{"id":12191,"date":"2026-08-26T11:25:22","date_gmt":"2026-08-26T10:25:22","guid":{"rendered":"https:\/\/www.bdl.dz\/en\/?page_id=12191"},"modified":"2026-08-26T11:26:45","modified_gmt":"2026-08-26T10:26:45","slug":"passenger-bus-fleet-renewal-financing","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/en\/passenger-bus-fleet-renewal-financing\/","title":{"rendered":"Passenger bus fleet renewal financing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"12191\" class=\"elementor elementor-12191\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4619e558 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"4619e558\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0b333e elementor-widget__width-inherit exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-image\" data-id=\"a0b333e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.bdl.dz\/en\/wp-content\/uploads\/2026\/08\/BANNIERE-FINACEMENT-BUS-ANGLAIS.png\" title=\"BANNI\u00c9RE-FINACEMENT-BUS-ANGLAIS\" alt=\"BANNI\u00c9RE-FINACEMENT-BUS-ANGLAIS\" loading=\"lazy\" \/>\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<div class=\"elementor-element elementor-element-4fc73d7 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-column-slider-no wpr-equal-height-no e-con e-parent\" data-id=\"4fc73d7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d74b3d2 exad-sticky-section-no exad-glass-effect-no elementor-widget elementor-widget-html\" data-id=\"d74b3d2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!-- BDL - Passenger bus fleet renewal financing | English version -->\r\n<style>\r\n  .bdl-bus-page{\r\n    --bdl-violet:#772481;\r\n    --bdl-violet-dark:#5e1768;\r\n    --bdl-violet-soft:#f7f1f8;\r\n    --bdl-gold:#d6a326;\r\n    --bdl-ink:#25212a;\r\n    --bdl-text:#504a55;\r\n    --bdl-muted:#746d78;\r\n    --bdl-line:#e9e3eb;\r\n    --bdl-white:#ffffff;\r\n    --bdl-bg:#fbfafc;\r\n    --bdl-radius:18px;\r\n    --bdl-shadow:0 14px 38px rgba(59,25,66,.08);\r\n    font-family:inherit;\r\n    color:var(--bdl-text);\r\n    background:var(--bdl-white);\r\n    line-height:1.7;\r\n  }\r\n\r\n  .bdl-bus-page *,\r\n  .bdl-bus-page *::before,\r\n  .bdl-bus-page *::after{box-sizing:border-box;}\r\n\r\n  .bdl-bus-page a{text-decoration:none;}\r\n  .bdl-bus-wrap{width:min(1180px, calc(100% - 40px)); 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  height:38px;\r\n    margin-bottom:16px;\r\n    border-radius:11px;\r\n    background:var(--bdl-violet);\r\n    color:#fff;\r\n    font-weight:850;\r\n  }\r\n\r\n  .bdl-bus-step h3{font-size:17px;}\r\n  .bdl-bus-step p{font-size:14px;color:var(--bdl-muted);}\r\n\r\n  \/* FAQ - pr\u00e9sentation align\u00e9e sur le site BDL actuel *\/\r\n  .bdl-bus-faq-title{\r\n    display:flex;\r\n    align-items:center;\r\n    gap:22px;\r\n    margin-bottom:42px;\r\n  }\r\n\r\n  .bdl-bus-faq-title::before{\r\n    content:\"\";\r\n    display:block;\r\n    width:42px;\r\n    height:3px;\r\n    background:var(--bdl-gold);\r\n    flex:0 0 42px;\r\n  }\r\n\r\n  .bdl-bus-faq-title h2{\r\n    margin:0;\r\n    color:var(--bdl-violet);\r\n    font-size:28px;\r\n    font-weight:800;\r\n    line-height:1.2;\r\n  }\r\n\r\n  .bdl-bus-faq{\r\n    display:grid;\r\n    grid-template-columns:repeat(2, minmax(0, 1fr));\r\n    gap:16px 32px;\r\n    width:100%;\r\n    margin:0;\r\n  }\r\n\r\n  .bdl-bus-faq details{\r\n    margin:0;\r\n    background:#fff;\r\n    border:1px solid #e4e0e5;\r\n    border-radius:0;\r\n    overflow:hidden;\r\n    align-self:start;\r\n  }\r\n\r\n  .bdl-bus-faq summary{\r\n    position:relative;\r\n    min-height:72px;\r\n    display:flex;\r\n    align-items:center;\r\n    padding:20px 54px 20px 22px;\r\n    cursor:pointer;\r\n    list-style:none;\r\n    color:#171317;\r\n    font-size:16px;\r\n    font-weight:750;\r\n    line-height:1.45;\r\n    background:#fff;\r\n  }\r\n\r\n  .bdl-bus-faq summary::-webkit-details-marker{display:none;}\r\n\r\n  .bdl-bus-faq summary::after{\r\n    content:\"\u2304\";\r\n    position:absolute;\r\n    right:24px;\r\n    top:50%;\r\n    transform:translateY(-54%);\r\n    color:#9a949c;\r\n    font-size:18px;\r\n    line-height:1;\r\n    font-weight:700;\r\n  }\r\n\r\n  .bdl-bus-faq details[open] summary{\r\n    color:#171317;\r\n    border-bottom:1px solid #ece8ed;\r\n  }\r\n\r\n  .bdl-bus-faq details[open] summary::after{\r\n    content:\"\u2303\";\r\n    transform:translateY(-46%);\r\n  }\r\n\r\n  .bdl-bus-faq-content{\r\n    padding:18px 22px 21px;\r\n    color:var(--bdl-text);\r\n    font-size:15px;\r\n    line-height:1.7;\r\n    background:#fff;\r\n  }\r\n\r\n  .bdl-bus-note{\r\n    margin-top:26px;\r\n    padding:20px 22px;\r\n    border:1px solid #e7dde9;\r\n    border-radius:14px;\r\n    background:#faf7fb;\r\n    font-size:13.5px;\r\n    color:#665e69;\r\n  }\r\n\r\n  .bdl-bus-note strong{color:var(--bdl-violet);}\r\n\r\n  @media (max-width: 980px){\r\n    .bdl-bus-hero-grid{grid-template-columns:1fr;}\r\n    .bdl-bus-busicon{display:none;}\r\n    .bdl-bus-kpi-grid{grid-template-columns:repeat(2,1fr);}\r\n    .bdl-bus-card-grid{grid-template-columns:repeat(2,1fr);}\r\n    .bdl-bus-steps{grid-template-columns:repeat(2,1fr);}\r\n  }\r\n\r\n  @media (max-width: 720px){\r\n    .bdl-bus-hero-title{gap:16px;margin-bottom:22px;}\r\n    .bdl-bus-hero-title::before{width:36px;flex-basis:36px;}\r\n\r\n    .bdl-bus-faq{grid-template-columns:1fr;gap:14px;}\r\n\r\n    .bdl-bus-wrap{width:min(100% - 28px, 1180px);}\r\n    .bdl-bus-hero{padding:38px 0 32px;}\r\n    .bdl-bus-hero p{font-size:16px;}\r\n    .bdl-bus-kpis{margin-top:-18px;}\r\n    .bdl-bus-kpi-grid,\r\n    .bdl-bus-card-grid,\r\n    .bdl-bus-split,\r\n    .bdl-bus-steps{grid-template-columns:1fr;}\r\n    .bdl-bus-section{padding:52px 0;}\r\n    .bdl-bus-kpi{min-height:auto;}\r\n    .bdl-bus-cta-grid{align-items:flex-start;flex-direction:column;}\r\n    .bdl-bus-cta{padding:28px 22px;}\r\n    .bdl-bus-btn{width:100%;}\r\n  }\r\n\r\n  @media (prefers-reduced-motion: reduce){\r\n    .bdl-bus-page *{scroll-behavior:auto!important;transition:none!important;}\r\n  }\r\n<\/style>\r\n<main class=\"bdl-bus-page\" lang=\"en\" dir=\"ltr\">\r\n\r\n<section class=\"bdl-bus-hero\">\r\n<div class=\"bdl-bus-wrap bdl-bus-hero-grid\">\r\n<div>\r\n<div class=\"bdl-bus-hero-title\">\r\n<h1>Renew your bus with BDL financing<\/h1>\r\n<\/div>\r\n<p>\r\nThe Local Development Bank (BDL) supports passenger transport professionals in renewing their vehicle fleets through an investment loan designed to replace buses that are more than 25 years old.\r\n<\/p>\r\n<div class=\"bdl-bus-hero-actions\">\r\n<a class=\"bdl-bus-btn bdl-bus-btn-primary\" href=\"#bdl-bus-demarche\">How to benefit?<\/a>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/section>\r\n\r\n<section aria-label=\"Key financing terms\" class=\"bdl-bus-kpis\">\r\n<div class=\"bdl-bus-wrap bdl-bus-kpi-grid\">\r\n<div class=\"bdl-bus-kpi\">\r\n<strong>90%<\/strong>\r\n<span>Financing available<\/span>\r\n<small>of the bus purchase price, including tax<\/small>\r\n<\/div>\r\n<div class=\"bdl-bus-kpi\">\r\n<strong>10%<\/strong>\r\n<span>Minimum personal contribution<\/span>\r\n<small>of the purchase price, including tax<\/small>\r\n<\/div>\r\n<div class=\"bdl-bus-kpi\">\r\n<strong>10 years<\/strong>\r\n<span>Maximum repayment term<\/span>\r\n<small>subject to application assessment<\/small>\r\n<\/div>\r\n<div class=\"bdl-bus-kpi\">\r\n<strong>5.5%<\/strong>\r\n<span>Annual interest rate<\/span>\r\n<small>excluding tax, on the amount actually drawn<\/small>\r\n<\/div>\r\n<\/div>\r\n<\/section>\r\n\r\n<section class=\"bdl-bus-section\">\r\n<div class=\"bdl-bus-wrap\">\r\n<div class=\"bdl-bus-section-head\">\r\n<span class=\"bdl-bus-kicker\">Financing<\/span>\r\n<h2>A dedicated loan for renewing the passenger transport fleet<\/h2>\r\n<p>\r\nThis financing enables eligible transport operators to acquire a new bus in order to modernise their fleet, improve the quality of service provided to passengers and contribute to the renewal of the public passenger transport fleet.\r\n<\/p>\r\n<p>\r\nFinancing is granted subject to compliance with the eligibility requirements, submission of the required authorisations and assessment of the application by BDL.\r\n<\/p>\r\n<\/div>\r\n\r\n<div class=\"bdl-bus-card-grid\">\r\n<article class=\"bdl-bus-card\">\r\n<div class=\"bdl-bus-card-icon\">01<\/div>\r\n<h3>Up to 90% financing<\/h3>\r\n<p>BDL may finance up to <strong>90% of the bus purchase price, including tax<\/strong>, subject to the loan approval conditions.<\/p>\r\n<\/article>\r\n\r\n<article class=\"bdl-bus-card\">\r\n<div class=\"bdl-bus-card-icon\">02<\/div>\r\n<h3>Minimum 10% personal contribution<\/h3>\r\n<p>The beneficiary contributes at least <strong>10% of the bus purchase price, including tax<\/strong> toward the investment.<\/p>\r\n<\/article>\r\n\r\n<article class=\"bdl-bus-card\">\r\n<div class=\"bdl-bus-card-icon\">03<\/div>\r\n<h3>Repayment term of up to 10 years<\/h3>\r\n<p>The loan repayment term may be up to <strong>10 years<\/strong>, depending on the applicable conditions and assessment of the application.<\/p>\r\n<\/article>\r\n\r\n<article class=\"bdl-bus-card\">\r\n<div class=\"bdl-bus-card-icon\">04<\/div>\r\n<h3>Quarterly instalments<\/h3>\r\n<p>The loan is repaid through <strong>quarterly instalments<\/strong>, in accordance with the repayment schedule agreed with the Bank.<\/p>\r\n<\/article>\r\n\r\n<article class=\"bdl-bus-card\">\r\n<div class=\"bdl-bus-card-icon\">05<\/div>\r\n<h3>New bus<\/h3>\r\n<p>The loan finances the acquisition of a <strong>new bus intended for passenger transport<\/strong>, replacing a vehicle that meets the age criteria set under the scheme.<\/p>\r\n<\/article>\r\n\r\n<article class=\"bdl-bus-card\">\r\n<div class=\"bdl-bus-card-icon\">06<\/div>\r\n<h3>Dedicated financing<\/h3>\r\n<p>The loan is specifically intended for the <strong>replacement of buses more than 25 years old<\/strong> under the passenger transport fleet renewal scheme.<\/p>\r\n<\/article>\r\n<\/div>\r\n<\/div>\r\n<\/section>\r\n\r\n<section class=\"bdl-bus-section bdl-bus-section-alt\">\r\n<div class=\"bdl-bus-wrap\">\r\n<div class=\"bdl-bus-split\">\r\n\r\n<div class=\"bdl-bus-panel\">\r\n<span class=\"bdl-bus-kicker\">Eligibility<\/span>\r\n<h2>Who can benefit?<\/h2>\r\n<p>\r\nThis loan is intended for <strong>passenger transport professionals<\/strong>, whether individuals or legal entities, who meet the required conditions.\r\n<\/p>\r\n<ul class=\"bdl-bus-checklist\">\r\n<li>Carry out a passenger transport activity.<\/li>\r\n<li>Be covered by the scheme for replacing buses that are more than 25 years old.<\/li>\r\n<li>Hold the eligibility certificate issued by the Ministry of the Interior, Local Authorities and Transport, where required.<\/li>\r\n<li>Hold all operating authorisations required to carry out the activity.<\/li>\r\n<li>Submit a complete application enabling the Bank to assess repayment capacity and the viability of the transaction.<\/li>\r\n<\/ul>\r\n<\/div>\r\n\r\n<div class=\"bdl-bus-panel\">\r\n<span class=\"bdl-bus-kicker\">Purpose<\/span>\r\n<h2>What does the loan finance?<\/h2>\r\n<p>\r\nThe loan is intended to finance the acquisition of a <strong>new bus for passenger transport<\/strong>, as part of the replacement of a bus meeting the age criteria set under the scheme.\r\n<\/p>\r\n<div class=\"bdl-bus-highlight\">\r\n<h3>Key point<\/h3>\r\n<p>The financing is provided in accordance with the terms of the scheme and the specifications of the selected vehicle.<\/p>\r\n<\/div>\r\n<\/div>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/section>\r\n\r\n<section class=\"bdl-bus-section\">\r\n<div class=\"bdl-bus-wrap\">\r\n<div class=\"bdl-bus-section-head\">\r\n<span class=\"bdl-bus-kicker\">Financial terms<\/span>\r\n<h2>Terms designed for a long-term investment<\/h2>\r\n<\/div>\r\n\r\n<div class=\"bdl-bus-split\">\r\n<div class=\"bdl-bus-panel\">\r\n<h3>Loan amount and personal contribution<\/h3>\r\n<p>\r\nBDL may finance up to <strong>90% of the bus purchase price, including tax<\/strong>.\r\nThe amount actually granted is determined after assessment of the application, taking into account the eligibility requirements, the beneficiary\u2019s repayment capacity and the characteristics of the investment.\r\n<\/p>\r\n<p>The minimum personal contribution is set at <strong>10% of the bus purchase price, including tax<\/strong>.<\/p>\r\n<\/div>\r\n\r\n<div class=\"bdl-bus-panel\">\r\n<div class=\"bdl-bus-rate\">\r\n<div class=\"bdl-bus-rate-number\">\r\n5.5%\r\n<small>per year, excluding tax<\/small>\r\n<\/div>\r\n<div>\r\n<h3>Interest rate<\/h3>\r\n<p>Calculated on the amount actually drawn, subject to the pricing terms in force on the date the loan is put in place.<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<div class=\"bdl-bus-card-grid\" style=\"margin-top:18px;\">\r\n<article class=\"bdl-bus-card\">\r\n<h3>Term<\/h3>\r\n<p>The loan repayment term may be up to <strong>10 years<\/strong>, subject to the applicable financing terms.<\/p>\r\n<\/article>\r\n\r\n<article class=\"bdl-bus-card\">\r\n<h3>Repayment frequency<\/h3>\r\n<p>Repayments are made through <strong>quarterly instalments<\/strong>.<\/p>\r\n<\/article>\r\n\r\n<article class=\"bdl-bus-card\">\r\n<h3>Early repayment<\/h3>\r\n<p>Full or partial early repayment may be made in accordance with the contractual terms and applicable regulations.<\/p>\r\n<\/article>\r\n<\/div>\r\n<\/div>\r\n<\/section>\r\n\r\n<section class=\"bdl-bus-section bdl-bus-section-alt\">\r\n<div class=\"bdl-bus-wrap\">\r\n<div class=\"bdl-bus-section-head\">\r\n<span class=\"bdl-bus-kicker\">Guarantees<\/span>\r\n<h2>Required guarantees<\/h2>\r\n<p>The financing can only be put in place once the guarantees required by BDL have been established.<\/p>\r\n<\/div>\r\n\r\n<div class=\"bdl-bus-highlight\">\r\n<ul class=\"bdl-bus-checklist\">\r\n<li>Pledge over the financed bus.<\/li>\r\n<li>Comprehensive insurance for the financed vehicle, including a subrogation clause in favour of the Bank.<\/li>\r\n<li>Death and disability insurance for individual applicants.<\/li>\r\n<li>Any other guarantee that may be required by the Bank depending on its assessment of the application.<\/li>\r\n<\/ul>\r\n<p style=\"margin-top:16px;\">\r\nThe final guarantees are determined by the Bank according to the nature of the financing, the beneficiary\u2019s profile and the level of risk associated with the transaction.\r\n<\/p>\r\n<\/div>\r\n<\/div>\r\n<\/section>\r\n\r\n<section class=\"bdl-bus-section\" id=\"bdl-bus-documents\">\r\n<div class=\"bdl-bus-wrap\">\r\n<div class=\"bdl-bus-section-head\">\r\n<span class=\"bdl-bus-kicker\">Application file<\/span>\r\n<h2>Documents required<\/h2>\r\n<p>Prepare the administrative, legal and financial documents required to assess your application.<\/p>\r\n<\/div>\r\n\r\n<div class=\"bdl-bus-split\">\r\n<div class=\"bdl-bus-panel\">\r\n<h3>Individual applicant<\/h3>\r\n<ul class=\"bdl-bus-docs\">\r\n<li>Duly signed financing application.<\/li>\r\n<li>Eligibility certificate.<\/li>\r\n<li>Copy of the biometric national identity card.<\/li>\r\n<li>Proof of residence.<\/li>\r\n<li>Commercial register.<\/li>\r\n<li>Pro forma invoice for the bus to be acquired.<\/li>\r\n<li>Invoice or supporting document relating to vehicle insurance.<\/li>\r\n<li>Undertaking to domicile business turnover with BDL.<\/li>\r\n<li>Authorisation to consult the Central Credit Register.<\/li>\r\n<li>Projected income and expenditure statement.<\/li>\r\n<li>Any additional document that may be requested by the Bank.<\/li>\r\n<\/ul>\r\n<\/div>\r\n\r\n<div class=\"bdl-bus-panel\">\r\n<h3>Legal entity<\/h3>\r\n<p>In addition to the documents required for an individual applicant, the application notably includes:<\/p>\r\n<ul class=\"bdl-bus-docs\">\r\n<li>Company articles of association.<\/li>\r\n<li>Tax Identification Number (NIF).<\/li>\r\n<li>Business plan \/ project study.<\/li>\r\n<li>Financial statements for the last three financial years.<\/li>\r\n<li>Statutory Auditor\u2019s report, where required.<\/li>\r\n<li>Valid CASNOS and CNAS certificates.<\/li>\r\n<li>Bank account details (RIB).<\/li>\r\n<li>Any additional document required for assessment of the application.<\/li>\r\n<\/ul>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/section>\r\n\r\n<section class=\"bdl-bus-section bdl-bus-section-alt\" id=\"bdl-bus-demarche\">\r\n<div class=\"bdl-bus-wrap\">\r\n<div class=\"bdl-bus-section-head\">\r\n<span class=\"bdl-bus-kicker\">Your application<\/span>\r\n<h2>How to benefit from the financing<\/h2>\r\n<\/div>\r\n\r\n<div class=\"bdl-bus-steps\">\r\n<article class=\"bdl-bus-step\">\r\n<h3>Check your eligibility<\/h3>\r\n<p>Make sure you meet the conditions set under the scheme and hold the authorisations required to carry out your activity.<\/p>\r\n<\/article>\r\n\r\n<article class=\"bdl-bus-step\">\r\n<h3>Prepare your application<\/h3>\r\n<p>Gather the required administrative, legal and financial documents, together with the pro forma invoice for the bus to be acquired.<\/p>\r\n<\/article>\r\n\r\n<article class=\"bdl-bus-step\">\r\n<h3>Submit your application<\/h3>\r\n<p>Submit your application to a BDL branch.<\/p>\r\n<\/article>\r\n\r\n<article class=\"bdl-bus-step\">\r\n<h3>Assessment and decision<\/h3>\r\n<p>BDL assesses your repayment capacity, the proposed guarantees and the viability of the transaction.<\/p>\r\n<\/article>\r\n\r\n<article class=\"bdl-bus-step\">\r\n<h3>Financing set-up<\/h3>\r\n<p>Once the Bank has approved the application and the required formalities have been completed, the financing is put in place in accordance with the contractual terms.<\/p>\r\n<\/article>\r\n<\/div>\r\n<\/div>\r\n<\/section>\r\n\r\n<section class=\"bdl-bus-section\">\r\n<div class=\"bdl-bus-wrap\">\r\n<div class=\"bdl-bus-cta\">\r\n<div class=\"bdl-bus-cta-grid\">\r\n<div>\r\n<span class=\"bdl-bus-kicker\" style=\"color:#f4cf70;\">The BDL advantage<\/span>\r\n<h2>Renew your fleet with BDL<\/h2>\r\n<p>\r\nUp to 90% financing, a minimum personal contribution of 10% and a repayment term of up to 10 years to help you modernise your passenger transport fleet.\r\n<\/p>\r\n<\/div>\r\n<a class=\"bdl-bus-btn bdl-bus-btn-primary\" href=\"tel:+21321994800\">021 99 48 00<\/a>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/section>\r\n\r\n<section class=\"bdl-bus-section\">\r\n<div class=\"bdl-bus-wrap\">\r\n<div class=\"bdl-bus-faq-title\">\r\n<h2>FAQ<\/h2>\r\n<\/div>\r\n\r\n<div class=\"bdl-bus-faq\">\r\n<details>\r\n<summary>Who can benefit from this loan?<\/summary>\r\n<div class=\"bdl-bus-faq-content\">\r\nThe financing is intended for passenger transport professionals, whether individuals or legal entities, who meet the eligibility requirements of the scheme.\r\n<\/div>\r\n<\/details>\r\n\r\n<details>\r\n<summary>How much can BDL finance?<\/summary>\r\n<div class=\"bdl-bus-faq-content\">\r\nBDL may finance up to <strong>90% of the bus purchase price, including tax<\/strong>, subject to assessment and approval by the Bank.\r\n<\/div>\r\n<\/details>\r\n\r\n<details>\r\n<summary>What is the minimum personal contribution?<\/summary>\r\n<div class=\"bdl-bus-faq-content\">\r\nThe minimum personal contribution is <strong>10% of the bus purchase price, including tax<\/strong>.\r\n<\/div>\r\n<\/details>\r\n\r\n<details>\r\n<summary>What is the loan term?<\/summary>\r\n<div class=\"bdl-bus-faq-content\">\r\nThe repayment term may be up to <strong>10 years<\/strong>, subject to the conditions applicable to the application.\r\n<\/div>\r\n<\/details>\r\n\r\n<details>\r\n<summary>How often are repayments made?<\/summary>\r\n<div class=\"bdl-bus-faq-content\">\r\nRepayments are made through <strong>quarterly instalments<\/strong>.\r\n<\/div>\r\n<\/details>\r\n\r\n<details>\r\n<summary>What is the interest rate?<\/summary>\r\n<div class=\"bdl-bus-faq-content\">\r\nThe interest rate indicated for this financing is <strong>5.5% per year, excluding tax<\/strong>, calculated on the amount actually drawn and subject to the pricing terms in force.\r\n<\/div>\r\n<\/details>\r\n\r\n<details>\r\n<summary>Which vehicles are covered?<\/summary>\r\n<div class=\"bdl-bus-faq-content\">\r\nThe financing covers the replacement of <strong>buses that are more than 25 years old<\/strong>, in accordance with the criteria and conditions of the scheme.\r\n<\/div>\r\n<\/details>\r\n\r\n<details>\r\n<summary>Is the eligibility certificate mandatory?<\/summary>\r\n<div class=\"bdl-bus-faq-content\">\r\nYes. Where required by the scheme, the applicant must provide the eligibility certificate issued by the competent authority.\r\n<\/div>\r\n<\/details>\r\n\r\n<details>\r\n<summary>What guarantees are required?<\/summary>\r\n<div class=\"bdl-bus-faq-content\">\r\nThe main guarantees include a pledge over the financed bus and the required insurance policies. Additional guarantees may be requested by the Bank depending on its assessment of the application.\r\n<\/div>\r\n<\/details>\r\n\r\n<details>\r\n<summary>Where can I submit my application?<\/summary>\r\n<div class=\"bdl-bus-faq-content\">\r\nThe financing application may be submitted to a <strong>BDL branch<\/strong>, together with all required documents.\r\n<\/div>\r\n<\/details>\r\n\r\n<details>\r\n<summary>Is financing automatic once I am eligible?<\/summary>\r\n<div class=\"bdl-bus-faq-content\">\r\nNo. Eligibility under the scheme does not in itself constitute a lending decision. Every financing application is subject to assessment of the file, evaluation of repayment capacity and compliance with BDL\u2019s lending conditions.\r\n<\/div>\r\n<\/details>\r\n<\/div>\r\n\r\n<div class=\"bdl-bus-note\">\r\n<strong>Important:<\/strong> Granting of the loan remains subject to assessment and approval of the application by BDL, as well as compliance with the regulatory, financial and pricing terms in force.\r\n<br\/><br\/>\r\nFinancing terms, interest rates, fees, guarantees and repayment arrangements may change in accordance with applicable regulations and the Bank\u2019s terms and conditions in force.\r\n<\/div>\r\n<\/div>\r\n<\/section>\r\n\r\n<\/main>\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":"<p>Renew your bus with BDL financing The Local Development Bank (BDL) supports passenger transport professionals in renewing their vehicle fleets through an investment loan designed to replace buses that are more than 25 years old. How to benefit? 90% Financing available of the bus purchase price, including tax 10% Minimum personal contribution of the purchase price, including tax 10 years Maximum repayment term subject to application assessment 5.5% Annual interest rate excluding tax, on the amount actually drawn Financing A dedicated loan for renewing the passenger transport fleet This financing enables eligible transport operators to acquire a new bus in order to modernise their fleet, improve the quality of service provided to passengers and contribute to the renewal of the public passenger transport fleet. Financing is granted subject to compliance with the eligibility requirements, submission of the required authorisations and assessment of the application by BDL. 01 Up to 90% financing BDL may finance up to 90% of the bus purchase price, including tax, subject to the loan approval conditions. 02 Minimum 10% personal contribution The beneficiary contributes at least 10% of the bus purchase price, including tax toward the investment. 03 Repayment term of up to 10 years The loan repayment term may be up to 10 years, depending on the applicable conditions and assessment of the application. 04 Quarterly instalments The loan is repaid through quarterly instalments, in accordance with the repayment schedule agreed with the Bank. 05 New bus The loan finances the acquisition of a new bus intended for passenger transport, replacing a vehicle that meets the age criteria set under the scheme. 06 Dedicated financing The loan is specifically intended for the replacement of buses more than 25 years old under the passenger transport fleet renewal scheme. Eligibility Who can benefit? This loan is intended for passenger transport professionals, whether individuals or legal entities, who meet the required conditions. Carry out a passenger transport activity. Be covered by the scheme for replacing buses that are more than 25 years old. Hold the eligibility certificate issued by the Ministry of the Interior, Local Authorities and Transport, where required. Hold all operating authorisations required to carry out the activity. Submit a complete application enabling the Bank to assess repayment capacity and the viability of the transaction. Purpose What does the loan finance? The loan is intended to finance the acquisition of a new bus for passenger transport, as part of the replacement of a bus meeting the age criteria set under the scheme. Key point The financing is provided in accordance with the terms of the scheme and the specifications of the selected vehicle. Financial terms Terms designed for a long-term investment Loan amount and personal contribution BDL may finance up to 90% of the bus purchase price, including tax. The amount actually granted is determined after assessment of the application, taking into account the eligibility requirements, the beneficiary\u2019s repayment capacity and the characteristics of the investment. The minimum personal contribution is set at 10% of the bus purchase price, including tax. 5.5% per year, excluding tax Interest rate Calculated on the amount actually drawn, subject to the pricing terms in force on the date the loan is put in place. Term The loan repayment term may be up to 10 years, subject to the applicable financing terms. Repayment frequency Repayments are made through quarterly instalments. Early repayment Full or partial early repayment may be made in accordance with the contractual terms and applicable regulations. Guarantees Required guarantees The financing can only be put in place once the guarantees required by BDL have been established. Pledge over the financed bus. Comprehensive insurance for the financed vehicle, including a subrogation clause in favour of the Bank. Death and disability insurance for individual applicants. Any other guarantee that may be required by the Bank depending on its assessment of the application. The final guarantees are determined by the Bank according to the nature of the financing, the beneficiary\u2019s profile and the level of risk associated with the transaction. Application file Documents required Prepare the administrative, legal and financial documents required to assess your application. Individual applicant Duly signed financing application. Eligibility certificate. Copy of the biometric national identity card. Proof of residence. Commercial register. Pro forma invoice for the bus to be acquired. Invoice or supporting document relating to vehicle insurance. Undertaking to domicile business turnover with BDL. Authorisation to consult the Central Credit Register. Projected income and expenditure statement. Any additional document that may be requested by the Bank. Legal entity In addition to the documents required for an individual applicant, the application notably includes: Company articles of association. Tax Identification Number (NIF). Business plan \/ project study. Financial statements for the last three financial years. Statutory Auditor\u2019s report, where required. Valid CASNOS and CNAS certificates. Bank account details (RIB). Any additional document required for assessment of the application. Your application How to benefit from the financing Check your eligibility Make sure you meet the conditions set under the scheme and hold the authorisations required to carry out your activity. Prepare your application Gather the required administrative, legal and financial documents, together with the pro forma invoice for the bus to be acquired. Submit your application Submit your application to a BDL branch. Assessment and decision BDL assesses your repayment capacity, the proposed guarantees and the viability of the transaction. Financing set-up Once the Bank has approved the application and the required formalities have been completed, the financing is put in place in accordance with the contractual terms. The BDL advantage Renew your fleet with BDL Up to 90% financing, a minimum personal contribution of 10% and a repayment term of up to 10 years to help you modernise your passenger transport fleet. 021 99 48 00 FAQ Who can benefit from this loan? The financing is intended for passenger transport professionals, whether individuals or legal entities, who meet the eligibility requirements of the scheme. How much can BDL finance? BDL may finance up to 90% of<\/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-12191","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/12191","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=12191"}],"version-history":[{"count":4,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/12191\/revisions"}],"predecessor-version":[{"id":12196,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/12191\/revisions\/12196"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/media?parent=12191"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}