Mourabaha Consumption – Special Ramadan Offer (-50% Profit Margin)

What is it?

The BDL Ramadan Mourabaha Consumption Offer is an exceptional promotion during the holy month of Ramadan, allowing clients to finance their equipment with a 50% reduced profit margin, i.e., 4.25% instead of 8.50%. The Bank purchases the goods from the supplier and then resells them to the client with full transparency, in accordance with Islamic finance principles.

Eligible Population
Any Algerian national;
Permanent resident in Algeria;
Maximum age of 70 at the date of application;
Subscription exclusively during the month of Ramadan.
Financed Products
New equipment produced or assembled in Algeria;
Home appliances: refrigerators, washing machines, stoves, air conditioners;
Mobile phones, tablets, computers (laptops and desktops);
Furniture: living room sets, bedroom sets, kitchen furniture.
Financing Amount
Minimum: 50,000 DZD;
Maximum: 1,000,000 DZD;
Up to 100% of the total price including taxes.
Financing Duration

Between 3 and 36 months

Availability
Available at all BDL commercial branches;
Duration: entire month of Ramadan;
Valid only for subscriptions made during this period.
Customer Benefits
Significant reduction in the total financing cost;
Flexible repayment terms, compliant with Islamic finance principles;
Easier access to essential equipment during Ramadan;
Zero management fees, notifications, or early repayment penalties.

FAQ

What is the BDL Ramadan Mourabaha Consumption Offer?
An exceptional promotional offer with a 50% reduced profit margin for the month of Ramadan.
Which products are covered?
New equipment produced or assembled in Algeria: home appliances, mobile phones, computers, and furniture.
What are the eligibility conditions?
Individual, Algerian national, resident in Algeria, aged ≤ 70, subscription during Ramadan.
What is the financing amount?
Between 50,000 DZD and 1,000,000 DZD, covering up to 100% of the total price including taxes.
What is the debt capacity?
Debt ratio set at 30% of the client’s net monthly income.
What are the pricing conditions?
• Profit margin: 4.25%
• Management fees: 0 DZD
• Notification fees: 0 DZD
• Early repayment penalty: 0 DZD
What is the financing duration?
Between 3 and 36 months
Why subscribe to the Ramadan Offer?
• Financing compliant with Shariah law
• Exceptional reduction in total cost
• Easier access to essential equipment during Ramadan
• Limited-time offer