Get the right financing on the best terms
Banking Assistance
We can tailor a financing plan to suit your repayment capacity and at the most advantageous rates.
When examining your credit file, the bank will first look at the following criteria:
- Debt ratio : Tunisian banks recommend a debt-to-income ratio of 40%.
- Residual repayment capacity : It's the load jump which materializes the capacity to support an increase in expenses related to the contracting of a credit and the "reste à vivre" which is the sum of money which must remain after the payment of the fixed charges.
- Personal contribution : When negotiating loans, banks require self-financing of between 20% and 30% of the cost of the property to be purchased.
This service is for you if...
You wish to negotiating a bank loan in Tunisia with confidence
You want to maximize your chances of acceptance by presenting an optimized file
You are looking for of the best available rates on the market
You need a professional support to understand and meet banking requirements
Frequently asked questions (FAQ)
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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.
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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)
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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.
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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.
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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.
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