{"id":96237,"date":"2025-12-31T20:19:34","date_gmt":"2025-12-31T19:19:34","guid":{"rendered":"https:\/\/dknews.dz\/?p=96237"},"modified":"2025-12-31T20:19:38","modified_gmt":"2025-12-31T19:19:38","slug":"la-banque-dalgerie-fixe-le-plafond-des-taux-dinterets-des-credits-pour-le-1er-semestre-2026","status":"publish","type":"post","link":"https:\/\/dknews.dz\/index.php\/2025\/12\/31\/la-banque-dalgerie-fixe-le-plafond-des-taux-dinterets-des-credits-pour-le-1er-semestre-2026\/","title":{"rendered":"La Banque d&rsquo;Alg\u00e9rie fixe le plafond des taux d&rsquo;int\u00e9r\u00eats des cr\u00e9dits pour le 1er semestre 2026"},"content":{"rendered":"\n<p>La Banque d&rsquo;Alg\u00e9rie a rendu public mercredi une nouvelle note adress\u00e9e aux banques et \u00e9tablissements financiers, fixant les plafonds des taux d&rsquo;int\u00e9r\u00eats appliqu\u00e9s aux cr\u00e9dits, valables pour le premier semestre 2026.<\/p>\n\n\n\n<p>Les taux d&rsquo;int\u00e9r\u00eat des cr\u00e9dits \u00e0 la consommation sont ainsi plafonn\u00e9s \u00e0 10,36 % (-0,21 point par rapport au semestre pr\u00e9c\u00e9dent), 7,56 % pour les cr\u00e9dits \u00e0 court terme (-0,12 point), 6,93 % pour les cr\u00e9dits \u00e0 moyen terme (-0,06 point) et 6,40 % pour les cr\u00e9dits \u00e0 long terme (+0,08 point).<\/p>\n\n\n\n<p>Pour les cr\u00e9dits destin\u00e9s au financement de l&rsquo;habitat, le seuil des taux jug\u00e9s excessifs a \u00e9t\u00e9 fix\u00e9 \u00e0 7,55 % (+0,01 point), tandis que celui du leasing s&rsquo;\u00e9tablit \u00e0 11,01 % (-0,38 point), selon la m\u00eame note.<\/p>\n\n\n\n<p>Le plafond des d\u00e9couverts bancaires a \u00e9t\u00e9 arr\u00eat\u00e9 \u00e0 8,26 %, soit une baisse de 0,40 point par rapport au deuxi\u00e8me semestre 2025, pr\u00e9cise la Banque d&rsquo;Alg\u00e9rie.<\/p>\n\n\n\n<p>Renouvelables chaque semestre, ces plafonds sont calcul\u00e9s sur la base du taux effectif moyen pratiqu\u00e9 au semestre pr\u00e9c\u00e9dent par les banques et \u00e9tablissements financiers pour des op\u00e9rations de m\u00eame nature, major\u00e9 de 10 %, conform\u00e9ment \u00e0 l&rsquo;instruction de la Banque d&rsquo;Alg\u00e9rie, publi\u00e9e en 2016 et modifi\u00e9e en 2021.<\/p>\n\n\n\n<p>A travers la fixation de ces seuils, la Banque d&rsquo;Alg\u00e9rie vise \u00e0 prot\u00e9ger les consommateurs de services financiers contre toute surfacturation ou d\u00e9rive excessive dans les taux appliqu\u00e9s aux diff\u00e9rentes cat\u00e9gories de cr\u00e9dits consentis \u00e0 la client\u00e8le.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La Banque d&rsquo;Alg\u00e9rie a rendu public mercredi une nouvelle note adress\u00e9e aux banques et \u00e9tablissements financiers, fixant les plafonds des taux d&rsquo;int\u00e9r\u00eats appliqu\u00e9s aux cr\u00e9dits, valables pour le premier semestre 2026. Les taux d&rsquo;int\u00e9r\u00eat des cr\u00e9dits \u00e0 la consommation sont ainsi plafonn\u00e9s \u00e0 10,36 % (-0,21 point par rapport au semestre pr\u00e9c\u00e9dent), 7,56 % pour [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":88259,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[107],"tags":[],"ppma_author":[163],"class_list":{"0":"post-96237","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-economie"},"authors":[{"term_id":163,"user_id":1,"is_guest":0,"slug":"dknews","display_name":"dknews","avatar_url":"https:\/\/secure.gravatar.com\/avatar\/f56c36580f44a9d8e8535169273499b7dddc82045bcc254bf7d154ff6b485f62?s=96&d=mm&r=g","first_name":"","last_name":"","user_url":"https:\/\/dknews.dz","job_title":"","description":""}],"_links":{"self":[{"href":"https:\/\/dknews.dz\/index.php\/wp-json\/wp\/v2\/posts\/96237","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dknews.dz\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dknews.dz\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dknews.dz\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/dknews.dz\/index.php\/wp-json\/wp\/v2\/comments?post=96237"}],"version-history":[{"count":0,"href":"https:\/\/dknews.dz\/index.php\/wp-json\/wp\/v2\/posts\/96237\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/dknews.dz\/index.php\/wp-json\/wp\/v2\/media\/88259"}],"wp:attachment":[{"href":"https:\/\/dknews.dz\/index.php\/wp-json\/wp\/v2\/media?parent=96237"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dknews.dz\/index.php\/wp-json\/wp\/v2\/categories?post=96237"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dknews.dz\/index.php\/wp-json\/wp\/v2\/tags?post=96237"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/dknews.dz\/index.php\/wp-json\/wp\/v2\/ppma_author?post=96237"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}