The documents making up the investment credit application file
Natural or legal persons who wish to
invest and do not have private funds to finance their new projects or extend
existing projects, they must resort to financiers to contract loans and the
most important sources of financing in Algeria are bank loans. to follow their
activities and from it, it is necessary to see the necessary conditions and are
eligible for investment credits and its compliance with its financial capacity
and solvency to make an investment or expansion decision, that we list as
follows:
Legal and administrative documents to apply for an investment loan
Written request signed by
the client including the nature of the competition
requested, their amounts, their durations, their objectives and the terms of their refunds.
Legal statutes for legal
persons.
Trade register,
expressly specifying the promotion activity real estate for this type of
activity.
Minutes of the general
meeting of shareholders conferring on the directors of the enterprise, the
powers to contract loans and to grant guarantees, if this provision is not
provided for in the articles of association.
Copy of the official
bulletin of legal announcements (BOAL).
CV of directors and
copies of identity documents.
Qualification and
professional experience of the promoter in the field invested.
Deed of ownership or
lease of the premises to house the activity and for real estate development the
deed of ownership of the base land to receive the real estate project as well
as the foneier booklet.
Negative mortgage
certificate for the site of the project dating from less than a month for real
estate development.
Assessment report of
the premises to house the activity carried out by a duly accredited
professional (expert) with a view to a possible decision warranty.
Copy of the decision
granting benefits issued by ANDI or by the CNI.
Approval and or any
other document authorizing the promoter to exercise
the planned activity.
Certificate of
inclusion in the national register of real estate developers
open to the Ministry of
Housing for promotion projects real estate.
Accounting Documents and Financiel
1-Technical, economic and
financial study of the project duly signed and
sealed by a design office.
2-Opening balance sheet and
provisional balance sheets over the term of the loan.
3-Proforma invoice and / or recent equipment purchase contract (less than 03 months) each heading included in the investment structure must be previously justified by invoices and / or quotes.
4-Descriptive and estimated
quote for building and civil engineering works.
5-Tax reports and
appendices for the last three closed financial years, when it comes to a
request for extension credit.
6-Proof of legal deposit of
social accounts issued by the Center National Trade Register (CNRC).
7-Expertise and / or
supporting documents for the work already carried out and work still to be done.
8-Financing plan.
For the financing files of real estate development operations, the specific documents to be requested are:
1- The list of possible
bookers.
2- The estimated budget of
the project (number of units, sale price, price of returns and margin).
3- The monthly plan of the
project.
Technical documents
1- Building permit relating
to the valid project.
2- Concession authorization
issued by the competent authority.
3- Project implementation
schedule.
For the financing files of real estate development operations, the specific documents to be requested are:
1-The organization, skills
and material resources that matter to implement the promoter for the
realization of his real estate project.
2- The professional
references of the architectural firm in charge of realization of architectural
plans for the real estate project.
3-One (01) set of plans for
the real estate project approved by the Management'' Territorial competent
urban planning and construction as well as by the Center for Technical
Construction Control (CCTC).
4-Copies of project
management contracts (promoter / office architecture) and project management
(promoter / construction company production).
5-The certificate of
qualification and professional classification of the company responsible for
the construction of the real estate project.
6-Professional references,
skills and resources (human and materials) that the company in charge of
construction intends to mobilize of the project
7-The descriptive,
quantitative and estimated estimate of the project.
Tax documents
1- Fiscal and parafiscal
certificates duly cleared.
2- A repayment schedule for
previous debt related to the debt tax or social policy decided by the
organization concerned.