Lexlaṣ n yal agur1,334
Azal n urḍal240,000
Lfayda s ujemmal160,199
Agmuḍ yettwaxelleṣ, s lexlaṣ amezwaru460,199
Arḍal ɣer wazal80%
Axelleṣ d amur seg tedrimt22.2%
Ssuma n tedrimt-ik yettaǧǧa437,812
Lfayda tettwaḥrez0
Ayyuren xellṣen s lemɣawla.0
Ahil n useggas ɣer useggas
| Aseggas | Anemhal yettwaxelleṣ | Lfayda tettwaxelleṣ | Yeqqim lmizan |
|---|---|---|---|
| 1 | 5,317 | 10,691 | 234,683 |
| 2 | 5,561 | 10,447 | 229,122 |
| 3 | 5,816 | 10,192 | 223,306 |
| 4 | 6,084 | 9,924 | 217,222 |
| 5 | 6,363 | 9,645 | 210,859 |
| 6 | 6,655 | 9,352 | 204,203 |
| 7 | 6,961 | 9,047 | 197,242 |
| 8 | 7,281 | 8,727 | 189,961 |
| 9 | 7,616 | 8,392 | 182,346 |
| 10 | 7,965 | 8,043 | 174,380 |
| 11 | 8,331 | 7,677 | 166,049 |
| 12 | 8,714 | 7,294 | 157,335 |
| 13 | 9,114 | 6,894 | 148,221 |
| 14 | 9,533 | 6,475 | 138,688 |
| 15 | 9,971 | 6,037 | 128,717 |
| 16 | 10,429 | 5,579 | 118,287 |
| 17 | 10,908 | 5,100 | 107,379 |
| 18 | 11,409 | 4,599 | 95,970 |
| 19 | 11,933 | 4,075 | 84,036 |
| 20 | 12,482 | 3,526 | 71,555 |
| 21 | 13,055 | 2,953 | 58,500 |
| 22 | 13,655 | 2,353 | 44,845 |
| 23 | 14,282 | 1,726 | 30,563 |
| 24 | 14,938 | 1,070 | 15,625 |
| 25 | 15,625 | 383 | 0 |
Amek yettwaḥsab uxelleṣ
Amur ameqqran n tkerḍiwin n tmurt d tkerḍiwin n yimseqdacen ttwaxelṣent s tmerwin n yal agur (annuité). Yal axelleṣ yettḍeggiɛ di tazwara lfayda n wayen mazal-ik tesɛiḍ, ma d ayen nniḍen yesneqs-d axelleṣ — ihi axelleṣ n zik d amur ameqran seg-s d lfayda ma d win n sdat d amur ameqran seg-s d aɣella.
Arḍal-azal (LTV) d arḍal am tḥemla n ssuma. Imeḍḍarfa s umata ttaken-d idrimen yelhan ddaw n 80% LTV, yerna kra ḥwaǧen aseḍru n tmurt nnig-s.
Iberdan n uxelleṣ drus
- Sseqdec azal n lqidar n useggas (APR) seg waṭas n yimerḍalen, mačči kan azal n tqacuct — APR yesɛa idrimen.
- Axelleṣ n tmezwarut meqqren yesneqs ama d axelleṣ, ama d lfayda n tmezwarut, yerna s waṭas yettaf-d azal yelhan.
- Ula d axelleṣ ameẓyan n zyada yal aggur yezmer ad yeṭṭef iseggasen seg usmel — ẓer ma yella win i k-id-yesfaydin yettḥettim-d axelleṣ uqbel lawan.
- Ḥrez aḍebsi: lqimat, lbaṭaṭa d tḍmant zemren ad beddlen, yerna lqidar yettwasbedden s umata yettkemmil kan i tallit yettwasbedden.
Igmaḍ-a d tiktiwin i lmend n usnerni kan. Asenfar n umḍebber n tbanka yettkemmil ɣef umezruy-ik n tbanka, lḥeqq, aseḍru d lqanun n tmurt — sqerdec dima iḍrisen ineggura sɣur umḍebber.
Kreḍ neɣ sɣeḍ taḥesnabt →Amsefran n wayla: sqedceḍ ixxamen s wayen yesɛan azal ɣur-k →Segzi umuɣ n wayla