{"id":3947,"date":"2022-10-13T14:12:01","date_gmt":"2022-10-13T13:12:01","guid":{"rendered":"https:\/\/dev.alghost.com\/bdl\/?page_id=3947"},"modified":"2026-02-23T13:03:19","modified_gmt":"2026-02-23T12:03:19","slug":"psg","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/en\/psg\/","title":{"rendered":"PSG"},"content":{"rendered":"\t\t
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\r\n Pawnbroking <\/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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Waht 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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A Pawn Loan is a secure and confidential financing option that allows you to receive a loan of up to 3,000,000.00 DZD, against the pledge of gold jewelry or objects.<\/p>

The loan amount is determined based on a reference price of 15,000.00 DZD per gram of gold.<\/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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Advantages\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\tEasy access to the loan: Applicants must be residents of Algeria and have gold jewelry or objects to pledge. No additional guarantees or income proofs are required.\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\tFast loan processing: The loan is granted after opening a bank account and pledging your gold jewelry or objects. Funds can be released on the same day.\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tGuaranteed security and confidentiality: All necessary measures are taken to ensure the safekeeping and protection of pledged items.\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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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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Any individual residing in Algeria, aged at least 19 years, holding an account at BDL.<\/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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Loan 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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Minimum 6 months, renewable up to 36 months.<\/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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Financial Terms<\/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\tMinimum amount: 15,000.00 DZD (1 gram)\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tMaximum amount: 3,000,000.00 DZD (200 grams)\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tInterest rate: 7.50% per year\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tCustody fee: 1%, calculated pro-rata per day, applicable during the contract term, even in case of overdue repayment.\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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The \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 can receive a loan of up to 3,000,000.00 DZD with simplified procedures by presenting:<\/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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<\/i><\/div>\r\n \t
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\r\n\t \t\tA valid ID\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\tBirth certificate\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tValid proof of residence\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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Subject to appraisal and valuation of pledged jewelry.<\/p>\t\t\t\t\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 How to subscribe <\/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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Meet at the agency<\/h3>\r\n
Go to one of our PSG agencies with your jewellery.<\/div>\r\n <\/div>\r\n
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Apply for your loan.<\/h3>\r\n
Present your file and request your loan.<\/div>\r\n <\/div>\r\n
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Your goods are guarded<\/h3>\r\n
Take advantage of your loan the same day you apply. <\/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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\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
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\r\n What is a Pawn Loan?<\/a>\r\n <\/div>\r\n
A loan secured by pledging gold jewelry or objects.<\/div>\r\n <\/div>\r\n
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\r\n Who is eligible for the loan?<\/a>\r\n <\/div>\r\n
Must be a resident of Algeria
\nAt least 19 years old
\nAccount holder at BDL
\n<\/div>\r\n <\/div>\r\n
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\r\n Loan conditions:<\/a>\r\n <\/div>\r\n
The loan is granted based on the estimated value of pledged items and applicable financial terms.<\/div>\r\n <\/div>\r\n
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\r\n Loan repayment term:<\/a>\r\n <\/div>\r\n
6 months, renewable up to 36 months.<\/div>\r\n <\/div>\r\n
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\r\n What happens in case of non-repayment?<\/a>\r\n <\/div>\r\n
After legal reminders, pledged items may be auctioned according to applicable regulations.<\/div>\r\n <\/div>\r\n
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\r\n Required documents:<\/a>\r\n <\/div>\r\n
Valid ID
\nBirth certificate
\nValid proof of residence
\n<\/div>\r\n <\/div>\r\n
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\r\n Is income proof required?<\/a>\r\n <\/div>\r\n
No, the loan is exclusively secured by the pledged jewelry.<\/div>\r\n <\/div>\r\n
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\r\n How is the loan amount determined?<\/a>\r\n <\/div>\r\n
Based on the weight of the gold jewelry
\nReference price per gram of gold
\nBranch appraisal
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\r\n Minimum and maximum loan amount:<\/a>\r\n <\/div>\r\n
Minimum: 15,000 DZD
\nMaximum: 3,000,000 DZD
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\r\n Loan duration:<\/a>\r\n <\/div>\r\n
Initial term: 6 months
\nRenewable up to 36 months
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\r\n Can the loan be repaid early?<\/a>\r\n <\/div>\r\n
Yes, early repayment is allowed. Interest and custody fees are calculated pro-rata for the actual period.<\/div>\r\n <\/div>\r\n
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\r\n Can the loan be renewed?<\/a>\r\n <\/div>\r\n
Yes, upon payment of due interest and custody fees, renewable up to 36 months.<\/div>\r\n <\/div>\r\n
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\r\n What happens in case of default?<\/a>\r\n <\/div>\r\n
Client reminders are sent
\nIf unpaid, items may be auctioned according to regulations.
\n<\/div>\r\n <\/div>\r\n
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\r\n Are my jewelry items safe?<\/a>\r\n <\/div>\r\n
Yes, items are kept securely and confidentially until the loan is fully repaid.<\/div>\r\n <\/div>\r\n
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\r\n Can I retrieve my jewelry at any time?<\/a>\r\n <\/div>\r\n
Yes, once the loan amount, interest, and fees are fully paid.<\/div>\r\n <\/div>\r\n
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\r\n Are there fees for losing the contract?<\/a>\r\n <\/div>\r\n
Yes, duplicate fees apply depending on whether the contract is active or expired.<\/div>\r\n <\/div>\r\n
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\r\n Is the loan granted immediately?<\/a>\r\n <\/div>\r\n
After appraisal and approval, funds can be released the same day.<\/div>\r\n <\/div>\r\n
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\r\n Where can I apply?<\/a>\r\n <\/div>\r\n
At any authorized PSG BDL branch<\/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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\r\n Branches:<\/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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67 Rue des Fusill\u00e9s El Annassers, Algiers<\/p>

Tel: 021 23 36 74<\/p>

Fax: 021 77 09 76<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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36 Rue Ali Harrichet, Algiers<\/p>

Tel: 023 50 81 28<\/p>

Fax: 023 50 81 28<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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24 Rue Djaffel Belgacem, Annaba<\/p>

Tel: 038 59 04 71<\/p>

Fax: 038 59 04 33<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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Cit\u00e9 183\/1008 Logts Bt 46, Bordj Bou Arreridj<\/p>

Tel: 044 28 77 11<\/p>

Fax: 044 28 77 00<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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13 Rue Tateche Belkacem, Constantine<\/p>

Tel: 031 87 85 88<\/p>

Fax: 031 87 81 79<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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04 Rue Bouguettaya Abdellah, Oran<\/p>

Tel: 041 29 27 36<\/p>

Fax: 041 36 10 39<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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02 Rue des Fr\u00e8res Bahi Amar, Es Senia, Oran<\/p>

Tel: 041 55 43 93<\/p>

Fax: 041 55 43 92<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t

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28 Rue Benali Belkhaled, Sidi Bel Abbes<\/p>

Tel: 048 74 12 02<\/p>

Fax: 048 74 11 96<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\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":"

Pawnbroking Waht is it ? A Pawn Loan is a secure and confidential financing option that allows you to receive a loan of up to 3,000,000.00 DZD, against the pledge of gold jewelry or objects. The loan amount is determined based on a reference price of 15,000.00 DZD per gram of gold. Advantages\u00a0 Easy access to the loan: Applicants must be residents of Algeria and have gold jewelry or objects to pledge. No additional guarantees or income proofs are required. Fast loan processing: The loan is granted after opening a bank account and pledging your gold jewelry or objects. Funds can be released on the same day. Guaranteed security and confidentiality: All necessary measures are taken to ensure the safekeeping and protection of pledged items. Eligibility\u00a0 Any individual residing in Algeria, aged at least 19 years, holding an account at BDL. Loan period\u00a0 Minimum 6 months, renewable up to 36 months. Financial Terms Minimum amount: 15,000.00 DZD (1 gram) Maximum amount: 3,000,000.00 DZD (200 grams) Interest rate: 7.50% per year Custody fee: 1%, calculated pro-rata per day, applicable during the contract term, even in case of overdue repayment. The \u00a0+ You can receive a loan of up to 3,000,000.00 DZD with simplified procedures by presenting: A valid ID Birth certificate Valid proof of residence Subject to appraisal and valuation of pledged jewelry. How to subscribe Meet at the agency Go to one of our PSG agencies with your jewellery. Apply for your loan. Present your file and request your loan. Your goods are guarded Take advantage of your loan the same day you apply. FAQ What is a Pawn Loan? A loan secured by pledging gold jewelry or objects. Who is eligible for the loan? Must be a resident of Algeria At least 19 years old Account holder at BDL Loan conditions: The loan is granted based on the estimated value of pledged items and applicable financial terms. Loan repayment term: 6 months, renewable up to 36 months. What happens in case of non-repayment? After legal reminders, pledged items may be auctioned according to applicable regulations. Required documents: Valid ID Birth certificate Valid proof of residence Is income proof required? No, the loan is exclusively secured by the pledged jewelry. How is the loan amount determined? Based on the weight of the gold jewelry Reference price per gram of gold Branch appraisal Minimum and maximum loan amount: Minimum: 15,000 DZD Maximum: 3,000,000 DZD Loan duration: Initial term: 6 months Renewable up to 36 months Can the loan be repaid early? Yes, early repayment is allowed. Interest and custody fees are calculated pro-rata for the actual period. Can the loan be renewed? Yes, upon payment of due interest and custody fees, renewable up to 36 months. What happens in case of default? Client reminders are sent If unpaid, items may be auctioned according to regulations. Are my jewelry items safe? Yes, items are kept securely and confidentially until the loan is fully repaid. Can I retrieve my jewelry at any time? Yes, once the loan amount, interest, and fees are fully paid. Are there fees for losing the contract? Yes, duplicate fees apply depending on whether the contract is active or expired. Is the loan granted immediately? After appraisal and approval, funds can be released the same day. Where can I apply? At any authorized PSG BDL branch Branches: EL-ANNASSERS Branch: \u00ab172\u00bb 67 Rue des Fusill\u00e9s El Annassers, Algiers Tel: 021 23 36 74 Fax: 021 77 09 76 HARRICHET Branch: \u00ab175\u00bb 36 Rue Ali Harrichet, Algiers Tel: 023 50 81 28 Fax: 023 50 81 28 ANNABA Branch: \u00ab270\u00bb 24 Rue Djaffel Belgacem, Annaba Tel: 038 59 04 71 Fax: 038 59 04 33 BORDJ BOU ARRERIDJ Branch: \u00ab372\u00bb Cit\u00e9 183\/1008 Logts Bt 46, Bordj Bou Arreridj Tel: 044 28 77 11 Fax: 044 28 77 00 CONSTANTINE Branch: \u00ab370\u00bb 13 Rue Tateche Belkacem, Constantine Tel: 031 87 85 88 Fax: 031 87 81 79 ORAN Branch: \u00ab472\u00bb 04 Rue Bouguettaya Abdellah, Oran Tel: 041 29 27 36 Fax: 041 36 10 39 ES-SENIA Branch: \u00ab475\u00bb 02 Rue des Fr\u00e8res Bahi Amar, Es Senia, Oran Tel: 041 55 43 93 Fax: 041 55 43 92 SIDI BEL ABBES Branch: \u00ab479\u00bb 28 Rue Benali Belkhaled, Sidi Bel Abbes Tel: 048 74 12 02 Fax: 048 74 11 96<\/p>\n","protected":false},"author":1,"featured_media":8125,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3947","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/3947","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=3947"}],"version-history":[{"count":3,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/3947\/revisions"}],"predecessor-version":[{"id":11906,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/pages\/3947\/revisions\/11906"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/media\/8125"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/en\/wp-json\/wp\/v2\/media?parent=3947"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}