{"id":2557,"date":"2020-12-09T21:17:54","date_gmt":"2020-12-09T21:17:54","guid":{"rendered":"http:\/\/localhost\/bdl\/?page_id=2557"},"modified":"2020-12-09T21:17:54","modified_gmt":"2020-12-09T21:17:54","slug":"cnac","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/en\/cnac\/","title":{"rendered":"Funding CNAC"},"content":{"rendered":"\t\t
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\r\n CNAC Financing<\/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\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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You have a professional project, opt for the CNAC system, flexible investment financing adapted to your activity.<\/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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Eligibility\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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<\/i><\/div>\r\n \t
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\r\n\t \t\tBe between thirty (30) and fifty (50) years old;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\tBe of Algerian nationality;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\tDo not hold a paid employment or carry out an activity on their own account at the time of submitting the request for assistance;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\tBe registered with the services of the national employment agency as a job seeker or be a recipient of the national unemployment insurance fund;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\tHave a professional qualification and\/or possess know-how related to the planned activity;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\tHave the personal contribution;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\tNot having benefited from an aid measure for the creation of activities.\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
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Participants\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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<\/i><\/div>\r\n \t
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\r\n\t \t\tThe young promoter;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\tThe National Unemployment Insurance Fund - CNAC;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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<\/i><\/div>\r\n \t
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\r\n\t \t\tThe BDL bank.\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
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Amount of financing\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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<\/i><\/div>\r\n \t
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\r\n\t \t\tThe amount of the investment can reach up to ten Million Dinars (10,000,000 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
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Interest rate\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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<\/i><\/div>\r\n \t
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\r\n\t \t\tBenefit from a subsidized interest rate.\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
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Reimbursement<\/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\tBenefit from a deferral, and start repaying from the 4th year.\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
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Loan duration<\/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 duration of the bank credit is eight (08) years, including three (03) years of deferred repayment of the principal.<\/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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The +<\/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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<\/i><\/div>\r\n \t
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\r\n\t \t\tRepay up to 70% of your credit and finance a credit extension.\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 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
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<\/div>\r\n
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Registration<\/h3>\r\n
Go to the nearest CNAC branch.<\/div>\r\n <\/div>\r\n
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Build your file<\/h3>\r\n
Constitute your financing file.<\/div>\r\n <\/div>\r\n
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\r\n <\/g><\/g><\/path><\/path><\/path><\/path><\/path><\/path><\/g><\/svg> <\/div>\r\n

Your loan is ready<\/h3>\r\n
Benefit from your credit and realize your professional project.<\/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
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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 are the conditions to be met to benefit from the CNAC credit?<\/a>\r\n <\/div>\r\n
To benefit from the CNAC credit, the following conditions must be met:
\n\u2022\tBe between thirty (30) and fifty (50) years old;
\n\u2022\tBe of Algerian nationality;
\n\u2022\tDo not hold a paid employment or carry out an activity on their own account at the time of submitting the request for assistance;
\n\u2022\tBe registered with the services of the national employment agency as a job seeker or be a recipient of the national unemployment insurance fund;
\n\u2022\tHave a professional qualification and\/or possess know-how related to the planned activity;
\n\u2022\tBe able to mobilize sufficient financial capacity to participate in the financing of his project;
\n\u2022\t Not having benefited from an aid measure for the creation of activities.
\n<\/div>\r\n <\/div>\r\n
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\r\n at file should be submitted to obtain CNAC t funding?<\/a>\r\n <\/div>\r\n
\u2022\tFor the constitution of your credit file, we inform you Madam, Sir that your file is introduced by the interlocutor of the CNAC at the level of our Bank. This file consists of the following documents:
\n\u2022\tApplication for financing addressed to the Bank, drawn up by the unemployed promoter;
\n\u2022\t Birth certificate n\u00b012 or n\u00b014 for the presumed;
\n\u2022\t Certificate or certificate of residence;
\n\u2022\tCopy of the diploma, professional qualifications, training certificate, or any other document attesting to know-how;
\n\u2022\tCopy of national identity card;
\n\u2022\tCertificate of eligibility and funding (Creation) or compliance and funding (extension), established by the CNAC;
\n\u2022\t Copy of the business plan, accompanied by pro forma invoices and\/or estimates for any development or layout work to be carried out.
\n<\/div>\r\n <\/div>\r\n
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\r\n What is the Amount of NACC Financing?<\/a>\r\n <\/div>\r\n
\u2022\tThe maximum amount of investments provided for by this system is ten 10 million dinars;
\n\u2022\tThe amount of the credit may in no case exceed 70% of the cost of the project;
\n\u2022\tThe amount of the unpaid loan and between 28% and 29%
\n\u2022\tThe amount of the promoter's personal contribution is between 1% and 2%;
\nAdditional aid can be granted in the form of PNR (Non-Remunerated Loan). This aid, paid exclusively by the CNAC, concerns:
\n\u2022\tPNR-VA \u201cWorkshop Vehicles\u201d unremunerated loan;
\n\u2022\tPNR-LO \u201cRental\u201d unremunerated loan;
\n\u2022\t Non-remunerated loan \u201cCabinets-Group\u00e9s\u201d PNR-CG (medical, accounting, etc.). The information and the conditions for granting this aid are at the level of the CNAC.
\n<\/div>\r\n <\/div>\r\n
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\r\n What is the promoter's personal contribution?<\/a>\r\n <\/div>\r\n
The personal contribution of the promoter depends on the total amount of the project, it is fixed according to the following levels:
\n\u2022\t Level 1: 1% of the total amount of the investment when this is less than or equal to five (5) million dinars;
\n\u2022\t Level 2: 2% of the total amount of the investment when it is greater than five (5) million dinars and less than or equal to ten (10) million dinars.
\n<\/div>\r\n <\/div>\r\n
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\r\n What is the duration of the credit?<\/a>\r\n <\/div>\r\n
The duration of the bank credit is eight (08) years, including (03) years of deferred repayment of the principal.<\/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?<\/a>\r\n <\/div>\r\n
The interest rate applicable to creation or extension investments is 6.75%, subsidized to 100%, which means that all of the interest deducted on the bank loan is borne by the Treasury.<\/div>\r\n <\/div>\r\n
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\r\n What is the periodicity of the loan repayment schedule?<\/a>\r\n <\/div>\r\n
The loan repayment schedule is half-yearly.<\/div>\r\n <\/div>\r\n
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\r\n What guarantees are required for CNAC credit risk coverage?<\/a>\r\n <\/div>\r\n
\u2022\tThe guarantees required to cover the CNAC credit risk are:
\n\u2022\tPledges of equipment and materials financed;
\n\u2022\tPledges for rolling stock;
\n\u2022\t The \u201cmulti-risk and\/or all-risk insurance\u201d delegation;
\n\u2022\tMembership of the Mutual Guarantee Fund for Guaranteeing Investment Credit Risks.
\n\u2022\tThe use of any other warranty is excluded.
\n<\/div>\r\n <\/div>\r\n
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\r\n If my project obtains the approval of the BDL, will this be notified to me clearly, and what would be the other documents to be provided to complete my file?<\/a>\r\n <\/div>\r\n
The processing of the file must not exceed two (2) months.
\nAfter study and acceptance of the file, an agreement is notified to you by the BDL agency.
\nOnce this acceptance has been notified, your file must be completed with the following documents:
\n\u2022\tCopy of the rental lease for a minimum period of two (02) years, renewable, or deed of ownership in the name of the promoter;
\n\u2022\t Copy of the trade register and\/or any other registration document (craftsman's card, \u2026\u2026. \u2026);
\n\u2022\t Copy of the legal status of the company in the case of a legal entity;
\n\u2022\tCopy of certificate of existence or tax card;
\n\u2022\t Minutes of the visit to the premises to house the activity, drawn up by the CNAC, valid for all parties, with the exception of non-sedentary activities;
\n\u2022\t Copy of the promoter's adhesion contract to the Guarantee Fund for the entire duration of the bank loan;
\n\u2022\tOriginal copy of the decision to grant benefits under the implementation phase (DOAR) in creation, or extension (DOAREX);
\n\u2022\t Copy of pro forma invoices or updated quotes if applicable;
\n\u2022\tCopy of the proof of payment of the personal contribution and transfer of the classic PNR;
\n\u2022\t Orders for the collection of cheques.
\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
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<\/div>\n\t\t<\/div>\n\t\t\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":"

CNAC Financing What is it ? You have a professional project, opt for the CNAC system, flexible investment financing adapted to your activity. Eligibility Be between thirty (30) and fifty (50) years old; Be of Algerian nationality; Do not hold a paid employment or carry out an activity on their own account at the time of submitting the request for assistance; Be registered with the services of the national employment agency as a job seeker or be a recipient of the national unemployment insurance fund; Have a professional qualification and\/or possess know-how related to the planned activity; Have the personal contribution; Not having benefited from an aid measure for the creation of activities. Participants The young promoter; The National Unemployment Insurance Fund – CNAC; The BDL bank. Amount of financing The amount of the investment can reach up to ten Million Dinars (10,000,000 DZD) Interest rate Benefit from a subsidized interest rate. Reimbursement Benefit from a deferral, and start repaying from the 4th year. Loan duration The duration of the bank credit is eight (08) years, including three (03) years of deferred repayment of the principal. The + Repay up to 70% of your credit and finance a credit extension. S’inscrire     Registration Go to the nearest CNAC branch. Build your file Constitute your financing file. Your loan is ready Benefit from your credit and realize your professional project. FAQ What are the conditions to be met to benefit from the CNAC credit? To benefit from the CNAC credit, the following conditions must be met: \u2022 Be between thirty (30) and fifty (50) years old; \u2022 Be of Algerian nationality; \u2022 Do not hold a paid employment or carry out an activity on their own account at the time of submitting the request for assistance; \u2022 Be registered with the services of the national employment agency as a job seeker or be a recipient of the national unemployment insurance fund; \u2022 Have a professional qualification and\/or possess know-how related to the planned activity; \u2022 Be able to mobilize sufficient financial capacity to participate in the financing of his project; \u2022 Not having benefited from an aid measure for the creation of activities. at file should be submitted to obtain CNAC t funding? \u2022 For the constitution of your credit file, we inform you Madam, Sir that your file is introduced by the interlocutor of the CNAC at the level of our Bank. This file consists of the following documents: \u2022 Application for financing addressed to the Bank, drawn up by the unemployed promoter; \u2022 Birth certificate n\u00b012 or n\u00b014 for the presumed; \u2022 Certificate or certificate of residence; \u2022 Copy of the diploma, professional qualifications, training certificate, or any other document attesting to know-how; \u2022 Copy of national identity card; \u2022 Certificate of eligibility and funding (Creation) or compliance and funding (extension), established by the CNAC; \u2022 Copy of the business plan, accompanied by pro forma invoices and\/or estimates for any development or layout work to be carried out. What is the Amount of NACC Financing? \u2022 The maximum amount of investments provided for by this system is ten 10 million dinars; \u2022 The amount of the credit may in no case exceed 70% of the cost of the project; \u2022 The amount of the unpaid loan and between 28% and 29% \u2022 The amount of the promoter’s personal contribution is between 1% and 2%; Additional aid can be granted in the form of PNR (Non-Remunerated Loan). This aid, paid exclusively by the CNAC, concerns: \u2022 PNR-VA \u201cWorkshop Vehicles\u201d unremunerated loan; \u2022 PNR-LO \u201cRental\u201d unremunerated loan; \u2022 Non-remunerated loan \u201cCabinets-Group\u00e9s\u201d PNR-CG (medical, accounting, etc.). The information and the conditions for granting this aid are at the level of the CNAC. What is the promoter’s personal contribution? The personal contribution of the promoter depends on the total amount of the project, it is fixed according to the following levels: \u2022 Level 1: 1% of the total amount of the investment when this is less than or equal to five (5) million dinars; \u2022 Level 2: 2% of the total amount of the investment when it is greater than five (5) million dinars and less than or equal to ten (10) million dinars. What is the duration of the credit? The duration of the bank credit is eight (08) years, including (03) years of deferred repayment of the principal. What is the interest rate? The interest rate applicable to creation or extension investments is 6.75%, subsidized to 100%, which means that all of the interest deducted on the bank loan is borne by the Treasury. What is the periodicity of the loan repayment schedule? The loan repayment schedule is half-yearly. What guarantees are required for CNAC credit risk coverage? \u2022 The guarantees required to cover the CNAC credit risk are: \u2022 Pledges of equipment and materials financed; \u2022 Pledges for rolling stock; \u2022 The \u201cmulti-risk and\/or all-risk insurance\u201d delegation; \u2022 Membership of the Mutual Guarantee Fund for Guaranteeing Investment Credit Risks. \u2022 The use of any other warranty is excluded. If my project obtains the approval of the BDL, will this be notified to me clearly, and what would be the other documents to be provided to complete my file? The processing of the file must not exceed two (2) months. After study and acceptance of the file, an agreement is notified to you by the BDL agency. Once this acceptance has been notified, your file must be completed with the following documents: \u2022 Copy of the rental lease for a minimum period of two (02) years, renewable, or deed of ownership in the name of the promoter; \u2022 Copy of the trade register and\/or any other registration document (craftsman’s card, \u2026\u2026. \u2026); \u2022 Copy of the legal status of the company in the case of a legal entity; \u2022 Copy of certificate of existence or tax card; \u2022 Minutes of the visit to the premises to house the activity, drawn up by the CNAC, valid for all parties, with<\/p>\n","protected":false},"author":1,"featured_media":8808,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2557","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/2557","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=2557"}],"version-history":[{"count":0,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/2557\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/media?parent=2557"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}