{"id":8149,"date":"2024-07-06T10:38:39","date_gmt":"2024-07-06T10:38:39","guid":{"rendered":"https:\/\/www.bdl.dz\/finance-islamique\/en\/?page_id=8149"},"modified":"2025-02-27T11:18:03","modified_gmt":"2025-02-27T11:18:03","slug":"mourabaha-moto","status":"publish","type":"page","link":"https:\/\/www.bdl.dz\/finance-islamique\/en\/mourabaha-moto\/","title":{"rendered":"Mourabaha MOTO"},"content":{"rendered":"\t\t
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\r\n Mourabaha MOTO<\/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 ?<\/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 bank purchases a new motorcycle or tricycle manufactured or assembled in Algeria and sells it to a customer at a cost price plus a known profit margin agreed upon in advance between the BDL and 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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Who can benefit:<\/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 individual;\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 no older than 65 years old at the date of the financing application;\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\tAny Algerian citizen with an income equal to or greater than one and a half (1.5) times the SMNG (National Minimum Guaranteed Wage);\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tEmployed under a permanent contract (CDI) and confirmed in the position;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tProvide sufficient repayment capacity (solvent).\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 ceiling:<\/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 financing amount cannot be less than 200,000 DA and no more than 1,000,000 DA.\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 rate:<\/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 financing rate is up to 100%.\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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Periodicity:<\/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 repayment period must not exceed 36 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\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\tAll branches equipped with the EL BADIL window.\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 cost:<\/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\tBDL's profit margin is 8.5% per year;\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\tManagement fees: 00 DA;\t \t<\/div>\r\n\t <\/div>\r\n <\/div>\r\n
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\r\n\t \t\tNotice of agreement: 00 DA;\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\tPenalty for early payment: 00 DA.\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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Required guarantees:<\/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\tPledge of the purchased motorcycle;\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\tLife insurance;\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\tAll-risk insurance for the motorcycle.\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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Features:<\/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 bank purchases a new motorcycle or tricycle manufactured or assembled in Algeria and sells it to a customer at a cost price plus a known profit margin agreed upon in advance between the EL BADIL window and the customer;\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 monthly repayment is limited to 30% of the net monthly income (Mourabaha motorcycle condition).\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 \t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Mourabaha MOTO What is it ? The bank purchases a new motorcycle or tricycle manufactured or assembled in Algeria and sells it to a customer at a cost price plus a known profit margin agreed upon in advance between the BDL and the customer. Who can benefit: Any individual; Be no older than 65 years old at the date of the financing application; Any Algerian citizen with an income equal to or greater than one and a half (1.5) times the SMNG (National Minimum Guaranteed Wage); Employed under a permanent contract (CDI) and confirmed in the position; Provide sufficient repayment capacity (solvent). Financing ceiling: The financing amount cannot be less than 200,000 DA and no more than 1,000,000 DA. Financing rate: The financing rate is up to 100%. Periodicity: The repayment period must not exceed 36 months. Availability: All branches equipped with the EL BADIL window. Financing cost: BDL's profit margin is 8.5% per year; Management fees: 00 DA; Notice of agreement: 00 DA; Penalty for early payment: 00 DA. Required guarantees: Pledge of the purchased motorcycle; Life insurance; All-risk insurance for the motorcycle. Features: The bank purchases a new motorcycle or tricycle manufactured or assembled in Algeria and sells it to a customer at a cost price plus a known profit margin agreed upon in advance between the EL BADIL window and the customer; The monthly repayment is limited to 30% of the net monthly income (Mourabaha motorcycle condition).<\/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-8149","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/8149","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=8149"}],"version-history":[{"count":0,"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/pages\/8149\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.bdl.dz\/finance-islamique\/en\/wp-json\/wp\/v2\/media?parent=8149"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}