{"id":11706,"date":"2026-02-04T10:19:05","date_gmt":"2026-02-04T10:19:05","guid":{"rendered":"https:\/\/www.bdl.dz\/finance-islamique\/en\/?page_id=11706"},"modified":"2026-02-04T10:25:50","modified_gmt":"2026-02-04T10:25:50","slug":"mourabaha-consumption-50","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/finance-islamique\/en\/mourabaha-consumption-50\/","title":{"rendered":"Mourabaha Consumption 50%"},"content":{"rendered":"\t\t
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\r\n Mourabaha Consumption \u2013 Special Ramadan Offer (-50% Profit Margin)<\/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\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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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.<\/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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Eligible Population<\/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\tAny Algerian national;\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\tPermanent resident in Algeria;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tMaximum age of 70 at the date of application;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tSubscription exclusively during the month of Ramadan.\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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Financed Products<\/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\tNew equipment produced or assembled in Algeria;\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\tHome appliances: refrigerators, washing machines, stoves, air conditioners;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tMobile phones, tablets, computers (laptops and desktops);\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tFurniture: living room sets, bedroom sets, kitchen furniture.\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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Financing Amount<\/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: 50,000 DZD;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tMaximum: 1,000,000 DZD;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tUp to 100% of the total price including taxes.\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<\/div>\n\t\t
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Financing 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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Between 3 and 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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Availability<\/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\tAvailable at all BDL commercial branches;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tDuration: entire month of Ramadan;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tValid only for subscriptions made during this period.\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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Customer Benefits<\/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\tSignificant reduction in the total financing cost;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tFlexible repayment terms, compliant with Islamic finance principles;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tEasier access to essential equipment during Ramadan;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tZero management fees, notifications, or early repayment penalties.\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<\/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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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\r\n What is the BDL Ramadan Mourabaha Consumption Offer?<\/a>\r\n <\/div>\r\n
An exceptional promotional offer with a 50% reduced profit margin for the month of Ramadan.<\/div>\r\n <\/div>\r\n
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\r\n Which products are covered?<\/a>\r\n <\/div>\r\n
New equipment produced or assembled in Algeria: home appliances, mobile phones, computers, and furniture.<\/div>\r\n <\/div>\r\n
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\r\n What are the eligibility conditions?<\/a>\r\n <\/div>\r\n
Individual, Algerian national, resident in Algeria, aged \u2264 70, subscription during Ramadan.<\/div>\r\n <\/div>\r\n
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\r\n What is the financing amount?<\/a>\r\n <\/div>\r\n
Between 50,000 DZD and 1,000,000 DZD, covering up to 100% of the total price including taxes.<\/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<\/div>\n\t\t
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\r\n What is the debt capacity?<\/a>\r\n <\/div>\r\n
Debt ratio set at 30% of the client\u2019s net monthly income.<\/div>\r\n <\/div>\r\n
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\r\n What are the pricing conditions?<\/a>\r\n <\/div>\r\n
\u2022\tProfit margin: 4.25%
\n\u2022\tManagement fees: 0 DZD
\n\u2022\tNotification fees: 0 DZD
\n\u2022\tEarly repayment penalty: 0 DZD
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\r\n What is the financing duration?<\/a>\r\n <\/div>\r\n
Between 3 and 36 months<\/div>\r\n <\/div>\r\n
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\r\n Why subscribe to the Ramadan Offer?<\/a>\r\n <\/div>\r\n
\u2022\tFinancing compliant with Shariah law
\n\u2022\tExceptional reduction in total cost
\n\u2022\tEasier access to essential equipment during Ramadan
\n\u2022\tLimited-time offer<\/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<\/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":"

Mourabaha Consumption \u2013 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 \u2264 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\u2019s net monthly income. What are the pricing conditions? \u2022 Profit margin: 4.25% \u2022 Management fees: 0 DZD \u2022 Notification fees: 0 DZD \u2022 Early repayment penalty: 0 DZD What is the financing duration? Between 3 and 36 months Why subscribe to the Ramadan Offer? \u2022 Financing compliant with Shariah law \u2022 Exceptional reduction in total cost \u2022 Easier access to essential equipment during Ramadan \u2022 Limited-time offer<\/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-11706","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/11706","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/comments?post=11706"}],"version-history":[{"count":4,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/11706\/revisions"}],"predecessor-version":[{"id":11711,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/11706\/revisions\/11711"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/media?parent=11706"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}