Secure your investment with comprehensive protection
Insurance & Legal Support
We assist you with the credit insurance contract and with the study and legal opinion of the property to be purchased.
Once an agreement in principle has been reached , this is not the final phase, It depends on other organizations, such as credit insurance and the registration of the mortgage in favor of the bank. For the mortgage of the property in favor of the bank, you must wait until registration with the CPF (Conservation de la Propriété Foncière).
On the other hand, insurance protects you as a borrower, since you can choose between the insurance offered by the bank (you have to fill in a health questionnaire and undergo additional tests) or an external insurer.
You need to arrange the necessary funds to pay the various charges:
- Loan contract registration fees
- CPF registration fees
- Insurance premium if external insurer
This service is for you if...
You wish to secure your purchase on both legal and administrative plans
You want to be adviced on the best credit insurance option
You're abroad and need a reliable intermediary to manage legal formalities
You are looking for avoid administrative errors that could delay your project
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