Entrepreneur guide — decree 08-105, Ministry Housing agreement, capital, procedures.
Legal framework decree 08-105
Decree 08-105 (2008) modified 2019+2023. Complements Law 07-11, 89-01, Commerce Code.Methodology: Kloufi.
Agreement conditions
Personal, academic, training 120-200h, capital, local 30m² min, RC insurance, escrow account.10 administrative steps
Training, legal form, notary statuses, bank account, CNRC, tax, CNAS, local, agreement Ministry Housing, insurance. 6-12 months.Business model + revenues
Sale commission 2-5%. Rental 1 month. Management 5-10%. CA 5-40M DZD. Margin 15-30%. IBS 26% + TAP 2% + TVA 19%.DZ market 2026
~4,500 agencies. Growth +8-12%/yr. Competition Ouedkniss, Bayt.dz, DZ-Immobilier, Kloufi.Marketing + acquisition
Website + SEO 200-800k. Social media 100-300k. Photos pro 30-80k/bien. Digital-first strong recommendation. Diaspora strategic segment.Tip: kricar.fr.
8 pitfalls to avoid
Undercapitalization, no continuous training, poor cash flow, bad location, weak digital, admin time, client fund confusion, black market.Editorial Q&A
800k-2.5M DZD startup. 6-12 months procedure. Margin 15-30%.Frequently Asked Questions
DZ framework?
Decree 08-105 modified.
Personal conditions?
25y min, clean record, Bac+3 or 10y.
Social capital?
500k EURL, 1M SARL, 2M SPA.
Startup cost?
800k-2.5M DZD.
Duration?
6-12 months.
Commission?
Sale 2-5%. Rental 1 month.
Rentability?
Margin 15-30%. ROI 2-4 years.
Number 2026?
~4,500 nationally.