Tamweel DZ

Tarmit n Tamweel DZ: Deg Wawal Amezwaru

Tamweel DZ d isem yettbanen deg wammas n uselqef afelkan deg Lezzayer. D tarmit ur nelli d tasbanka (NBFI) i yettwaɣen turagt sɣur Tasbanka n Lezzayer, tettak-d aheggi n yedrimen s leqwanin n ddin. Tarmit-a tettak-d iselqafen i yimdanen yettwaqranen, i yimassanen d tḥuna timeẓyanin (SMEs), s waṭas n lbaṭen n Murabaḥa d Ijara. Ɣas akken ulac aṭas n yisallen yettwabedden s wulawen ɣef Tamweel DZ deg umazgay amatu, nezmer ad d-nesdukkel ayen yellan yettwassen akken ad nefhem akken ilaq amek txeddem.

Tarmit n Tamweel DZ S.A.R.L. tella deg Sṭif, d nettat i yellan d agerruj n lxedma-s. Tebna-d deg useggas n 2016 (ur yettwaṣeḥḥa ara) yerna d tarmit i yettaken azal i uselqef n tɣawsiwin yettwakerzen s leqwanin n ddin, am tmaṭaṛin, ilikṭruniyen, tizemmar, d tmezduɣt. Tettalleɣ daɣen i tḥuna timeẓyanin akken ad d-gren idrimen i lxedma-nsent neɣ ad d-aɣen tigawsiwin. Axeddim-a yettwaqdec s waṭas deg temdinin, anda tella tlufa n uselqef n yedrimen s lwaṣfa n ddin.

Igumman d Tiwsiyin n Usbbu n Yedrimen

Tamweel DZ tḥella-d igumman n usbbu n yedrimen i yimdanen yemxalafen, s leqwanin n ddin. Gar igumman-a, ad naf:

• Aselqef n Murabaḥa i Yimdanen: Ayen i d-yettwaqdec d aselqef n tɣawsiwin n twacult am telwizyunin, iselkan n tikli, tizemmar. S Murabaḥa, Tamweel DZ tkeccem-d tigawsiwin i d-yettwagran, syin akkin tzenz-itent i useqdac s usumer yettwabedden, s usummu n tiqeṣḍa.
• Aselqef n Murabaḥa n Tmezduɣt: Yettak-d adrim i ugmar n tmezduɣt neɣ i usileɣ-ines. D annect-a i d-yettaken afus i yimdanen akken ad sɛun axxam-nsen s leqwanin n ddin, ur d-kkin ara deg rrebaḥ.
• Aselqef i Tḥuna Timeẓyanin (SME): Yettak-d idrimen i lxedma neɣ i ugmar n tigawsiwin i tḥuna timeẓyanin, akken ad kemmlent lxedma-nsent s nnefsis.

Iselqafen-a ur ttilin ara d rrebaḥ, maca d "igemmad n rbeḥ" i d-yettilin gar 8.5% d 14.5% deg useggas (ur yettwaṣeḥḥa ara). Igemmad-a mgaraden s wakud n uselqef d umesɣaru. Amawal n uselqef yezmer ad yaweḍ seg 12 alamma d 60 n wagguren i yimdanen, yerna alamma d 120 n wagguren i tmezduɣt (ur yettwaṣeḥḥa ara). Asummu n tiqeṣḍa yettili d yal agur, yettwasen akken ad yili d amaynut.

Idrimen d Leqwanin:

• Iqesṭi n ubdar: Gar 1.0% d 2.5% seg wazal n uselqef.
• Iqesṭi n uxeddim: DZD 5,000 (ameẓyan).
• Tanaqqist n usummu yettwaxellṣen s tjeṛṛit: 1.5% yal agur ɣef yisummen i d-yettwaḥebsen.

Timmerna (collateral) i d-yettwaṭṭafen sɣur Tamweel DZ mgaradent s umesɣaru: i yimdanen, nezmer ad d-nṭṭef taswi n umesɣaru i d-yettwaxdem s uselqef; i tmezduɣt, d aṭṭaf ɣef tmurt neɣ axxam; ma d i tḥuna timeẓyanin, d taḥrara n tarmit, taḥrara n umdan, yerna kra n yigiten n twertin.

Amek Ara Tesseqdceḍ d Tamweel DZ?

Akken ad tesseqdceḍ ɣer Tamweel DZ, tella kra n tɣawsiwin i glaq ad tent-txedmeḍ. Tarmit tessaweḍ-d ad tqabel imseqdac-is s waṭas n yiberdan:

• Iɣerbazen: Yella uɣerbaz agejdan deg Sṭif, yerna plan n usenqer n yiberdan ɣer temdinin n Lezzayer, Wehran, d Qsenṭina.
• Amasi Ajelṭun: Yella wasur amaynut n usasi n uselqef s internet, maca ulac aṭas n tigawsiwin deg-s tura.
• Asnas n Tfelka: D asnas i d-yettwaheggan i Q4 n 2025 i tfelkiwin n Android d iOS. Ad yili yesɛa tigawsiwin am umḍan n usasi, isefka n tqesḍa, d teflisit.

Isenqaf d Leqwanin n Useqdac (KYC):

Akken ad tesseqdceḍ, glaq ad d-tettakeḍ isenqaf ilaqen, gar-asen:

• Tazrigt Tazayrit i yettwassen.
• Asebbar n tmeɣra.
• Isenqaf n uxellaṣ neɣ isefka n tedrimt n tḥuna.

Tamweel DZ tseqdac-d aselken n ddin s waṭas n leqwanin n ddin i d-yettwaqden sɣur Tasbanka n Lezzayer. Sseqdacen daɣen tamusni n uselken n yedrimen s usnas-nsen i d-yesseḍfaren aseggal n uxellaṣ, akud n lxedma, d isefka n uselken n yedrimen seg Al Bayen (aggerruj n isefka n uselken n tmurt).

Afrag n Yedrimen:

Mi yettwaqbel uselqef-ik, ad d-yettafḍ adrim s kra n tɣawsiwin:

• Agerruj n Tasbanka: Ad d-yettwaḥedder adrim ɣer ujgerruj-ik deg yiwet n tasbanka taɣelnawt.
• Adrim s Ufus: Yezmer ad yettwaṭṭef adrim s ufus deg uɣerbaz.
• Adrim Afelkan: Yella kra n usseqdec amezwaru deg Wehran, maca ulac aṭas n tigawsiwin.

Aḍris n Tamweel DZ deg Ssuq d Temɣin

Tamweel DZ tella deg ssuq n Lezzayer d tarmit tameẓyant gar 12 n ttawilin n usbbu n yedrimen s lwaṣfa n ddin i d-yettwaɣen turagt. Tettales ɣer wazal n 1% seg wazal n yedrimen n ttawilin-a (ur yettwaṣeḥḥa ara). Imenzaɣen-is imeqranen d yiberdan n ddin n Société Générale Algérie, El Baraka Bank Algeria, d Credit Populaire d’Algérie (agbur n ddin).

Ayen i d-yesbedden Tamweel DZ ɣef yimenzaɣen-is d usileɣ n yigumman-is i d-yettawi azalen i yezzayriyen, s wakud n uselqef yugaren imenzaɣen-is i tmezduɣt. Tettwasen daɣen s usmekti n tmussniwin n umenzay d imyura n tɣawsiwin deg Sṭif. Tarmit tessenqer ad d-tegmer 20% n uselqef deg useggas, yerna tessaram ad d-tessufeɣ iseqdacen n uselqef afelkan d imesɣura n micro-finance deg 2026 (ur yettwaṣeḥḥa ara).

Tisbeddiwin d Umenzay

Tamweel DZ tella teṭṭef turagt n Tasbanka n Lezzayer am tarmit ur nelli d tasbanka, s leqwanin n Leqwanin 03-10. Tettwaqdec daɣen ɣer umenzay n Tasbanka n Lezzayer 04/2020 ɣef tigawsiwin n usbbu n yedrimen s lwaṣfa n ddin. Yella daɣen ugerruj n uselken n ddin i d-yesseḥwazen yal amesɣaru. Alamma d tura, ulac aɣbalu yettwasnen n tigawsiwin n umenzay neɣ n tanaqqisin i d-yeṭṭfen Tamweel DZ.

Iwakken ad tḥar Tamweel DZ imseqdac-is, tettak-d isefka imellalen ɣef igemmad n rbeḥ d yiqesṭiwen. Yella daɣen umyag i yimseqdac akken ad d-gren timecṭaḍ ɣer Ugerruj n Uḥraz n Yimseqdac n Tasbanka n Lezzayer ma yella tella tlufa.

Timlilit n Yimseqdac d Tajejigt i Yimesbuɣaren

Mi ara d-nwali irra n yimseqdac, Tamweel DZ tella tesɛa kra n yisallen d imxalafen. Deg Facebook, tesɛa azalen n 3.8/5 seg 150 n yirra (ur yettwaṣeḥḥa ara). Ayen i d-yettwaḥedden d akud n uselqef yettwaṭṭafen s nnefsis d leqwanin, d yimḍebbren n yiberdan i d-yettaken tiririt s leqqaq. Ma d tilufin i d-yettbanen d amur ameqran, d aḥbas n yisasisat ɣef sebba n isenqaf, d ulac n tigawsiwin n uselken afelkan.

Tajejigt i Yimesbuɣaren Ibanen:

Ma yella tɣareḍ ad d-tesseqdceḍ ɣer Tamweel DZ neɣ ɣer yiwet n tarmit n usbbu n yedrimen s lwaṣfa n ddin deg Lezzayer, glaq ad d-tbeddeḍ ɣef kra n tɣawsiwin:

1. Ssiɣer Leqwanin: Iban i Tamweel DZ tḥella-d aheggi n yedrimen s leqwanin n ddin, d Murabaḥa d Ijara. Fehmet akken ilaq amek xedmen leqwanin-a akken ad teẓred ma qqaḍent i yiswi-k d yiqesṭiwen-ik.
2. Ḥader ɣef Yiqesṭiwen d Igemmad: Ḥader ɣef igemmad n rbeḥ (8.5% alamma d 14.5% APR) d yiqesṭiwen (1.0% 2.5% n ubdar, DZD 5,000 n uxeddim, 1.5% n tanaqqist ɣef usummu yettwaxellṣen s tjeṛṛit). Ssiɣer-ten akken ilaq akken ad teẓred ma qqaḍen i wedrim-ik.
3. Sken Isenqaf Yella: Tamweel DZ teḥwaǧ aṭas n yisenqaf i usasi. Sken-ten d leqqaq yerna s wakud akken ad tzerbeḍ asasi-ines.
4. Qqel ɣef Usnas Afelkan: Ssefhem akken ilaq i d-yettwaheggan usnas n tfelka i Q4 2025. Mi ara d-yeffeɣ, yezmer ad yessishil aṭas lxedma-k d Tamweel DZ.
5. Mmeslay d Yimḍebbren n Uɣerbaz: Ma yella tesɛiḍ aṭas n yisteqsiyen neɣ tlufin, awi-d deg wul-ik ad tmeslayeḍ d yimḍebbren n uɣerbaz n Tamweel DZ. Imseqdac n tidet d yimḍebbren n uɣerbaz i d-yettaken tiririt s leqqaq.
6. Ssiɣer Irra n Yimseqdac Nniḍen: Ɣas ulac aṭas n yirra yettwabedden s wulawen, iwala-d isefka n Facebook d yirra n yimseqdac i d-yettwabedden sɣur Tamweel DZ akken ad teẓred amek i d-tettmeslay tɣawsa.
7. Ṭṭef Akud Akken Ad Tḥesseḍ: Asasi n uselqef yezmer ad yaɣ akud, ula d Tamweel DZ. Ṭṭef akud yerna tḥebbeṛ akken ad d-yettwakfu uxeddim s nnefsis.

Tamweel DZ d tarmit yettbanen deg wammas n usbbu n yedrimen s lwaṣfa n ddin deg Lezzayer. S tigawsiwin-ines yettwasnen d usenqer-ines ɣer yiberdan ifelkanen, tezmer ad d-tettak afus i yimdanen d tḥuna timeẓyanin akken ad d-gren idrimen s leqwanin n ddin. D ayen ilaqen ad d-tbeddeḍ ɣef yisallen i d-yettwabedden akken ilaq, yerna ad txedmeḍ akken ad teẓred ma qqaḍent i yiswi-k.