Find the credit that fits your needs, with complete peace of mind.
Consulting & Solution Implementation
Are you planning to buy real estate, invest in a business or acquire property in Tunisia? Our mission is to accompany you from A to Z to bring your project to fruition, thanks to a comprehensive range of services. customized consulting and an efficient implementation of your credit application.
Our advisors can help you build a solid, personalized application, taking into account your financial, professional and personal situation. We guide you towards the best offers on the market, with complete impartiality.
You benefit of human and strategic supportto optimize your chances of obtaining credit at the best rate and under the best conditions.
This service is for you if...
- You live abroad and want to invest in Tunisia.
- You need professional and human support to put together your credit application.
- You want to optimize your borrowing profile to maximize your chances of obtaining a loan.
- You want to compare the best banking offers available without wasting time.
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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