{"id":11921,"date":"2026-03-03T12:56:42","date_gmt":"2026-03-03T11:56:42","guid":{"rendered":"https:\/\/www.bdl.dz\/en\/?page_id=11921"},"modified":"2026-03-03T13:03:32","modified_gmt":"2026-03-03T12:03:32","slug":"tabrid-investment-credit","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/en\/tabrid-investment-credit\/","title":{"rendered":"TABRID Investment Credit"},"content":{"rendered":"\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"TABRID\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n

\r\n TABRID Investment Credit <\/span>\r\n <\/i>\r\n <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
What is it?<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The TABRID credit is a subsidized interest investment loan, dedicated to farmer-producers, aimed at securing their production and reducing post-harvest losses. It is intended for the construction of cold rooms and\/or refrigerated warehouses.<\/p>

The bank can finance up to 90% of the project amount. The TABRID credit is capped at 150 million dinars.<\/p>

Projects must first receive technical approval from the agricultural services of the relevant wilaya.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
Advantages<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tFinancing up to 90% of the project: BDL covers up to 90% of the total cost, significantly reducing your personal contribution.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tZero financial cost: Interest is covered 100% by the Ministry of Agriculture for the entire duration of the loan (up to 10 years). You repay only the capital.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tRepayment deferral: Benefit from a deferral of 1 to 5 years, allowing you to operate your facility before starting repayment.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tLong repayment period: Up to 10 years, suited to the nature of long-term agricultural investments.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tGenerous utilization period: Between 6 and 24 months to mobilize the credit from the date it is set up.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tFlexible repayment: Monthly, quarterly or semi-annual depending on your situation.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tImproved profitability: Cold storage allows you to sell your production at the right time, avoid losses and optimize your income.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tInstitutional framework: Governed by a national agricultural agreement with technical validation by the wilaya's agricultural services and institutional monitoring by a joint committee.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
Eligibility<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

The beneficiary must be a farmer holding a valid farmer’s card. Those concerned are:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tFarmers who own private land\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tConcession holders of agricultural land under the State's private domain\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tFarmers organized in cooperatives\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tProducers whose output requires cold storage\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Requirements:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tBe an investor carrying out an agricultural activity\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tOperate as an individual (no obligation to be part of a company or cooperative)\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tHave legally exploited land: title deed, concession deed or valid lease agreement\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tHold a farmer's card or be registered with the competent agricultural bodies\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tHave a Tax Identification Number (NIF)\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tHave a regular administrative status (identity documents, residence)\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tNot be in default on previous loans\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tBe able to demonstrate repayment capacity linked to agricultural activity\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tPresent a project plan approved by the wilaya's agricultural services\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
Financing Duration<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tTotal loan period: 10 years\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tRepayment deferral: 1 to 5 years\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tCredit utilization period: maximum 6 to 24 months from the setup date\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tApplication processing time: maximum 30 days (complete and compliant file)\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
Financial Conditions<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tMaximum amount: 150,000,000 DZD\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tFinancing ratio: up to 90% of the total project cost\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tInterest rate: fully subsidized (100%) \u2014 no interest charged to the beneficiary if repaid on time\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tRepayment frequency: monthly, quarterly or semi-annual\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tApplication processing fee: 10,000 DZD\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tNotification commission: 10,000 DZD\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tManagement commission: 10,000 DZD\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Important:<\/strong> The subsidy is lost in the event of total or partial non-repayment of the principal at maturity. The interest due and late payment penalties then become the responsibility of the beneficiary.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
Guarantees<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tCoverage by the Agricultural Guarantee Fund via the Investment Credit Guarantee Fund (CGCI-PME)\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tBDL may require additional guarantees depending on the application profile\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
What this credit finances<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tConstruction of cold rooms (capacity between 300 m\u00b3 and 5,000 m\u00b3)\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tConstruction and equipment of refrigerated warehouses\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tAcquisition of refrigeration equipment and materials\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tCivil engineering works related to refrigeration infrastructure\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tAny investment technically approved by the wilaya's agricultural services\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t
The +<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Benefit from agricultural investment financing of up to 150 million DZD, interest-free, on presentation of:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tValid farmer's card\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tTax Identification Number (NIF)\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tTitle deed, concession deed or valid lease agreement\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
\r\n \t
<\/i><\/div>\r\n \t
\r\n\t \t\t \t
\r\n\t \t\tProject technically approved by the wilaya's agricultural services\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t\t\t

Subject to file analysis and applicable financial conditions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

\n\t\t\t\t\t
\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n

\r\n S'inscrire<\/span>\r\n <\/i>\r\n <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n
<\/div>\r\n
\r\n <\/g><\/g> <\/path> <\/path> <\/g> <\/g><\/svg> <\/div>\r\n

Visit the nearest BDL branch<\/h3>\r\n
Bring your documents with you.<\/div>\r\n <\/div>\r\n
\r\n
<\/div>\r\n
\r\n <\/g><\/g>

Prepare and submit your application.<\/h3>\r\n
Submit the complete application to your account manager (processing \u2264 30 days).<\/div>\r\n <\/div>\r\n
\r\n
<\/div>\r\n
\r\n <\/g><\/g><\/path><\/path><\/path><\/path><\/path><\/path><\/g><\/svg> <\/div>\r\n

Approval & fund disbursement<\/h3>\r\n
The loan is approved, and you can access the financing within 3 to 9 months.<\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n

\r\n FAQ<\/span>\r\n <\/i>\r\n <\/h3>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t\t
\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n
\r\n Why choose the TABRID credit? <\/a>\r\n <\/div>\r\n
Because it allows you to secure your agricultural production and significantly reduce post-harvest losses through cold storage, without bearing the cost of interest.<\/div>\r\n <\/div>\r\n
\r\n
\r\n How much can I obtain? <\/a>\r\n <\/div>\r\n
Up to 150 million dinars, with financing covering up to 90% of the project cost. Your minimum personal contribution is therefore only 10%.<\/div>\r\n <\/div>\r\n
\r\n
\r\n Is the interest really covered? <\/a>\r\n <\/div>\r\n
Yes. The TABRID credit benefits from full interest subsidization (100%) for the entire duration of the loan, provided repayment is made on time. You only repay the capital.<\/div>\r\n <\/div>\r\n
\r\n
\r\n Can I start repaying later? <\/a>\r\n <\/div>\r\n
Yes, you benefit from a deferral of 1 to 5 years, allowing you to install and operate your refrigeration infrastructure before beginning repayment.<\/div>\r\n <\/div>\r\n
\r\n
\r\n I am a concession holder, am I eligible? <\/a>\r\n <\/div>\r\n
Yes. Concession holders of land under the State's private domain are expressly eligible for the TABRID credit.<\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
\n\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t
\r\n
\r\n
\r\n How long do I have to use the credit?<\/a>\r\n <\/div>\r\n
Between 6 and 24 months maximum from the date the credit is set up, giving you plenty of time to start the work.<\/div>\r\n <\/div>\r\n
\r\n
\r\n What happens if I don't repay by the deadline? <\/a>\r\n <\/div>\r\n
The subsidy is lost. The interest due and late payment penalties then become entirely the responsibility of the beneficiary.<\/div>\r\n <\/div>\r\n
\r\n
\r\n Why invest in cold storage? <\/a>\r\n <\/div>\r\n
Cold storage allows you to sell your production at the most profitable time rather than during surplus periods, avoid post-harvest losses and significantly improve your profitability.<\/div>\r\n <\/div>\r\n
\r\n
\r\n Is technical approval mandatory?<\/a>\r\n <\/div>\r\n
Yes. Your project must first receive technical approval from the agricultural services of the relevant wilaya. This is an essential condition before submitting the file to BDL.<\/div>\r\n <\/div>\r\n
\r\n
\r\n What if my project is delayed? <\/a>\r\n <\/div>\r\n
The repayment deferral (1 to 5 years) and the utilization period (up to 24 months) give you a comfortable margin to install and start your infrastructure before beginning repayment.<\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

TABRID Investment Credit What is it? The TABRID credit is a subsidized interest investment loan, dedicated to farmer-producers, aimed at securing their production and reducing post-harvest losses. It is intended for the construction of cold rooms and\/or refrigerated warehouses. The bank can finance up to 90% of the project amount. The TABRID credit is capped at 150 million dinars. Projects must first receive technical approval from the agricultural services of the relevant wilaya. Advantages Financing up to 90% of the project: BDL covers up to 90% of the total cost, significantly reducing your personal contribution. Zero financial cost: Interest is covered 100% by the Ministry of Agriculture for the entire duration of the loan (up to 10 years). You repay only the capital. Repayment deferral: Benefit from a deferral of 1 to 5 years, allowing you to operate your facility before starting repayment. Long repayment period: Up to 10 years, suited to the nature of long-term agricultural investments. Generous utilization period: Between 6 and 24 months to mobilize the credit from the date it is set up. Flexible repayment: Monthly, quarterly or semi-annual depending on your situation. Improved profitability: Cold storage allows you to sell your production at the right time, avoid losses and optimize your income. Institutional framework: Governed by a national agricultural agreement with technical validation by the wilaya's agricultural services and institutional monitoring by a joint committee. Eligibility The beneficiary must be a farmer holding a valid farmer’s card. Those concerned are: Farmers who own private land Concession holders of agricultural land under the State's private domain Farmers organized in cooperatives Producers whose output requires cold storage Requirements: Be an investor carrying out an agricultural activity Operate as an individual (no obligation to be part of a company or cooperative) Have legally exploited land: title deed, concession deed or valid lease agreement Hold a farmer's card or be registered with the competent agricultural bodies Have a Tax Identification Number (NIF) Have a regular administrative status (identity documents, residence) Not be in default on previous loans Be able to demonstrate repayment capacity linked to agricultural activity Present a project plan approved by the wilaya's agricultural services Financing Duration Total loan period: 10 years Repayment deferral: 1 to 5 years Credit utilization period: maximum 6 to 24 months from the setup date Application processing time: maximum 30 days (complete and compliant file) Financial Conditions Maximum amount: 150,000,000 DZD Financing ratio: up to 90% of the total project cost Interest rate: fully subsidized (100%) \u2014 no interest charged to the beneficiary if repaid on time Repayment frequency: monthly, quarterly or semi-annual Application processing fee: 10,000 DZD Notification commission: 10,000 DZD Management commission: 10,000 DZD Important: The subsidy is lost in the event of total or partial non-repayment of the principal at maturity. The interest due and late payment penalties then become the responsibility of the beneficiary. Guarantees Coverage by the Agricultural Guarantee Fund via the Investment Credit Guarantee Fund (CGCI-PME) BDL may require additional guarantees depending on the application profile What this credit finances Construction of cold rooms (capacity between 300 m\u00b3 and 5,000 m\u00b3) Construction and equipment of refrigerated warehouses Acquisition of refrigeration equipment and materials Civil engineering works related to refrigeration infrastructure Any investment technically approved by the wilaya's agricultural services The + Benefit from agricultural investment financing of up to 150 million DZD, interest-free, on presentation of: Valid farmer's card Tax Identification Number (NIF) Title deed, concession deed or valid lease agreement Project technically approved by the wilaya's agricultural services Subject to file analysis and applicable financial conditions. S'inscrire Visit the nearest BDL branch Bring your documents with you. Prepare and submit your application. Submit the complete application to your account manager (processing \u2264 30 days). Approval & fund disbursement The loan is approved, and you can access the financing within 3 to 9 months. FAQ Why choose the TABRID credit? Because it allows you to secure your agricultural production and significantly reduce post-harvest losses through cold storage, without bearing the cost of interest. How much can I obtain? Up to 150 million dinars, with financing covering up to 90% of the project cost. Your minimum personal contribution is therefore only 10%. Is the interest really covered? Yes. The TABRID credit benefits from full interest subsidization (100%) for the entire duration of the loan, provided repayment is made on time. You only repay the capital. Can I start repaying later? Yes, you benefit from a deferral of 1 to 5 years, allowing you to install and operate your refrigeration infrastructure before beginning repayment. I am a concession holder, am I eligible? Yes. Concession holders of land under the State’s private domain are expressly eligible for the TABRID credit. How long do I have to use the credit? Between 6 and 24 months maximum from the date the credit is set up, giving you plenty of time to start the work. What happens if I don't repay by the deadline? The subsidy is lost. The interest due and late payment penalties then become entirely the responsibility of the beneficiary. Why invest in cold storage? Cold storage allows you to sell your production at the most profitable time rather than during surplus periods, avoid post-harvest losses and significantly improve your profitability. Is technical approval mandatory? Yes. Your project must first receive technical approval from the agricultural services of the relevant wilaya. This is an essential condition before submitting the file to BDL. What if my project is delayed? The repayment deferral (1 to 5 years) and the utilization period (up to 24 months) give you a comfortable margin to install and start your infrastructure before beginning repayment.<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-11921","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/11921","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/comments?post=11921"}],"version-history":[{"count":7,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/11921\/revisions"}],"predecessor-version":[{"id":11930,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/11921\/revisions\/11930"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/media?parent=11921"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}