BEA mortgage simulator
Simulate a BEA mortgage: monthly payment, total cost and borrowing capacity. Indicative rates, to be confirmed with the bank.
- Amount borrowed
- 12 M DA
- Of which insurance / month
- 5,000 DZD
- Total cost of the loan
- 10.67 M DA
- Total repaid
- 22.67 M DA
15,000,000 DZD
3,000,000 DZD
% per year of the amount borrowed
Banks usually cap the monthly payment at 30% of income.
Repayment schedule (20 years)
| Year | Principal repaid | Interest | Remaining principal |
|---|---|---|---|
| 1 | 302,533 DZD | 771,093 DZD | 11,697,467 DZD |
| 2 | 322,794 DZD | 750,831 DZD | 11,374,673 DZD |
| 3 | 344,412 DZD | 729,213 DZD | 11,030,261 DZD |
| 4 | 367,478 DZD | 706,147 DZD | 10,662,783 DZD |
| 5 | 392,089 DZD | 681,537 DZD | 10,270,695 DZD |
| 6 | 418,348 DZD | 655,278 DZD | 9,852,347 DZD |
| 7 | 446,365 DZD | 627,260 DZD | 9,405,982 DZD |
| 8 | 476,259 DZD | 597,366 DZD | 8,929,723 DZD |
| 9 | 508,155 DZD | 565,470 DZD | 8,421,568 DZD |
| 10 | 542,187 DZD | 531,438 DZD | 7,879,381 DZD |
| 11 | 578,498 DZD | 495,127 DZD | 7,300,883 DZD |
| 12 | 617,241 DZD | 456,384 DZD | 6,683,641 DZD |
| 13 | 658,579 DZD | 415,046 DZD | 6,025,062 DZD |
| 14 | 702,685 DZD | 370,940 DZD | 5,322,377 DZD |
| 15 | 749,746 DZD | 323,880 DZD | 4,572,631 DZD |
| 16 | 799,957 DZD | 273,668 DZD | 3,772,674 DZD |
| 17 | 853,532 DZD | 220,093 DZD | 2,919,142 DZD |
| 18 | 910,695 DZD | 162,931 DZD | 2,008,447 DZD |
| 19 | 971,686 DZD | 101,940 DZD | 1,036,761 DZD |
| 20 | 1,036,761 DZD | 36,864 DZD | 0 DZD |
Indicative simulation. Results are for information only and are not a loan offer. Actual rates depend on your profile, the bank and current conditions: ask your bank branch for a personal offer.
Compare with other banks.
Algerian banks compared
Indicative rates, maximum term and share of the price financed, entered by our team for each bank.
| Bank | Annual rate | Max. term | Max. financing |
|---|---|---|---|
| CNEP-Banque | 1 % – 12 % | 30 years | up to 90% |
| CPA | 1 % – 12 % | 30 years | up to 90% |
| BNA | 1 % – 12 % | 30 years | up to 90% |
| BEA | 1 % – 12 % | 30 years | up to 90% |
| BADR | 1 % – 12 % | 30 years | up to 90% |
| BDL | 1 % – 12 % | 30 years | up to 90% |
| Islamic financing (murabaha) | 1 % – 12 % | 30 years | up to 90% |
* Indicative rates, for information only. Ask each bank directly for its exact conditions.
Home loans in Algeria: how do they work?
A home loan finances buying a new or existing home, building or renovating. Public banks and some private banks offer them, either conventional (interest) or Islamic (margin).
How much you can borrow depends mostly on your repayment capacity: the monthly payment must stay below a share of your net income set by the bank. The bank also considers the property’s value, your down payment and your job situation.
Borrower insurance, covering death and disability, is usually required. It adds to the monthly payment: the simulator includes it so you see what you will really pay each month.
Usual conditions and documents
- Proof of income: recent payslips, or accounts for the self-employed
- Employment certificate or contract
- Title deed or sale agreement for the property
- Proof of your down payment
- Death and disability insurance
- ID and birth certificate
Notary fees · also estimate the purchase costs
Home loan FAQ
How is the monthly payment calculated?
The simulator uses the constant-payment loan formula from the amount borrowed, the annual rate and the term. Insurance (annual rate × amount borrowed ÷ 12) is added each month.
How much down payment do I need?
Banks don’t always finance 100% of the price: the rest must come from your down payment. The comparison shows the maximum share financed for each bank.
What is the maximum loan term?
It depends on the bank and your age at the end of the loan. The simulator caps the term at the one shown for the chosen bank.
Are the rates shown guaranteed?
No. They are indicative values: only your bank’s written offer counts.
What is Islamic financing (murabaha)?
The bank buys the property and sells it to you with a margin set in advance, paid in monthly instalments. Instalments are calculated like a conventional loan.
Find the property to finance
Browse properties for sale on Immorio: apartments, villas and land across Algeria.