{"id":7769,"date":"2023-05-22T01:09:46","date_gmt":"2023-05-22T01:09:46","guid":{"rendered":"https:\/\/hafidoune-academy.com\/fi-en\/?page_id=7769"},"modified":"2025-02-27T10:13:40","modified_gmt":"2025-02-27T10:13:40","slug":"mourabaha-vehicule","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/finance-islamique\/en\/mourabaha-vehicule\/","title":{"rendered":"mourabaha vehicule"},"content":{"rendered":"\t\t
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\r\n MOURABAHA VEHICLES<\/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<\/strong>\u00a0?<\/strong><\/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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Murabaha vehicle consists of the purchase of new vehicles by the Bank and reselling them at a cost price increased by a profit margin known and agreed in advance with the customer.<\/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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Category \u00a0concerned :<\/strong><\/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\tAny natural person of Algerian nationality aged 65 or less on the date of the application for financing.\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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Mourabaha vehicle financing amount:<\/strong><\/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\tThe amount of Mourabaha Vehicle financing shall not exceed three million five hundred thousand Algerian dinars (3,500,000 DA).\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tThe maximum amount of Mourabaha vehicle financing can reach 100% of the vehicle's value, including all taxes (TTC).\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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Related products\u00a0:<\/strong><\/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\tIslamic cheque account.\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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Funded projects:<\/strong><\/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\tPassenger vehicles, motorized cycles or tricycles produced or assembled in Algeria.\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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Profit margin:<\/strong><\/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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\r\n\t \t\tThe profit margin to be applied is 8.50%.\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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Duration of payment by instalmnets:<\/strong><\/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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\r\n\t \t\tThe duration cannot be less than three (03) months without exceeding sixty (60) months.\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 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 Murabaha BDL Vehicle?<\/a>\r\n <\/div>\r\n
Mourabaha vehicle is an operation that consists of buying a new passenger vehicle, cycle or three-cycle motor vehicle from the bank and reselling it to the customer at a cost price with a known profit margin agreed in advance.<\/div>\r\n <\/div>\r\n
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\r\n What products does Mourabaha Vehicule BDL support?<\/a>\r\n <\/div>\r\n
The Mourabaha Vehicle formula of the BDL is intended for the acquisition of a passenger vehicle, cycle or motor tricycle.
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\r\n What are the eligibility conditions for the BDL Mourabaha Vehicle?<\/a>\r\n <\/div>\r\n
The customer Mourabaha vehicle (purchasing principal) must meet the eligibility conditions below:
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\n1.\tBe of Algerian nationality;
\n2.\tHave a fixed residence in Algeria;
\n3.\tHave reached the age limit of 65 on the date of the request for financing;
\n4.\tBe of legal majority and have legal capacity on the date of the funding request;
\n5.\tJustify a regular income, greater than or equal to one and a half times (1.5) the SNMG.
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\r\n What is the financing amount of Mourabaha vehicle?<\/a>\r\n <\/div>\r\n
The amount of Mourabaha vehicle cannot be greater than 3,500,000DA taking into account the nature of the vehicle to be acquired.<\/div>\r\n <\/div>\r\n
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\r\n Are there management fees deducted from the Mourabaha Vehicle BDL file?<\/a>\r\n <\/div>\r\n
No, the vehicle Murabaha management fees are free.<\/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 Are there any notification fees deducted from the Mourabaha Vehicle BDL file?<\/a>\r\n <\/div>\r\n
No, the Mourabaha vehicle notification fee is free<\/div>\r\n <\/div>\r\n
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\r\n What is the debt capacity in Mourabaha Vehicule BDL?<\/a>\r\n <\/div>\r\n
The debt-to-income ratio is set at 30% of the net monthly income regularly received by the financing applicant.<\/div>\r\n <\/div>\r\n
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\r\n What are the pricing conditions applied in Mourabaha Vehicule BDL ?<\/a>\r\n <\/div>\r\n
1.\tProfit rate: 8.5%
\n2.\tFile management fees: 0.00 DZD
\n3.\tNotification fees: 0.00 DA
\n4.\tPenalty on advance payment: 0.00 DZD
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\r\n What is the payment duration of Mourabaha vehicle?<\/a>\r\n <\/div>\r\n
The duration of the Murabaha Vehicle cannot be less than three (03) months without exceeding sixty (60) months.
\nA deferred payment may be granted for a period of one (01) month.
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\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":"

MOURABAHA VEHICLES What is it\u00a0? Murabaha vehicle consists of the purchase of new vehicles by the Bank and reselling them at a cost price increased by a profit margin known and agreed in advance with the customer. Category \u00a0concerned : Any natural person of Algerian nationality aged 65 or less on the date of the application for financing. Mourabaha vehicle financing amount: The amount of Mourabaha Vehicle financing shall not exceed three million five hundred thousand Algerian dinars (3,500,000 DA). The maximum amount of Mourabaha vehicle financing can reach 100% of the vehicle's value, including all taxes (TTC). Related products\u00a0: Islamic cheque account. Funded projects: Passenger vehicles, motorized cycles or tricycles produced or assembled in Algeria. Profit margin: The profit margin to be applied is 8.50%. Duration of payment by instalmnets: The duration cannot be less than three (03) months without exceeding sixty (60) months. FAQ What is Murabaha BDL Vehicle? Mourabaha vehicle is an operation that consists of buying a new passenger vehicle, cycle or three-cycle motor vehicle from the bank and reselling it to the customer at a cost price with a known profit margin agreed in advance. What products does Mourabaha Vehicule BDL support? The Mourabaha Vehicle formula of the BDL is intended for the acquisition of a passenger vehicle, cycle or motor tricycle. What are the eligibility conditions for the BDL Mourabaha Vehicle? The customer Mourabaha vehicle (purchasing principal) must meet the eligibility conditions below: 1. Be of Algerian nationality; 2. Have a fixed residence in Algeria; 3. Have reached the age limit of 65 on the date of the request for financing; 4. Be of legal majority and have legal capacity on the date of the funding request; 5. Justify a regular income, greater than or equal to one and a half times (1.5) the SNMG. What is the financing amount of Mourabaha vehicle? The amount of Mourabaha vehicle cannot be greater than 3,500,000DA taking into account the nature of the vehicle to be acquired. Are there management fees deducted from the Mourabaha Vehicle BDL file? No, the vehicle Murabaha management fees are free. Are there any notification fees deducted from the Mourabaha Vehicle BDL file? No, the Mourabaha vehicle notification fee is free What is the debt capacity in Mourabaha Vehicule BDL? The debt-to-income ratio is set at 30% of the net monthly income regularly received by the financing applicant. What are the pricing conditions applied in Mourabaha Vehicule BDL ? 1. Profit rate: 8.5% 2. File management fees: 0.00 DZD 3. Notification fees: 0.00 DA 4. Penalty on advance payment: 0.00 DZD What is the payment duration of Mourabaha vehicle? The duration of the Murabaha Vehicle cannot be less than three (03) months without exceeding sixty (60) months. A deferred payment may be granted for a period of one (01) month.<\/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-7769","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/7769","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=7769"}],"version-history":[{"count":0,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/7769\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/media?parent=7769"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}