The National Agency for Housing Improvement and Development (AADL) has launched a pivotal digital initiative for its AADL 3 subscribers. This move to fully electronic payments marks a significant shift from previous, often cumbersome, in-person banking procedures. It represents a core part of the government’s broader strategy to modernize public services and reduce administrative burdens for citizens.
This guide provides not only the step-by-step process but also crucial context on the new, unprecedented payment flexibility introduced by presidential directive, helping you navigate this critical phase of your home acquisition with confidence.
Understanding the New Payment Flexibility: A Major Concession
Before detailing the payment mechanics, it’s essential to grasp the significant financial relief now available. On instructions from President Abdelmadjid Tebboune, the Ministry of Housing, under Minister Mohamed Tarek Belaribi, has instituted an exceptional measure. The substantial first installment can now be paid in two stages over three months, effectively acting as an interest-free, short-term payment plan. This is a direct response to the financial realities faced by subscribers and is designed to prevent defaults at this initial, high-cost hurdle.
The Structured Payment Schedule:
- For F3 Apartments: Total first installment = 343,000 DA.
First Phase: Pay 171,500 DA (50%) within the first two months.
Second Phase: Pay the remaining 171,500 DA in the third month. - For F4 Apartments: Total first installment = 431,500 DA.
First Phase: Pay 215,750 DA (50%) within the first two months.
Second Phase: Pay the remaining 215,750 DA in the third month.
Practical Advice: Plan your savings strategy around these deadlines. Consider setting up a separate savings goal or a reminder for the second payment date to ensure you respect the payment order and avoid any potential complications with your subscription.
AADL 3: Split Payment Terms for the First Installment
Step-by-Step: How to Pay Your First Installment Online
The entire process is conducted securely through the official AADL portal to guarantee the safety of your financial data. Warning: Only use the official website (www.aadl.dz) to avoid phishing scams.
- Log In to Your Personal Space: Access the dedicated “AADL 3” section on the website. Enter your unique username and password (the credentials created during your initial registration).
- Navigate to the Payment Section: Once logged in, find and select the “Subscription” menu, then choose the “First Step Payment” option.
- Enter Payment Details: You will be directed to a secure gateway. Here, you can enter the details of your CIB bank card or your Edahabia card. The system is designed for domestic cards.
- Confirm and Download Your Receipt: After authorizing the transaction, the platform will automatically generate an official payment receipt. This document is crucial. You must download and save it (and consider printing a copy) as it is your only immediate proof of payment. It may be required for future administrative steps or inquiries.
Alternative Payment Method: BaridiMob
For subscribers who prefer mobile convenience, the BaridiMob application offers a fully integrated alternative. You can initiate and complete the entire transfer directly from your smartphone. This method is ideal for those who have already linked their banking details to the app and are familiar with its interface for other postal financial services.
Broader Context and Strategic Insights
This digital and financial flexibility is not an isolated act. It was announced by Minister Belaribi during the launch of construction for 20,000 AADL 3 units in Sidi Hélou, Boumerdès, signaling a coordinated push to accelerate project timelines while supporting subscribers.
This move should be viewed alongside other recent developments, such as the CNEP bank’s announcement of 25-year repayment credits tailored for AADL subscribers. Together, these policies form a multi-pronged support framework: the staggered first installment eases the immediate cash burden, while long-term financing options make the subsequent, larger balances manageable.
Final Recommendation: Treat this online payment as the first formal step in your property acquisition journey. Keep all receipts and confirmation emails in a dedicated file. Stay informed by regularly checking the official AADL website and your personal subscriber space for updates on construction progress, subsequent payment schedules, and any new facilitations. By understanding both the “how” and the “why” behind these procedures, you can navigate the AADL 3 process more strategically and securely.