{"id":2468,"date":"2020-12-01T15:21:03","date_gmt":"2020-12-01T15:21:03","guid":{"rendered":"http:\/\/localhost\/bdl\/?page_id=2468"},"modified":"2020-12-01T15:21:03","modified_gmt":"2020-12-01T15:21:03","slug":"investment-financing","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/en\/investment-financing\/","title":{"rendered":"Investment financing"},"content":{"rendered":"\t\t
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\r\n 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
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What is it ?<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Medium-term investment credit: Any investment project, creation, extension or renewal of means of production can be financed by the BDL through a medium-term credit;<\/p>

Long-term investment credit: this is a credit intended to finance the tourism sector.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Credit file processing time<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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After completion of all the required documents and from the introduction of the request, the bank will provide a response to customers within a maximum of 30 days.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n

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Credit Amount\u00a0<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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The amount of the credit is determined according to the repayment capacity of the project and the cash flow generated.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Credit period\u00a0<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\r\n\t \t\tMedium-term credit (CMT): Repayment is made over a period of three (03) to seven (07) years, a deferred repayment period of 6 months to 3 years may be granted.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tLong-term credit (CLT): Repayment is made over more than seven (07) years.\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 <\/div>\n <\/div>\n <\/div>\n <\/section>\n <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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\r\n \r\n \r\n <\/span>\r\n Apply for financing online<\/span>\r\n <\/a>\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
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\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 <\/div>\n <\/div>\n <\/div>\n <\/section>\n
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\r\n What is investment credit?<\/a>\r\n <\/div>\r\n
The investment credit is intended to finance any business creation or expansion project and in the event of the renewal of the means of production.<\/div>\r\n <\/div>\r\n
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\r\n What types of investment credits are marketed by the BDL?<\/a>\r\n <\/div>\r\n
Medium-term investment credits (CMT) :
\n1.\t1. The BDL grants the CMT for a period of 3 to 7 years for all sectors of economic activity. The repayment period is accompanied by a deferred period ranging from six (06) to thirty-six (36) months depending on the amount of credit granted and the investment sector.
\nLong term-credits :
\n1.\tLong-term credit concerns the financing of the Tourism sector, the repayment term of which is ten (10) years in accordance with the agreement signed between the BDL and the Ministry of Tourism. The repayment period is accompanied by a deferred period of up to three (03) years.
\nDownstream, Customs Guarantees:
\n1.\tMarket guarantees (auctions, lump-sum advance or on supply, etc.);
\n2.\tDocumentary credits (import-export);
\n3.\tThe bid bond, lump sum advance bond and performance bond.
\n<\/div>\r\n <\/div>\r\n
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\r\n What is the repayment period of the investment Credit?<\/a>\r\n <\/div>\r\n
The usual repayment period of an investment loan is spread over a period ranging from three (03) to seven (07) years, a deferred repayment period of six (06) months to three (03) years can be granted.<\/div>\r\n <\/div>\r\n
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\r\n What is the amount of the credit?<\/a>\r\n <\/div>\r\n
The amount of the credit is determined according to the repayment capacity of the project and the cash flow generated.<\/div>\r\n <\/div>\r\n
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\r\n What is the processing time for the credit file?<\/a>\r\n <\/div>\r\n
Subject to the completeness of all the required documents and from the introduction of the request, the bank will provide a response to customers within a maximum of 30 days.<\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n
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\r\n What is the interest rate for investment credit?<\/a>\r\n <\/div>\r\n
Les cr\u00e9dits bancaires sont r\u00e9mun\u00e9r\u00e9s sur la base d\u2019une tarification arr\u00eat\u00e9e p\u00e9riodiquement par la banque.
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\nActuellement le taux d\u2019int\u00e9r\u00eat des cr\u00e9dits d\u2019investissement est de 3,5% avec la prise en charge par le tr\u00e9sor de la bonification du taux d\u2019int\u00e9r\u00eat et des int\u00e9r\u00eats intercalaires \u00ab loi de finance compl\u00e9mentaire 2011 \u00bb.
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\nBank credits are remunerated on the basis of a pricing set periodically by the bank.
\nCurrently, the interest rate for investment credits is 3.5% with the treasury taking charge of the interest rate bonus and the interim interest \u201csupplementary finance law 2011\u201d.
\nInvestments in tourism projects to be carried out at the level of the wilayas of the north and those of the south benefit respectively from a bonus of 3% and 4.5% of the interest rate applicable to bank loans (ordinance n \u00b0 09-01 of July 22 2009 relating to the complementary Finance law for 2009).
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\r\n What are the guarantees that I could offer to the bank as part of an investment Credit?<\/a>\r\n <\/div>\r\n
The guarantees relating to investment credit which you can present to the bank are:
\n1.\tThe mortgage of real estate, the pledge of cash certificates or term deposits;
\n2.\tMaterial collateral \u201cif the object of financing is material\u201d;
\n3.\tThe vehicle pledge \u201cif the object of financing is rolling stock\u201d;
\n4.\tThe joint surety of the partners;
\n5.\tThe surety of a solvent third party;
\n6.\tMembership of the institutional guarantee fund (CGCI \u2013 FGAR);
\n7.\tInsurance.
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\r\n Under what conditions is the credit granted?<\/a>\r\n <\/div>\r\n
The investment credit is subject to conditions, the most important of which are:
\n1.\tPayment of the self-financing part;
\n2.\tRealization of guarantees;
\n3.\tDirect payment to supplier;
\n4.\tAnd above all, compliance with the investment sections indicated in the technical-economic study presented by the promoter.
\nThe Bank may require any other conditions likely to guarantee the implementation of the project and its entry into operation (the quality of the stakeholders in the implementation of the projects and in the supply of equipment).<\/div>\r\n <\/div>\r\n
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\r\n We are a company, can the BDL grant us an investment Credit? What are the documents to provide?<\/a>\r\n <\/div>\r\n
The BDL can grant you an investment credit, to do this, you are requested to present yourself at one of our BDL branches with the following file (in triplicate).
\nAn application for an investment Credit:
\n1.\tit must include the amount and duration of the credit requested, the self-financing share of the project and the guarantees offered by the company. This request must be signed by a person duly authorized by the company.
\nThe administrative and legal documents, below:
\n1.\tLegalized true copy of the Trade register;
\n2.\tLegalized copy of the articles of association for companies;
\n3.\tMinutes of the general meeting of shareholders by which the manager or the general manager of the company is authorized to contract loans if this provision is not provided for in the articles of association;
\n4.\tLegalized true copy of the official announcements bulletin;
\n5.\tAuthenticated copy of the deed of ownership or lease of the premises hosting the activity;
\n6.\tIf it is a project within the framework of ANDI \"A legalized copy of the decision granting benefits\";
\n7.\tCVs of managers and main promoters;
\n8.\tCopy of the legally required approval or authorization;
\n9.\tCopy of the official bulletin of legal announcements (BOAL);
\n10.\tCopy of the title deed, administrative act, concession or rental lease of the land and\/or premises hosting the project;
\n11.\tDeclaration of the board of directors authorizing the investment for SPAs;
\n12.\tPro-forma invoices and\/or recent commercial contracts for the equipment to be acquired;
\n13.\tValid building permit.
\nThe accounting and tax documents, below :
\n1.\tComplete technical, economic and financial study of the project: presentation of the project, market study, balance sheet and projected TCR;
\n2.\tTax and social certificate of less than three months;
\n3.\tBalance sheets and annexes for the last three (3) years, when it comes to a request for extension or renewal credit;
\n4.\tAuditor's report;
\n5.\tPro forma invoice and\/or equipment purchase Agreement;
\n6.\tDescriptive and estimated estimate of building and civil engineering works;
\n7.\tExpertise and\/or supporting document for work already carried out or equipment acquired.
\nThe technical documents, below:
\n1.\tBuilding permit;
\n2.\tArchitectural plan;
\n3.\tConcession authorization and geological study;
\n4.\tProject implementation schedule;
\n5.\tAny other documents that could support your application (Professional experience, etc.).
\n<\/div>\r\n <\/div>\r\n <\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t <\/div>\n <\/div>\n <\/div>\n <\/section>\n \t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Investment credit What is it ? Medium-term investment credit: Any investment project, creation, extension or renewal of means of production can be financed by the BDL through a medium-term credit; Long-term investment credit: this is a credit intended to finance the tourism sector. Credit file processing time After completion of all the required documents and from the introduction of the request, the bank will provide a response to customers within a maximum of 30 days. Credit Amount\u00a0 The amount of the credit is determined according to the repayment capacity of the project and the cash flow generated. Credit period\u00a0 Medium-term credit (CMT): Repayment is made over a period of three (03) to seven (07) years, a deferred repayment period of 6 months to 3 years may be granted. Long-term credit (CLT): Repayment is made over more than seven (07) years. Apply for financing online FAQ What is investment credit? The investment credit is intended to finance any business creation or expansion project and in the event of the renewal of the means of production. What types of investment credits are marketed by the BDL? Medium-term investment credits (CMT) : 1. 1. The BDL grants the CMT for a period of 3 to 7 years for all sectors of economic activity. The repayment period is accompanied by a deferred period ranging from six (06) to thirty-six (36) months depending on the amount of credit granted and the investment sector. Long term-credits : 1. Long-term credit concerns the financing of the Tourism sector, the repayment term of which is ten (10) years in accordance with the agreement signed between the BDL and the Ministry of Tourism. The repayment period is accompanied by a deferred period of up to three (03) years. Downstream, Customs Guarantees: 1. Market guarantees (auctions, lump-sum advance or on supply, etc.); 2. Documentary credits (import-export); 3. The bid bond, lump sum advance bond and performance bond. What is the repayment period of the investment Credit? The usual repayment period of an investment loan is spread over a period ranging from three (03) to seven (07) years, a deferred repayment period of six (06) months to three (03) years can be granted. What is the amount of the credit? The amount of the credit is determined according to the repayment capacity of the project and the cash flow generated. What is the processing time for the credit file? Subject to the completeness of all the required documents and from the introduction of the request, the bank will provide a response to customers within a maximum of 30 days. What is the interest rate for investment credit? Les cr\u00e9dits bancaires sont r\u00e9mun\u00e9r\u00e9s sur la base d\u2019une tarification arr\u00eat\u00e9e p\u00e9riodiquement par la banque. Actuellement le taux d\u2019int\u00e9r\u00eat des cr\u00e9dits d\u2019investissement est de 3,5% avec la prise en charge par le tr\u00e9sor de la bonification du taux d\u2019int\u00e9r\u00eat et des int\u00e9r\u00eats intercalaires \u00ab loi de finance compl\u00e9mentaire 2011 \u00bb. Bank credits are remunerated on the basis of a pricing set periodically by the bank. Currently, the interest rate for investment credits is 3.5% with the treasury taking charge of the interest rate bonus and the interim interest \u201csupplementary finance law 2011\u201d. Investments in tourism projects to be carried out at the level of the wilayas of the north and those of the south benefit respectively from a bonus of 3% and 4.5% of the interest rate applicable to bank loans (ordinance n \u00b0 09-01 of July 22 2009 relating to the complementary Finance law for 2009). What are the guarantees that I could offer to the bank as part of an investment Credit? The guarantees relating to investment credit which you can present to the bank are: 1. The mortgage of real estate, the pledge of cash certificates or term deposits; 2. Material collateral \u201cif the object of financing is material\u201d; 3. The vehicle pledge \u201cif the object of financing is rolling stock\u201d; 4. The joint surety of the partners; 5. The surety of a solvent third party; 6. Membership of the institutional guarantee fund (CGCI \u2013 FGAR); 7. Insurance. Under what conditions is the credit granted? The investment credit is subject to conditions, the most important of which are: 1. Payment of the self-financing part; 2. Realization of guarantees; 3. Direct payment to supplier; 4. And above all, compliance with the investment sections indicated in the technical-economic study presented by the promoter. The Bank may require any other conditions likely to guarantee the implementation of the project and its entry into operation (the quality of the stakeholders in the implementation of the projects and in the supply of equipment). We are a company, can the BDL grant us an investment Credit? What are the documents to provide? The BDL can grant you an investment credit, to do this, you are requested to present yourself at one of our BDL branches with the following file (in triplicate). An application for an investment Credit: 1. it must include the amount and duration of the credit requested, the self-financing share of the project and the guarantees offered by the company. This request must be signed by a person duly authorized by the company. The administrative and legal documents, below: 1. Legalized true copy of the Trade register; 2. Legalized copy of the articles of association for companies; 3. Minutes of the general meeting of shareholders by which the manager or the general manager of the company is authorized to contract loans if this provision is not provided for in the articles of association; 4. Legalized true copy of the official announcements bulletin; 5. Authenticated copy of the deed of ownership or lease of the premises hosting the activity; 6. If it is a project within the framework of ANDI “A legalized copy of the decision granting benefits”; 7. CVs of managers and main promoters; 8. Copy of the legally required approval or authorization; 9. Copy of the official bulletin of legal announcements (BOAL); 10. Copy of the title deed, administrative act, concession or rental<\/p>\n","protected":false},"author":1,"featured_media":8061,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2468","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/2468","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=2468"}],"version-history":[{"count":0,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/2468\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/media\/8061"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/media?parent=2468"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}