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AADL 3, rumeurs et fausses informations : le vrai du faux (enquête)
Ces derniers temps, une multitude de pages sur les réseaux sociaux diffusent des informations erronées et contradictoires concernant le programme AADL 3, notamment en ce qui concerne l’exclusion des souscripteurs.
Cette situation a suscité une vague d’inquiétude et de confusion parmi de nombreux citoyens. En effet, profitant de l’intérêt grandissant pour le programme AADL 3 qui touche une large frange de la population désireuse d’acquérir un logement, de nombreux groupes et pages diffusent des informations non officielles dans le but d’augmenter leur audience et de générer des interactions. Cette pratique a ouvert la voie à une prolifération de rumeurs et fausses informations.
A titre d’exemple, certains internautes affirment que la priorité sera accordée selon le numéro d’ordre, comme dans l’AADL 2, tandis que d’autres soutiennent que les couples avec enfants et les personnes âgées seront privilégiés, au détriment des bénéficiaires de l’allocation chômage, des nouveaux adhérents à la sécurité sociale et des étudiants.
La question propriétaires de terrains en indivision ou faisant l’objet d’un acte sous seing privé , ainsi que des personnes ayant des salaires élevés , est également largement débattue.
Certains affirment que l’AADL laisse les souscripteurs payer les mensualités pour ensuite les exclure , créant ainsi une confusion quant à la surface minimale qui justifie une exclusion.
De plus, des comptes fictifs portant le nom d’AADL 3 relaient des informations concernant le prix des logements et les tranches de paiement .
Il est important de noter que le ministère concerné n’a pas encore communiqué de détails à ce sujet , car le coût final du logement est déterminé en fonction du prix d’achat du terrain, des études réalisées, des travaux de construction, des infrastructures routières, des réseaux de viabilisation et des frais de services.
🟢 A LIRE AUSSI : AADL 3 : Le ministère d’Habitat annonce la date du dernier délai pour s’inscrire
Suite à l’annonce par le ministère du Logement de la fermeture de la plateforme d’AADL 3 pour l’étude des demandes, avec la promesse d’une réouverture ultérieure, plusieurs publications portant le hashtag « urgent » ont circulé, indiquant que les inscrits doivent surveiller leurs téléphones car l’Agence enverra des SMS aux admis.
Il est important de rappeler que le décret exécutif modifiant et complétant les conditions et modalités d’acquisition des logements publics achevés dans le cadre de la formule de logement à vente par location (AADL 3) a été publié au numéro 43 du Journal officiel .
AADL 3 : Ces 10 catégories ne sont plus exclues de la liste des bénéficiaires Conformément à la note de circulaire ministérielle n°1 du 8 avril 2018 , ces dix catégories ne sont plus exclues de la liste des bénéficiaires.
🟢 A LIRE AUSSI : L’AADL vend plus de 1 400 locaux commerciaux : voici les wilayas concernées
Ces catégories concernent les citoyens n’ayant jamais possédé de bien immobilier à usage d’habitation ou de terrain constructible , ni bénéficié d’aucune formule de logement ou d’aide publique . Voici le détail de ces dix catégories.
Propriétaires d’un immeuble en copropriété – Copropriétaires
Les demandeurs possédant un immeuble en copropriété dont la part est inférieure ou égale à 70 mètres carrés , cette superficie étant assimilée à l’absence de possession d’un logement.
Propriétaires d’un terrain en copropriété – Copropriétaires
Les demandes des propriétaires d’un terrain en copropriété sont étudiées selon les cas suivants :
Dans les wilayas de : Chlef, Béjaïa, Blida, Tlemcen, Tizi Ouzou, Alger, Jijel, Sétif, Skikda, Sidi Bel Abbès, Constantine, Mostaganem, Oran, Boumerdès, Tipaza, Médéa, Bouira, Batna et Aïn Témouchent, les demandeurs possédant une quote-part en copropriété dont la superficie est :
Inférieure ou égale à 120 mètres carrés pour les communes situées dans le chef-lieu de wilaya.
Inférieure ou égale à 150 mètres carrés pour les autres communes.
Dans les autres wilayas, les demandeurs possédant une quote-part en copropriété dont la superficie est inférieure ou égale à 200 mètres carrés.
Cas de révocation de donation
Les demandeurs possédant un terrain constructible ou un bien immobilier à usage d’habitation par donation exclusive de leurs ascendants, à condition de présenter un « acte de révocation de donation » établi devant notaire, avant l’inscription au programme de logement social subventionné en totalité ou en partie par l’État.
Propriétaires ou locataires de logements exigus
Les demandeurs propriétaires occupants ou locataires d’un bien immobilier à usage d’habitation dont la superficie est inférieure ou égale à 50 mètres carrés . Dans ce cas, le dossier doit être complété par une copie du titre de propriété pour le demandeur propriétaire et du contrat de location pour le locataire du logement social.
Demandeurs ayant agi en tant que mandataires pour le remplissage au profit des ayants droit de l’aide accordée pour la restauration d’un logement sinistré suite à une catastrophe naturelle
Il s’agit des décisions d’octroi d’aides établies par le wali et enregistrées au nom d’un bénéficiaire autre que le propriétaire du logement sinistré et agissant uniquement en tant que mandataire au profit des ayants droit. Si la qualité de mandataire est prouvée , ces demandeurs peuvent être admis selon le cas :
Cas du propriétaire vivant : Titre de propriété et attestation notariée indiquant que le mandataire a utilisé l’aide financière pour la restauration du bien concerné.
Cas du propriétaire décédé : Titre de propriété, acte de succession et procuration notariée pour agir au nom des héritiers.
Cas du propriétaire sans titre : Attestation délivrée par le président de l’APC, indiquant que le souscripteur ayant reçu l’aide de l’État n’est pas le propriétaire du bien.
Demandeurs occupant un logement de fonction ou obligatoire
Les demandeurs occupant un logement de fonction relevant du domaine public immobilier ou un logement obligatoire, tel que défini par le décret exécutif n°89-10 du 7 février 1989 fixant les conditions d’occupation des logements attribués en raison de la nécessité du service ou au profit du service et les conditions d’octroi de ces logements, doivent, pour pouvoir prétendre à l’aide de l’État, fournir une attestation délivrée par l’employeur public gérant le logement concerné, attestant du caractère du logement et de son incessibilité, et précisant l’obligation de libération du logement par l’occupant à la fin de la relation de travail au plus tard.
Cas de décès du demandeur
Lorsque l’aide est versée par la Caisse nationale du logement (CNL) dans le cadre des programmes de logement social participatif et de logement promotionnel, l’aide est attribuée sur la base des revenus du ménage et la décision d’attribution est établie au nom du demandeur.
En cas de décès d’une personne mariée bénéficiaire de l’aide , deux cas peuvent se produire :
Si le contrat de vente ou le contrat de vente en l’état futur d’achèvement est authentique, enregistré et publié, l’aide de l’État est légalement transférée aux héritiers.
En l’absence de contrat de vente ou de contrat de vente en l’état futur d’achèvement , dans ce cas, et si le bénéficiaire est marié, l’aide est transférée au conjoint. En revanche, si le bénéficiaire est célibataire, les ayants droit doivent proposer, dans un délai de trois mois maximum, un successeur parmi les héritiers habilités à bénéficier de l’aide. Ce remplacement doit être approuvé par la commission de wilaya compétente. A défaut de proposition, l’aide est annulée.
Demandeurs d’aide à la réalisation d’un logement rural dont la demande a été rejetée pour cause de possession d’un permis de construire
Tout demandeur dont la fiche individuelle de logement révèle qu’il est titulaire d’un permis de construire doit présenter une attestation délivrée par le président de l’APC ayant délivré ce permis, indiquant que ce dernier a été délivré pour « un terrain nu actuellement et destiné à recevoir le logement objet de la demande d’aide de l’État pour le logement rural ».
Aides financières antérieures d’un montant n’excédant pas 300.000 DA
Sont admis à bénéficier des différentes formules de logement social, les demandeurs ne possédant et n’ayant jamais possédé de bien immobilier à usage d’habitation ou de terrain constructible et ayant bénéficié d’une aide de l’État d’un montant n’excédant pas trois cent mille dinars (300.000 DA).
Évaluation des revenus pour l’octroi de l’aide de l’État
Concernant les conditions d’éligibilité, l’évaluation des revenus pour l’examen de ces aides au niveau des communes ou du promoteur immobilier dans le cadre de la vente en location-vente, est effectuée par le directeur du logement ou le chef de daïra territorialement compétent, qui établit une attestation portant la date de dépôt du dossier attestant de cette situation.
Pour déterminer le niveau de cette aide, seuls les revenus actualisés à la date de dépôt de la demande d’aide auprès du CNL sont pris en compte.
AADL 3 : 6 conditions pour bénéficier des logements en formule vente-location Le programme AADL 3, visant à faciliter l’accès au logement en Algérie, propose des formules de vente-location avec des conditions spécifiques. Pour être éligible à ces logements, il faut répondre à six critères principaux :
Critère de revenus
Le revenu net cumulé du demandeur et/ou de son conjoint doit se situer entre 24.000 et 120.000 dinars algériens.
Condition de non-possession de biens immobiliers
Le demandeur ne doit pas avoir été propriétaire auparavant d’un terrain constructible ou d’un logement, que ce soit par voie de possession ou de propriété sous toutes ses formes.
Exclusion des bénéficiaires d’aides publiques au logement
Le demandeur ne doit pas avoir bénéficié d’une aide financière de l’État pour la construction ou l’acquisition d’un logement.
Apport personnel
Une d’acompte de 38% du prix du logement est exigée, payable en cinq tranches selon l’avancement des travaux.
Modalités de remboursement
Le solde du prix du logement, y compris les charges et frais annexes, est remboursable par des mensualités sur une durée maximale de 35 ans pour les ménages dont les revenus sont inférieurs à 8 millions de centimes. Pour les ménages dont les revenus dépassent ce seuil, la durée maximale de remboursement est de 30 ans.
Limite d’âge pour le remboursement
Le dernier versement mensuel du solde du prix du logement doit être effectué avant l’âge de 70 ans. Il est possible de désigner un garant pour le paiement des mensualités en cas d’empêchement du débiteur. 🟢 A LIRE AUSSI : AADL 3 : vers une reprise des inscriptions ? Le ministère répond aux Algériens