For real estate loans, there are two rates: fixed and variable, depending on the repayment period. If the term is over 15 years, the rate is fixed: it remains unchanged throughout the repayment period. If the repayment period is less than or equal to 15 years, the rate is variable: it depends on changes in MMR, and the monthly payment may be revised upwards or downwards. Tunisian credit rates are calculated on the basis of MMR (Monetary Market Rate), to which a margin is added. The MMR in Tunisia is administered by the BCT (Central Bank of Tunisia) and set at the beginning of each month. The margin, which represents the bank's profit, must generally not exceed 5%, and is limited by the T E G (Taux Effectif Global) provided by the BCT at the beginning of each half-year, which gives the total cost of the loan. Translated with www.DeepL.com/Translator (free version)

The debt ratio corresponds to your ability to repay the credit you have taken out, i.e. the proportion of your income that you can devote to monthly payments. In Tunisia, repayment capacity must not exceed 40% of gross monthly income.

In Tunisia, the borrower must not exceed 70 years of age, not at the time of obtaining the loan, but at the end of the loan term (and this depends on the bank), so other banks follow the maximum age for insurance coverage.

Yes, the assistance of an advisor is subject to a fee and includes two types of fees: a fixed study commission of €100 incl. VAT, payable once the administrative and financial file has been received in full, and a variable assistance commission of between 1.5% and 2.5% of the credit amount, depending on the complexity of the file, invoiced only once bank approval has been obtained.