Expert panel — decree 91-145, decree 94-308, JORADP.
TL;DR — Summary 30s: CNL (National Housing Fund) created by decree 91-145 (1991). Manages AAP (Aid Property Access) 400-700k DA by 4 zones. Finances LPA programs. Bonifies interest rates. Eligibility: DZ national, income 30-120k DA, non-owner, first-time buyer.Key Points Decree 91-145 (1991) Public financial institution AAP 400-700k DA 4 zones Income 30-120k DA Non-owner First-time buyer LPA/AADL/LPP coordination CNEP partnership Digital emerging
1. Legal framework + missions
Decrees 91-145 + 94-308.
Methodology: official sources.
2. AAP in detail
Core aid mechanism.
3. Program coordination
LPA, AADL, LPL, LPP.
4. Cases + FAQ + sources
6 cases + 16 Q&As.
FAQ
CNL? AAP? Property access aid 400-700k.
Eligibility? Zones? Sud 700k to major cities 400k.
Cumul? Paid to? Delay? Where? CNEP? Fraud?
Official sources & methodology Decree 91-145 (1991) Decree 94-308 (1994) Ministry Housing + Finance DZ-Immobilier interviews June 2026 About the expert panel Karim Herfi — Karim Herfi coordinates the DZ-Immobilier expert panel.
Check my AAP eligibility