How is the AADL 3 home price computed?

Price = (60,000 − 1,000) DA/m² × surface − 700,000 DA CNL aid, i.e. F3 (70 m²) = 3,430,000 DA and F4 (85 m²) = 4,315,000 DA (JO no. 82/2025).

What is the AADL 3 down-payment (tranches)?

The down-payment is 38% of the price, split across five payment orders: OV1 = 10% (phase 1 50% + phase 2 50% + complementary tranche), then OV2, OV3, OV4 and OV5 at 7% each (decree 24-203).

How are the term and instalment count set?

Maximum term: 35 years if income ≤ 4× SNMG, otherwise 30 years. Repayment must finish before age 70; instalments = min(term × 12, (70 − age) × 12).

Is there interest on AADL 3 instalments?

No. The public Treasury covers 100% of the interest for the whole term (JO no. 82/2025); 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 2, use the AADL 2 payment simulator.

Real estate

AADL 3 payment simulator (عدل) – monthly instalment

Compute the monthly instalment for an AADL 3 rent-to-own home (2024 registrations): official price, down-payment (OV1 10% + OV2–5 7%), and term by income and age — interest-free.

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Home price

Official price: F3 = 3,430,000, F4 = 4,315,000 DA (60,000 DA/m² − 700,000 DA aid).

Down-payment rate (%)

Official 38% = OV1 10% + four payment orders of 7%. Paid before handover.

Household monthly income

Income ≤ 4× SNMG (96,000 DA) → 35 years, otherwise 30 years.

Your age at handover

per year

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

Monthly instalment

—

Down-payment (payment orders)38%

Balance (in instalments)62%

Home price3,430,000DA

Down-payment rate38.0%

Down-payment (payment orders)1,303,400DA

Payment order OV1 (10%)343,000DA

Payment order OV2 (7%)240,100DA

Payment order OV3 (7%)240,100DA

Payment order OV4 (7%)240,100DA

Payment order OV5 (7%)240,100DA

Balance (in instalments)2,126,600DA

Number of instalments360

Monthly instalment5,907DA

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

NoteAADL 3 prices are official (JO no. 82/2025 + decree 24-203).

Down-payment (payment orders)1,303,400DA

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How it works

Enter the price (or pick F3/F4), the down-payment rate, household income and your age at handover.
We compute the down-payment (OV1–OV5) and the instalment count from the term and the age-70 cap.
We show the interest-free monthly instalment with the payment-order breakdown and the balance.

Sources: executive decree 24-203 (down-payment and term) · gazette arrêté no. 82/2025 (official price + interest coverage) · AADL agency · Ministry of Housing.

Data last reviewed: 2026-07-13

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

Frequently asked questions

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About this tool

This simulator computes the monthly instalment for an AADL 3 rent-to-own home (2024 registrations). You pay a down-payment (via payment orders), then the balance in interest-free monthly instalments (the Treasury covers 100% of the interest). The number of instalments depends on the term and your age at handover — repayment must finish before age 70.

Official price: F3 (70 m²) = 3,430,000 DA, F4 (85 m²) = 4,315,000 DA (60,000 DA/m² − 700,000 DA CNL aid). Down-payment 38% across five payment orders: OV1 = 10%, then OV2–OV5 = 7% each. Term 35 years (income ≤ 4× SNMG) or 30 years.