Find the ideal property, without stress or wasted time.
Property prospecting
Still haven't found the home or property that's right for you? Thanks to our network of approved real estate promoters and our in-depth knowledge of the Tunisian marketWe'll help you find the ideal property to suit your criteria, budget and timeframe.
We select projects for you completed or in progress, from reliable, carefully selected real estate agencies. Our aim: to save you time, secure your purchase, and bring you closer to the best opportunities on the market.
Our presence at international trade fairs, such as the Salon Tunisien de l'Immobilier in Paris, enables us to offer you a wide range of services. an up-to-date, diversified vision of available offers, even remotely
This service is for you if...
- Are you looking for a property in Tunisia (personal housing, rental investment, business premises)?
- If you're abroad and want to centralize your search remotely
- If you are unfamiliar with the local market or would like advice on the best projects available
- You want to save time and secure your purchase
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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