{"id":134,"date":"2020-12-31T02:24:50","date_gmt":"2020-12-31T02:24:50","guid":{"rendered":"https:\/\/webdevcode.com\/wp\/pylon\/live\/?post_type=pylon_service&#038;p=134"},"modified":"2025-07-07T13:45:30","modified_gmt":"2025-07-07T13:45:30","slug":"conseil-et-mise-en-oeuvre-des-solutions","status":"publish","type":"pylon_service","link":"https:\/\/guidanceaxis.com\/en\/service\/conseil-et-mise-en-oeuvre-des-solutions\/","title":{"rendered":"Consulting &amp; Solution Implementation"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"134\" class=\"elementor elementor-134\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-871cd05 pylon-column-stretched-none elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"871cd05\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-424aeec\" data-id=\"424aeec\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9e9ffab elementor-widget elementor-widget-wp-widget-nav_menu\" data-id=\"9e9ffab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"wp-widget-nav_menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5>Our Services<\/h5><div class=\"menu-service-menu-container\"><ul id=\"menu-service-menu\" class=\"menu\"><li id=\"menu-item-152\" class=\"menu-item menu-item-type-post_type menu-item-object-pylon_service menu-item-152\"><a href=\"https:\/\/guidanceaxis.com\/en\/service\/conseil-et-mise-en-oeuvre-des-solutions\/\">Consulting &amp; Solution Implementation<\/a><\/li>\n<li id=\"menu-item-156\" class=\"menu-item menu-item-type-post_type menu-item-object-pylon_service menu-item-156\"><a href=\"https:\/\/guidanceaxis.com\/en\/service\/prospection-des-biens-immobiliers\/\">Property prospecting<\/a><\/li>\n<li id=\"menu-item-155\" class=\"menu-item menu-item-type-post_type menu-item-object-pylon_service menu-item-155\"><a href=\"https:\/\/guidanceaxis.com\/en\/service\/assistance-bancaire\/\">Banking <br\/>Assistance<\/a><\/li>\n<li id=\"menu-item-151\" class=\"menu-item menu-item-type-post_type menu-item-object-pylon_service menu-item-151\"><a href=\"https:\/\/guidanceaxis.com\/en\/service\/planification-et-realisation\/\">Planning &amp; realization<\/a><\/li>\n<li id=\"menu-item-154\" class=\"menu-item menu-item-type-post_type menu-item-object-pylon_service menu-item-154\"><a href=\"https:\/\/guidanceaxis.com\/en\/service\/assurance-et-support-juridique\/\">Insurance &amp; Legal Support<\/a><\/li>\n<li id=\"menu-item-153\" class=\"menu-item menu-item-type-post_type menu-item-object-pylon_service menu-item-153\"><a href=\"https:\/\/guidanceaxis.com\/en\/service\/accompagnement-durant-la-financement\/\">Support during financing<\/a><\/li>\n<\/ul><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5151331 elementor-widget elementor-widget-pylon_banner\" data-id=\"5151331\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pylon_banner.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"service-sidebar__call\">\r\n            <a href=\"tel:0033%207%2074\u00a089\u00a080\u00a091\"  target=\"&quot;_blank&quot;\"  rel=\"&quot;nofollow&quot;\">                <div class=\"service-sidebar__call-bg\" style=\"background-image: url(https:\/\/webdevcode.com\/wp\/pylon\/live\/wp-content\/uploads\/2020\/12\/service-sidebar-1-1.jpg)\"><\/div>\r\n               <div class=\"banner-icon\">\r\n                <i class=\"pylon-icon-tech-support\"><\/i>\r\n               <\/div>\r\n                <h3>0033 7 74\u00a089\u00a080\u00a091<\/h3>\r\n                <p>You can reach us on WhatsApp on the same number.<\/p>\r\n            <\/a>        <\/div>\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0ef272 elementor-widget elementor-widget-pylon_cta\" data-id=\"e0ef272\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pylon_cta.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"call-to-action\">\r\n            <div class=\"container\">\r\n                <div class=\"left-content\">\r\n                    <div class=\"call-to-action-list\"><p><span>Simple<\/span><span>Transparent<\/span><span>Secure<\/span><\/p><\/div><h3 class=\"pylon-cta-title\">Get Credit Fast<\/h3>                <\/div>\r\n                <div class=\"right-content\">\r\n                                        <a href=\"https:\/\/guidanceaxis.com\/en\/postuler-maintenant\/\" class=\"thm-btn\">Request assistance                    <\/a>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-fe80706\" data-id=\"fe80706\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a093661 elementor-widget elementor-widget-image\" data-id=\"a093661\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"770\" height=\"460\" src=\"https:\/\/guidanceaxis.com\/wp-content\/uploads\/2020\/12\/service-six.jpg\" class=\"attachment-full size-full wp-image-81\" alt=\"\" srcset=\"https:\/\/guidanceaxis.com\/wp-content\/uploads\/2020\/12\/service-six.jpg 770w, https:\/\/guidanceaxis.com\/wp-content\/uploads\/2020\/12\/service-six-600x358.jpg 600w, https:\/\/guidanceaxis.com\/wp-content\/uploads\/2020\/12\/service-six-300x179.jpg 300w, https:\/\/guidanceaxis.com\/wp-content\/uploads\/2020\/12\/service-six-768x459.jpg 768w\" sizes=\"(max-width: 770px) 100vw, 770px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63916e7 elementor-widget elementor-widget-pylon_title\" data-id=\"63916e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pylon_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \r\n        <div class=\"pylon-title\">\r\n            <div class=\"block-title\">\r\n                <p class=\"small-title\">Find the credit that fits your needs, with complete peace of mind.<\/p>\r\n                    <h3 class=\"title-block\">Consulting &amp; Solution Implementation<\/h3>\r\n                                <\/div>\r\n                                <\/div>\r\n              \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9bc89eb elementor-widget elementor-widget-text-editor\" data-id=\"9bc89eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"348\" data-end=\"631\">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. <strong data-start=\"547\" data-end=\"569\">customized consulting<\/strong> and an <strong data-start=\"577\" data-end=\"603\">efficient implementation<\/strong> of your credit application.<\/p><p class=\"\" data-start=\"633\" data-end=\"913\">Our advisors can help you <strong data-start=\"663\" data-end=\"707\">build a solid, personalized application<\/strong>, taking into account your financial, professional and personal situation. We guide you towards the best offers on the market, with complete impartiality.<\/p><p class=\"\" data-start=\"915\" data-end=\"1076\">You benefit of <strong data-start=\"936\" data-end=\"976\">human and strategic support<\/strong>to optimize your chances of obtaining credit at the best rate and under the best conditions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5202cf5 pylon-column-stretched-none elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5202cf5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-33c0997\" data-id=\"33c0997\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-53e2cd4 elementor-widget elementor-widget-pylon_title\" data-id=\"53e2cd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pylon_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \r\n        <div class=\"pylon-title\">\r\n            <div class=\"block-title\">\r\n                \r\n                    <h4 class=\"title-block\">This service is for you if...<\/h4>\r\n                                <\/div>\r\n            <ul><li>You live abroad and want to invest in Tunisia.<\/li><li>You need professional and human support to put together your credit application.<\/li><li>You want to optimize your borrowing profile to maximize your chances of obtaining a loan.<\/li><li>You want to compare the best banking offers available without wasting time.<\/li><\/ul>                    <\/div>\r\n              \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-b82df71 elementor-widget elementor-widget-pylon_title\" data-id=\"b82df71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pylon_title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t \r\n        <div class=\"pylon-title\">\r\n            <div class=\"block-title\">\r\n                \r\n                    <h3 class=\"title-block\">Frequently asked questions (FAQ)<\/h3>\r\n                                <\/div>\r\n                                <\/div>\r\n              \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-268d1c8 elementor-widget elementor-widget-pylon_accordion\" data-id=\"268d1c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"pylon_accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n\r\n        <script>\r\n\r\n            jQuery(document).ready(function($) {\r\n\r\n                \"use strict\";\r\n\r\n            $(\"#accordion-355944737 .collapse\").on(\"shown.bs.collapse\", function() {\r\n\r\n                $(this).prev().addClass(\"active\");\r\n\r\n                $(this).prev().parent().addClass(\"active\");\r\n\r\n            });\r\n\r\n        \r\n\r\n            $(\"#accordion-355944737 .collapse\").on(\"hidden.bs.collapse\", function() {\r\n\r\n                $(this).prev().removeClass(\"active\");\r\n\r\n                $(this).prev().parent().removeClass(\"active\");\r\n\r\n            });\r\n\r\n        \r\n\r\n            $(\"#accordion-355944737\").on(\"hide.bs.collapse show.bs.collapse\", (e) => {\r\n\r\n                $(e.target).prev().find(\"i:last-child\").toggleClass(\"fa-plus fa-minus\");\r\n\r\n            });\r\n\r\n        });\r\n\r\n        <\/script>\r\n\r\n        \r\n        <ul id=\"accordion-355944737\" class=\"mb-0 list-unstyled accordion\">\r\n\r\n            \r\n            <li class=\"active\">\r\n\r\n                <h3 class=\"para-title active\">\r\n\r\n                    <span class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-target=\"#collapse1\" aria-expanded=\"false\" aria-controls=\"collapse1\">\r\n\r\n                        <i class=\"fas fa-minus\"><\/i>\r\n                        \r\n\r\n                       1- WHY CHOOSE GUIDANCEAXIS?\r\n                    <\/span>\r\n\r\n                <\/h3>\r\n\r\n                <div id=\"collapse1\" class=\"collapse show\" role=\"button\" aria-labelledby=\"collapse1\" data-parent=\"#accordion-355944737\">\r\n\r\n                    <p>Guidanceaxis helps you find the best possible credit and the most favorable solution for you. \n\nOur 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.\n\nGuidanceaxis saves you time and money.<\/p>\r\n\r\n                <\/div>\r\n\r\n            <\/li>\r\n\r\n            \r\n            <li class=\"\">\r\n\r\n                <h3 class=\"para-title\">\r\n\r\n                    <span class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-target=\"#collapse2\" aria-expanded=\"false\" aria-controls=\"collapse2\">\r\n\r\n                        <i class=\"fas fa-plus\"><\/i>\r\n                        \r\n\r\n                       2- WHAT IS THE CREDIT RATE?\r\n                    <\/span>\r\n\r\n                <\/h3>\r\n\r\n                <div id=\"collapse2\" class=\"collapse\" role=\"button\" aria-labelledby=\"collapse2\" data-parent=\"#accordion-355944737\">\r\n\r\n                    <p>For real estate loans, there are two rates: fixed and variable, depending on the repayment period.\n\nIf the term is over 15 years, the rate is fixed: it remains unchanged throughout the repayment period. \nIf 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.\nTunisian credit rates are calculated on the basis of MMR (Monetary Market Rate), to which a margin is added.\n\nThe MMR in Tunisia is administered by the BCT (Central Bank of Tunisia) and set at the beginning of each month.\nThe 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.\n\nTranslated with www.DeepL.com\/Translator (free version)<\/p>\r\n\r\n                <\/div>\r\n\r\n            <\/li>\r\n\r\n            \r\n            <li class=\"\">\r\n\r\n                <h3 class=\"para-title\">\r\n\r\n                    <span class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-target=\"#collapse3\" aria-expanded=\"false\" aria-controls=\"collapse3\">\r\n\r\n                        <i class=\"fas fa-plus\"><\/i>\r\n                        \r\n\r\n                       3- HOW TO CALCULATE THE DEBT RATIO?\r\n                    <\/span>\r\n\r\n                <\/h3>\r\n\r\n                <div id=\"collapse3\" class=\"collapse\" role=\"button\" aria-labelledby=\"collapse3\" data-parent=\"#accordion-355944737\">\r\n\r\n                    <p>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.\n\nIn Tunisia, repayment capacity must not exceed 40% of gross monthly income.<\/p>\r\n\r\n                <\/div>\r\n\r\n            <\/li>\r\n\r\n            \r\n            <li class=\"\">\r\n\r\n                <h3 class=\"para-title\">\r\n\r\n                    <span class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-target=\"#collapse4\" aria-expanded=\"false\" aria-controls=\"collapse4\">\r\n\r\n                        <i class=\"fas fa-plus\"><\/i>\r\n                        \r\n\r\n                       4- WHAT IS THE AGE LIMIT FOR TAKING OUT A LOAN?\r\n                    <\/span>\r\n\r\n                <\/h3>\r\n\r\n                <div id=\"collapse4\" class=\"collapse\" role=\"button\" aria-labelledby=\"collapse4\" data-parent=\"#accordion-355944737\">\r\n\r\n                    <p>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.<\/p>\r\n\r\n                <\/div>\r\n\r\n            <\/li>\r\n\r\n            \r\n            <li class=\"\">\r\n\r\n                <h3 class=\"para-title\">\r\n\r\n                    <span class=\"collapsed\" role=\"button\" data-toggle=\"collapse\" data-target=\"#collapse5\" aria-expanded=\"false\" aria-controls=\"collapse5\">\r\n\r\n                        <i class=\"fas fa-plus\"><\/i>\r\n                        \r\n\r\n                       5- IS THERE A CHARGE FOR THE ASSISTANCE OF A CREDIT ADVISOR?\r\n                    <\/span>\r\n\r\n                <\/h3>\r\n\r\n                <div id=\"collapse5\" class=\"collapse\" role=\"button\" aria-labelledby=\"collapse5\" data-parent=\"#accordion-355944737\">\r\n\r\n                    <p>Yes, the assistance of an advisor is subject to a fee and includes two types of fees: a fixed study commission of \u20ac100 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.<\/p>\r\n\r\n                <\/div>\r\n\r\n            <\/li>\r\n\r\n            \r\n        <\/ul>\r\n\r\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Whether you need a home, to invest in real estate or in agriculture in Tunisia, we can find solutions for you.<\/p>","protected":false},"author":2,"featured_media":81,"template":"","class_list":["post-134","pylon_service","type-pylon_service","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Conseil et Mise en \u0153uvre des Solutions - 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