™AADL payment simulator – monthly instalment
Calculate the monthly instalment for an AADL 2 or AADL 3 rent-to-own home: price, down payment (tranches) and monthly amount by your age at key handover, interest-free.
Per official rate schedules · 2026
AADL 3 official: F3 = 3,430,000, F4 = 4,315,000 DA. AADL 2 (circulating, unofficial): F3 ≈ 2,100,000, F4 ≈ 2,700,000 DA – enter the price you were notified.
AADL 3 ≈ 38% (10% + 4×7%), AADL 2 (circulating) ≈ 25%. This is what you pay before key handover.
For AADL 3 only: income ≤ 4× SNMG (96,000 DA) → 35 years, otherwise 30 years.
Repayment must end before age 70; the number of instalments drops as age rises.
Monthly instalment
5,907DA
Monthly instalment: 5,907 DA
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How it works
Choose the programme (AADL 2 or AADL 3) and enter the price, the down-payment rate, your income, and your age at key handover.
We compute the down payment and the balance to finance, and set the number of instalments by the term and the 70-year cap.
We show the monthly instalment (interest-free) with the down-payment and balance breakdown.
Sources: executive decree 24-203 (Official Journal no. 43/2024) · interministerial order (Official Journal no. 82/2025) · Ministry of Housing, Urbanism and the City · AADL.
Frequently asked questions
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Banque d'AlgérieThis simulator computes the monthly instalment for an AADL rent-to-own home. You pay a down payment (tranches) at subscription, then the balance is spread over interest-free monthly instalments (the Treasury covers 100% of the interest). The number of instalments depends on the repayment term and your age at key handover, since repayment must end before age 70.
AADL 3 (2024 subscriptions): official price F3 = 3,430,000 DA and F4 = 4,315,000 DA, 38% down payment, term 35 years (income ≤ 4× SNMG) or 30 years. AADL 2 (2013 subscriptions): 25-year term (official), but the price (≈ 2,100,000 / 2,700,000 DA) and down payment (25%) are unofficial circulating figures – enter them yourself. Indicative result.