What is the repayment tenure for the remaining 75%?

The balance is repaid via interest-free monthly installments across 25 to 30 years before age 70.

What are the income eligibility limits?

Household net income must be between 24,000 DZD and 120,000 DZD (up to 6 times the national minimum wage SNMG).

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Algeria AADL 3 Housing Installments Calculator 2026 (Rent-to-Own Formula)

Calculate upfront tranche installments (25% down payment) and monthly rent-to-own repayments for AADL 3 state housing (F3 and F4 apartments) from the National Agency for Housing Improvement in DZD.

Mortgages & Home Loans Housing & Residential Real Estate & Property

Calculated Result

Total Apartment Price

0 DZD

Calculator Inputs

Apartment Configuration

Monthly Amortization Duration

Calculated Result

Total Apartment Price

0DZD

Total Down Payment (25% in 4 Tranches)

0 DZD

First Tranche (10% Upon Confirmation)

0 DZD

Monthly Affordable Rent Installment (75% Balance)

0 DZD

Calculation Methodology

Down Payment = 25% of apartment price split across tranches (10% tranche 1, 5% tranche 2, 5% tranche 3, 5% tranche 4). Remaining 75% is amortized into affordable monthly rent payments over 25 to 30 years (300-360 months).

Important Legal & Educational Disclaimer

Calculated in accordance with Algerian Ministry of Housing executive decrees governing the AADL Rent-to-Own housing program.

This calculator is designed for educational and informational purposes only based on public statutory frameworks. The outputs do not constitute binding financial, tax, or legal advice. We assume no liability for decisions made based on these estimations. Always verify with the relevant official authorities or a certified professional advisor.