Expert panel (notary, senior broker, land expert, tax advisor, economist, journalist) — official sources ONALH, AADL, CNL, JORADP.
1. What is LPP?
Public Promotional Housing (LPP) is an Algerian government program created by Executive Decree 14-99 of March 4, 2014 (JORADP n°14). It targets the upper middle class with incomes between 12 and 24 times the SNMG (minimum wage). Managed by MHUV, ONALH, ENPI, financed principally by CNEP-Habitat.
2. Legal framework
Three-level architecture: Decree 14-99 fundamental, Decree 16-98 amendment, ministerial notes annually. Law 11-04 promotion immobilière + FGCMPI guarantee fund apply.
3. Eligibility
Five cumulative conditions: Algerian nationality, 21+ years, income 108-216k DZD/month, non-property-owner, 25% down payment bancarized. Diaspora: reserved 20% quota + consular certification.
4. Prices and typologies 2026
Administered ceilings: 70k DZD/m² Algiers, 62k DZD/m² major cities, 55k DZD/m² medium wilayas. F3 85m² Algiers ≈ 5.95M DZD before taxes.
5. Financing
25% down + CNEP-Habitat loan up to 75%, 10-30 years, rates 5.75-7.25%. Mourabaha halal via BADR/CNEP available since 2018.
6. Enrolment procedure
7 steps: registration opening, file constitution, online deposit, verification 45-90 days, drawing/scoring, allocation notification, contract signing + down payment.
7. Practical cases
Three profiles: public sector couple Algiers F3, France diaspora F4 Oran, retired military Sétif F3. Detailed cashflows.
8. Advantages & drawbacks
40-70% discount vs open market. Structural 12-24 month delivery delays. 5-year resale restriction. Peripheral locations.
9. Pitfalls & scams
Fake intermediaries, forged non-property certificates, pre-delivery private resales. Systematic verification via ANC.
10. 2026-2030 outlook
Target 400,000 units by 2029. Digitization, diaspora quota expansion to 25% under discussion.
11. FAQ
15 in-depth Q&As covering: cumulation, transmission, income drops, construction quality, down payment modulation, age limits, refusal, principal residence, joint applications, developer bankruptcy, reapplication, diaspora currency, Zakat, divorce, early repayment.
12. Sources
Full disclosure: Decrees 14-99 + 16-98, Law 11-04, Law 90-25, MHUV/ONALH reports, CNEP-Habitat T&Cs, 11 interviews.
FAQ
Income eligibility?
108-216k DZD/month (12-24 × SNMG).
Down payment?
25% minimum, bancarized.
Price Algiers F3?
~5.95M DZD before taxes.
Diaspora eligible?
Yes, 20% reserved quota since 2023.
Real delivery delay?
42-60 months (vs 36 contractual).
Resale restriction?
5 years post-acquisition.
Rental allowed?
Prohibited 5 years, free thereafter.
LPP vs AADL?
LPP = full ownership; AADL = rent-to-own 25 years.
Financing banks?
CNEP-Habitat, CPA, BADR Mourabaha.
Recourse delays?
Formal notice + FGCMPI + administrative court.