أخبار وطنية

5 أيام للحصول على “كادي”، “إيبيزا” و”بيكانتو” من بنك السلام

باشر مصرف “بنك السلام” في إطلاق صيغة قروض إسلامية “حلال” لشراء السيارات والسكن وفق الإجراءات الجديدة المعمول بها مؤخرا بعدما أعطت الحكومة الضوء الأخضر للبنوك لتبني سياسة القروض الحلال، حيث شرع البنك في تمويل الأفراد الراغبين في شراء سيارات مركبة بالجزائر من نوع سيات “إيبيزا” وفولكسفاغن “كادي” وكيا “بيكانتو” بصيغة البيع بالتقسيط، المتوفرة حاليا لدى الوكلاء المعتمدين التي توفرها للزبون في ظرف قدره 5 أيام بداية من تاريخ إيداع الملف.

وكشف جبايلي سفيان رئيس القطاع التجاري بمصرف السلام في اتصال مع “البلاد” أن المصرف أطلق صيغة القروض الحلال عن طريق تمويل الأفراد الراغبين في شراء سيارات أو مساكن، مؤكدا أن شروط اقتناء المركبات وفق ما تنص عليه الشريعة الإسلامية، أي صيغة “الحلال”، حيث اقتنى البنك كمية معتبرة من المركبات من الوكلاء المعتمدين ذات الماركات المذكورة. ويمكن للزبون الحصول على السيارة في ظرف 5 أيام، بداية من تاريخ إيداع الملف والذي يكون الرد عليه في 48 ساعة. ويشترط “بنك السلام” مدخولا دائما يضمن للزبون تسديد كامل المبلغ المستحق للبنك والمقرر دفعه بالتقسيط في مدة 60 شهرا بعد اقتطاع نسبة 30 بالمائة من الأجر الشهري، بالإضافة إلى توفر شروط الملاءمة المقررة من طرف المصرف، منها السن التي لا يجب أن تتجاوز الـ70 سنة والأجر الشهري الذي يجب أن يبدأ من 40 ألف دينار فما فوق، مع إمكانية إشراك أجرة أحد الزوجين، ودفع نسبة 20 بالمائة من سعر السيارة.

أما بالنسبة لأسعار السيارات المتوفرة لدى البنك فقد بلغ سعر سيارة “بيكانتو “Tottupation 190 مليون سنتيم تدفع نسبة 20 بالمائة منها والمقدرة بحوالي 38 مليون سنتيم. أما سعر “إيبيزا” فقد بلغ 220 مليونا مع دفع نسبة الـ20 بالمائة والمقدرة بـ44 مليون سنتيم. سعر سيارة الفولسفاڤن “كادي” 380 مليون سنتيم.

ويضيف جبايلي سفيان أن البنك سيشرع مستقبلا في توفير سيارات أخرى من نوع “ڤولف” بأسعار معقولة ويدعو المصرف الجزائريين الراغبين في شراء السيارات المعنية بصيغة البيع بالتقسيط وفق تمويل موافق لأحكام الشريعة، إلى التقرب من وكالاته لإيداع طلباتهم، بعد أن وقع البنك عدة اتفاقيات مع وكلاء وموزعي السيارات المصنعة محليا، تؤمن له توفير كميات محددة من السيارات للرد على الطلب المتزايد لزبائنه وضمان تسليم سياراتهم.

أما صيغة التمويل لشراء المساكن أو كرائها لتمليكها مستقبلا فهي متوفرة لدى البنك الذي مول هو الآخر مكتتبي صيغة الترقوي العمومي”LPP، إلى جانب بيع السكنات للراغبين على المدى الطويل بصيغة الإيجار.

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