Expert panel — official sources Decree 10-235, CNL, MHUV, JORADP.
1. What is LPA?
Public program created by Decree 10-235 (October 2010). Replaces LSP. Managed by MHUV, CNL, ENPI, OPGI. Targets modest middle class.
2. Eligibility - 6 conditions
Algerian nationality + age 21+ + income 1.5-6 SNMG + non-property owner + regular declared income + residency.
3. CNL Aid - core mechanism
Direct grant 400-700k DZD by zone. Non-refundable subject to 5-year occupation.
4. Prices 2026
Ceilings: 55k DZD/m² Algiers, 45-50k medium cities.
5. Financing
Subsidized rate 3-4.5% (vs 6-7% market). CNEP-Habitat, BADR Mourabaha, CPA.
6. Enrolment procedure
8 steps, waiting 12-24 months for allocation.
7. Practical cases
Teacher couple Algiers, single civil servant Sétif, France diaspora Béjaïa.
8. Pros & cons
50-70% discount vs open market. 12-18 month structural delays. 5-year resale ban.
9. LPA vs AADL vs LPP
Complete comparison table + profile guide.
10. Scams & disputes
Fake intermediaries, pre-delivery resales, recourse via FGCMPI.
11. 2026-2030 outlook
Target 150,000 units. Diaspora quota under discussion.
12. FAQ (16 questions)
In-depth Q&As on all LPA aspects.
13. Sources
Full disclosure: Decree 10-235, orders, MHUV/CNL reports, interviews.
FAQ
Legal basis?
Decree 10-235 (05/10/2010).
Income eligibility?
1.5-6 SNMG = 30-120k DZD/month.
CNL aid amount?
400-700k DZD by zone.
Min down payment?
10-15%.
Loan rate?
3-4.5% subsidized.
F3 Algiers price?
~4.1M DZD.
Resale ban?
5 years.
Rental allowed?
No during 5 years.
Diaspora eligible?
Yes under conditions.
LPA vs LPP?
LPA income 30-120k + cash aid. LPP 120-240k + subsidized land.