What is real estate leasing ?

Société de Refinancement Hypothécaire (Mortgage Refinancing Company) (SRH) is a financial institution approved by Bank of Algeria and authorised by the Currency and Credit Council to carry out property leasing transactions (property finance leases).

Real estate leasing is intended for those who wish to invest directly in real estate (existing or future buildings) for industrial, professional, or commercial use, accompanied by a promise to sell. It is considered an effective financing solution dedicated entirely to real estate assets. Real estate leasing aims to:

Real estate leasing is a product suited to the current and future financing needs of economic operations

Advantages of Property Leasing

Full financing (100%) of investments where traditional credit requires an initial deposit

Preserved cash flow

By offering total financing of the investment, property leasing preserves the company’s cash flow, allowing it to retain its equity to finance its operating needs.

Attractive tax treatment

The legislator has provided real estate leasing with an appropriate tax regime: deductibility of expenses, possibility of accelerated depreciation, exemption from registration fees for properties financed by lease-back type real estate leasing.

Great flexibility

Real estate leasing is distinguished by its flexibility in the drafting of the lease agreement. Thanks to customised scales, it allows financing to be tailored to the characteristics of the company’s professional activities (land, acquisition costs, construction, roads and utilities, fees, construction insurance, VAT, etc.).

A quick response

As the Company specialises in real estate financing, responses to financing requests are provided quickly.

Real estate leasing mechanisms

Built Property: (with title deed or certificate of conformity)

The client selects the property and leads negotiations with the seller;
The company reviews the client's proposal;
The company completes the transaction with the seller based on the client's proposal;
The seller delivers the property to the client;
The client begins paying the lease installments to the company.

Save Time on Your Applications

The Identification Sheet is an essential document for the compilation of your leasing application.