{"id":10,"date":"2024-04-01T10:13:17","date_gmt":"2024-04-01T09:13:17","guid":{"rendered":"http:\/\/dev.alcomnet.com\/bna\/?page_id=10"},"modified":"2025-12-22T16:56:50","modified_gmt":"2025-12-22T15:56:50","slug":"simulateur","status":"publish","type":"page","link":"https:\/\/www.bna.dz\/fi\/fr\/simulateur\/","title":{"rendered":"Simulateur"},"content":{"rendered":"<div id=\"sim\">\n<div class=\"infos\">\n<h3>Informations &#8211; donn\u00e9es de simulation<\/h3>\n<div class=\"my_col first_col\">\n<p class=\"eparg_group\"><label for=\"eparg\">Eparg\/Non-Eparg:<\/label><select id=\"eparg\" name=\"eparg\">\n<option hidden=\"\" disabled=\"disabled\" selected=\"selected\" value=\"\">Choisissez<\/option>\n<option value=\"Epargnant\">Epargnant<\/option>\n<option value=\"Non-Epargnant\">Non-Epargnant<\/option>\n<\/select><\/p>\n<p class=\"type_client\"><label for=\"type_client\">Type de client:<\/label><select id=\"type_client\" name=\"type_client\">\n<option hidden=\"\" disabled=\"disabled\" selected=\"selected\" value=\"\">Choisissez<\/option>\n<option value=\"Domicili\u00e9\">Domicili\u00e9<\/option>\n<option value=\"Non Domicili\u00e9\">Non Domicili\u00e9<\/option>\n<\/select><\/p>\n<p class=\"type_equipement\"><label for=\"type_equipement\">Type de equipement:<\/label><select id=\"type_equipement\" name=\"type_equipement\">\n<option hidden=\"\" disabled=\"disabled\" selected=\"selected\" value=\"\">Choisissez<\/option>\n<option value=\"Equipements\">Equipements<\/option>\n<option value=\"Mat\u00e9riels roulant\">Mat\u00e9riels roulant<\/option>\n<\/select><\/p>\n<p class=\"periode\"><label for=\"type_equipement\">Periode:<\/label><select id=\"periode\" name=\"periode\">\n<option hidden=\"\" disabled=\"disabled\" selected=\"selected\" value=\"\">Choisissez<\/option>\n<option value=\"Moyen terme\">Moyen terme (MT)<\/option>\n<option value=\"Long terme\">Long terme (LT)<\/option>\n<\/select><\/p>\n<p class=\"categorie_client\"><label for=\"categorie_client\">Cat\u00e9gorie de projet:<\/label><select id=\"categorie_client\" name=\"categorie_client\">\n<option hidden=\"\" disabled=\"disabled\" selected=\"selected\" value=\"\">Choisissez<\/option>\n<option value=\"Projets extension\">Projet d&rsquo;extension d&rsquo;entreprise et commer\u00e7ants<\/option>\n<option value=\"Projets de creation\">Projets de cr\u00e9ation des entreprises et commer\u00e7ants<\/option>\n<option value=\"Professions liberales\">Professions lib\u00e9rales<\/option>\n<\/select><\/p>\n<p class=\"critere_projet\"><label for=\"critere_projet\">Crit\u00e8res du projet:<\/label><select id=\"critere_projet\" name=\"critere_projet\">\n<option hidden=\"\" disabled=\"disabled\" selected=\"selected\" value=\"\">Choisissez<\/option>\n<option value=\"Tous projets\">Extension, am\u00e9nagement, r\u00e9fection &#8230; (logement, locaux commerciaux et professionnels)<\/option>\n<option value=\"Les besoins propres du promoteur\">Les besoins propres du promoteur<\/option>\n<\/select><\/p>\n<p><label for=\"type_finan\">Type de financement:<\/label><select id=\"type_finan\" name=\"type_finan\">\n<option hidden=\"\" disabled=\"disabled\" selected=\"selected\" value=\"\">Choisissez<\/option>\n<option value=\"Mourabaha Auto\">Mourabaha Auto<\/option>\n<option value=\"Mourabaha Equipement\">Mourabaha \u00c9quipement (s)<\/option>\n<option value=\"Mourabaha Immobilier\">Mourabaha Immobilier<\/option>\n<option value=\"Istisna\">Istisna\u2019a \u00ab DARI \u00bb<\/option>\n<option value=\"Ijara\">Ijara Akaria mountahia bi tamlik<\/option>\n<option value=\"Ijara-equipement\">Ijara Equipements<\/option>\n<option value=\"Mourabaha Investissement\">Mourabaha Investissement<\/option>\n<option value=\"Mourabaha Exploitation\">Mourabaha Exploitation<\/option>\n<option value=\"Essabil\">Essabil<\/option>\n<\/select><\/p>\n<p class=\"type_projet\"><label for=\"type_projet\">Type de projet:<\/label><select id=\"type_projet\" name=\"type_projet\">\n<option hidden=\"\" disabled=\"disabled\" selected=\"selected\" value=\"\">Choisissez<\/option>\n<option value=\"construction\">Construction<\/option>\n<option value=\"extension\">les projets d\u2019extension<\/option>\n<option value=\"travaux amenagement\">les travaux d\u2019am\u00e9nagement<\/option>\n<\/select><\/p>\n<p class=\"date_de_naissance_group\"><label for=\"date_de_naissance\">Date de naissance:<\/label><br \/><input id=\"date_de_naissance\" class=\"\" type=\"date\" \/><\/p>\n<\/div>\n<div class=\"my_col second_col\">\n<p class=\"duree_group\"><label for=\"duree\">Dur\u00e9e (mois):<\/label><br \/><input id=\"duree\" class=\"\" type=\"text\" \/><\/p>\n<p class=\"salaire_group\"><label for=\"salaire\">Revenu:<\/label><br \/><input id=\"salaire\" class=\"\" type=\"text\" \/><\/p>\n<p class=\"montant_du_bien_group\"><label for=\"mont_bien\">Co\u00fbt du bien:<\/label><br \/><input id=\"mont_bien\" class=\"\" type=\"text\" \/><\/p>\n<p class=\"hamich_group\" style=\"display: none;\"><label for=\"hamich\">Hamich al jiddiya:<\/label><br \/><input id=\"hamich\" class=\"\" type=\"text\" \/><\/p>\n<p class=\"hamich_req_group\"><label for=\"tva\">Hamich Al Jiddia requis:<\/label><br \/><input id=\"hamich_req\" class=\"\" style=\"background: #ff5252;\" type=\"text\" \/><\/p>\n<div style=\"display: none !important;\">\n<p class=\"taux_apport_group\"><label for=\"taux_apport\">Taux de Hamich al jiddiya :<\/label><br \/><input id=\"taux_apport\" class=\"disabled\" type=\"text\" \/><\/p>\n<p class=\"mont_a_finan_group\" style=\"display: none;\"><label for=\"mont_a_finan\">Montant \u00e0 financer:<\/label><br \/><input id=\"mont_a_finan\" class=\"\" type=\"text\" \/><\/p>\n<p class=\"taux_marche\" style=\"display: none !important;\"><label for=\"taux_marche\">Taux de marge:<\/label><br \/><input id=\"taux_marche\" class=\"disabled\" type=\"text\" value=\"\" \/><\/p>\n<\/div>\n<p><button class=\"btn btn-primary calculer\">Lancer la simulation<\/button><br \/><button class=\"btn btn-primary clear_data\">Vider les champs<\/button><\/p>\n<\/div>\n<\/div>\n<div id=\"results_sim\" class=\"results\">\n<h3>R\u00e9sultat de la simulation<\/h3>\n<div class=\"my_col first_col\">\n<p class=\"fin_max_group\"><label for=\"fin_max\">Financement maximal:<\/label><br \/><input id=\"fin_max\" class=\"disabled\" style=\"background: #ff5252;\" type=\"text\" \/><\/p>\n<p><label for=\"marge\">Marge:<\/label><br \/><input id=\"marge\" class=\"disabled\" type=\"text\" \/><\/p>\n<p class=\"tva_group\"><label for=\"tva\">Montant de la TVA:<\/label><br \/><input id=\"tva\" class=\"disabled\" type=\"text\" \/><\/p>\n<p><label for=\"total_remb_ttc\">Total \u00e0 rembourser TTC:<\/label><br \/><input id=\"total_remb_ttc\" class=\"disabled\" type=\"text\" \/><\/p>\n<p class=\"cap_remb_group\"><label for=\"cap_remb\">Cap remb:<\/label><br \/><input id=\"cap_remb\" class=\"disabled\" type=\"text\" \/><\/p>\n<p><label for=\"mensualite\">Mensualit\u00e9:<\/label><br \/><input id=\"mensualite\" class=\"disabled\" type=\"text\" \/><input id=\"lang\" name=\"lang\" type=\"hidden\" value=\"fr\" \/><\/p>\n<p class=\"assurance_group\">La souscription d\u2019une police assurance est exig\u00e9e pour ce type de financement<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><p id=\"resultat-message\" style=\"display:none;\">Ceci n&rsquo;est qu&rsquo;une simulation et ne peut \u00eatre consid\u00e9r\u00e9e comme un accord de financement.\nLes param\u00e8tres de calcul peuvent \u00eatre revus entre le moment de la simulation et celui de la\nformalisation du dossier de financement.<\/p><\/p>\n\n\n\n<p class=\"resultat-message\"> Ceci n&rsquo;est qu&rsquo;une simulation et ne peut \u00eatre consid\u00e9r\u00e9e comme un accord de financement.Les param\u00e8tres de calcul peuvent \u00eatre revus entre le moment de la simulation et celui de la formalisation du dossier de financement.<\/p>\n<p class=\"Detailcalcule\"><\/p>\n\n\n\n<p><strong>D\u00e9p\u00f4t de garantie (Hamich el jiddiya)<\/strong><br>Est un montant que la banque exige \u00e0 son client, qui repr\u00e9sente un gage de s\u00e9rieux de sa part<br>Apr\u00e8s conclusion du contrat de financement islamique, hamich el jiddiya sera d\u00e9duit du prix de vente.<\/p>\n\n\n\n<p><strong>La marge b\u00e9n\u00e9ficiaire<\/strong><br>Elle repr\u00e9sente le profit que la banque compte r\u00e9aliser en cas de concr\u00e9tisation d\u2019une op\u00e9ration de financement donn\u00e9e.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Informations &#8211; donn\u00e9es de simulation 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