer;
4. A C20 form issued by the tax authorities, for traders and the liberal professions;
5. Proof of residence or accommodation;
6. A copy of the national identity card or valid driving license;
7. A pro forma invoice drawn up in the name of the customer, accompanied by a certificate issued by the company carrying out a production activity on national territory, attesting that the property subject to the credit application is produced or assembled in Algeria;
8. A pro forma invoice bearing the amount of the all-risk insurance premium including tax, in the event that the customer wishes to include this premium in the amount of the credit;
9. Authorization to consult the Central Business and Household Risk Center (CREM – BA), signed by the customer.
The amount of the credit varies between 50,000 DA and 1,500,000 DZD
The duration of the consumer credit granted by the BDL is between three (03) and sixty (60) months.
1. Reimbursement of your credit will be made monthly by debiting your account. Monthly payments are constant, including principal and interest in accordance with the amortization table;
2. You can benefit, if you wish, from a deferred repayment period.
2. You can benefit, if you wish, from a deferred repayment period.