Ongoing support, even after funds have been released
Support during financing
Our mission does not end with the signing of the contract or the release of credit. Throughout the repayment period, we remain at your side to help you help you manage and develop your credit.
Whether it's a rescheduling, an early repayment, or a status change, our expertise to help you make the best decisions, easily.
Our advisors are also at your disposal to assist you with the administrative procedures involved in theamortization, to contractual amendments, or the discharge of mortgage.
This service is for you if...
You wish to adjust your reimbursements to your new financial situation
You are planning to repay all or part of your loan
You need a support for interpreting or renegotiating your amortization schedule
Looking for a reliable long-term help, long after the credit facility had been set up
Frequently asked questions (FAQ)
-
1- WHY CHOOSE GUIDANCEAXIS?
Guidanceaxis helps you find the best possible credit and the most favorable solution for you. Our role is to advise you in obtaining the best credit offer for your profile and your project, because we have expertise in the field of credit for individuals and professionals. Guidanceaxis saves you time and money.
-
2- WHAT IS THE CREDIT RATE?
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)
-
3- HOW TO CALCULATE THE DEBT RATIO?
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.
-
4- WHAT IS THE AGE LIMIT FOR TAKING OUT A LOAN?
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.
-
5- IS THERE A CHARGE FOR THE ASSISTANCE OF A CREDIT ADVISOR?
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.
EN 
FR