How is the AADL 2 home price computed after the modification?

Price = (50,000 − 10,000) DA/m² × surface − 700,000 DA CNL aid, i.e. F3 (70 m²) = 2,100,000 DA and F4 (85 m²) = 2,700,000 DA. The 10,000 DA/m² state aid and full tertiary-VRD coverage come from the arrêté of 26 May 2026 (JO no. 47).

What is the AADL 2 down-payment?

The circulating rate is about 25% of the price, but it is not officially confirmed — enter your own. Only the 25-year term and the age-70 cap are official.

What is the AADL 2 term and how are instalments computed?

Term 25 years, but repayment must finish before age 70; instalments = min(25 × 12 = 300, (70 − age) × 12).

Is there interest on AADL 2 instalments?

No. The public Treasury covers 100% of the interest; the beneficiary repays only the balance, interest-free.

What is the difference between AADL 2 and AADL 3?

AADL 2 covers 2013 registrations (25-year term, lower price); AADL 3 covers 2024 registrations (35 or 30 years, 38% down-payment). For AADL 3, use the AADL 3 payment simulator.

Real estate

AADL 2 payment simulator (عدل) – monthly instalment

Compute the monthly instalment for an AADL 2 rent-to-own home (2013 registrations): official price after the new modification, down-payment, and 25-year term by age — interest-free.

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Home price

Price after modification: F3 = 2,100,000, F4 = 2,700,000 DA (50,000 DA/m² − 700,000 − 10,000/m²).

Down-payment rate (%)

≈ 25% (circulating, non-official). Paid before handover — adjust it.

Your age at handover

per year

Repayment must finish before age 70; the number of instalments falls as age rises.

Monthly instalment

—

Down-payment25%

Balance (in instalments)75%

Home price2,100,000DA

Down-payment rate25.0%

Down-payment525,000DA

Balance (in instalments)1,575,000DA

Number of instalments300

Monthly instalment5,250DA

NoteInterest-free: the public Treasury covers 100% of the interest (official gazette no. 82/2025).

NoteAADL 2 price computed after the new modification (arrêté of 26 May 2026, JO no. 47). The down-payment rate (≈ 25%) is circulating and non-official.

Down-payment525,000DA

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How it works

Enter the price (or pick F3/F4), the down-payment rate and your age at handover.
We compute the down-payment and the instalment count over 25 years with the age-70 cap.
We show the interest-free monthly instalment with the balance.

Sources: executive decree 24-203 (25-year term) · arrêté of 26 May 2026 (JO no. 47 – new price modification) · gazette arrêté no. 82/2025 (interest coverage) · AADL agency.

Data last reviewed: 2026-07-13

Hsabet is not affiliated with any of these official organizations – cited for reference only.

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About this tool

This simulator computes the monthly instalment for an AADL 2 rent-to-own home (2013 registrations). You pay a down-payment at registration, then the balance in interest-free monthly instalments (the Treasury covers 100% of the interest). Term 25 years, capped before age 70.

Price after the new modification: F3 (70 m²) = 2,100,000 DA, F4 (85 m²) = 2,700,000 DA (50,000 DA/m² − 700,000 DA CNL aid − 10,000 DA/m² state aid — arrêté of 26 May 2026). The down-payment rate (≈ 25%) is a circulating, non-official figure — adjust it.