Tunisia 💰 TND Last updated2026-05-28

Crédit logement Calculator Tunisia

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Quick answer (Tunisia)

Un crédit logement de 250,000 DT à 11.5% sur 20 ans works out to a monthly payment of about 2 666 DT, with total interest of 389 858 DT over the full term.

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Mortgage Calculator

USD

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$3,083

PITI

Principal + Interest

$2,666

61% goes to interest

Total Interest

$389,858

over 20 years

Monthly Breakdown

Principal & Interest$2,666

Property Tax (1.1%/yr)$286

Homeowner's Insurance (0.5%/yr)$130

Total Monthly$3,083

Principal vs Interest Split

39% principal

61% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

Crédit logements in Tunisia

Typical loan

250 000 DT

in Tunisia

Typical rate

11.5% p.a.

prime borrower, 2026

Typical term

20 years

most common

Market overview

Tunisian mortgages are offered by BIAT (the largest private bank), Banque de Tunisie, Attijari Bank Tunisia, BNA (Banque Nationale Agricole), STB (Société Tunisienne de Banque), BH Bank (Banque de l'Habitat — the specialist housing bank), Amen Bank and UIB. BH Bank historically dominates the home-loan book and channels the FOPROLOS social housing fund. The Banque Centrale de Tunisie (BCT) policy rate is 8% in early 2026 after cuts from 8% peak in 2023, and the TMM (taux du marché monétaire) anchors most variable-rate mortgages.

Why 11.5% is the typical rate

11.5% reflects a typical TMM-linked variable mortgage rate for a Tunisian salaried borrower at 80% LTV in early 2026.

Tax & regulatory notes

Stamp duty (droits d'enregistrement) is 5% of value plus 1% for the conservation foncière. Capital gains on real estate are taxed at 10-15% depending on holding period (TVI — taxe sur la plus-value immobilière). FOPROLOS (Fonds de Promotion des Logements pour les Salariés) is funded by a 1% employer payroll levy and finances subsidised mortgages for lower- and middle-income salaried workers, distributed primarily through BH Bank.

🧮 Worked example

Un crédit logement de 250,000 DT à 11.5% sur 20 ans

Loan amount

250 000 DT

Annual interest rate

11.5%

Term

20 years (240 months)

Monthly payment

2 666 DT

Total interest paid

389 858 DT

Total paid (principal + interest)

639 858 DT

❓ FAQ (Tunisia)

Common questions in Tunisia.

Qu'est-ce que le FOPROLOS et comment en bénéficier ?

FOPROLOS finances subsidised home loans for salaried Tunisians earning below defined ceilings (FOPROLOS 1, 2 and 3 tranches by income band). Loans are distributed through BH Bank at rates well below market — historically around 5-6% fixed — with tenors up to 25 years. Eligibility requires affiliation to CNSS, an income certificate and that the property meets size and price caps set by decree.

Les étrangers peuvent-ils acheter un bien en Tunisie ?

Yes, with restrictions. Non-Tunisians need governorate authorisation (autorisation du gouverneur) to buy non-agricultural property, which is routinely granted for residential purchases in tourist zones and urban areas. Agricultural land is closed to foreign ownership. EU and other foreign buyers commonly purchase via this route and finance through BIAT, Attijari or UIB on TND or in some cases on offshore-funded euro lines.

Crédit à taux fixe ou taux variable (TMM) en Tunisie ?

Most Tunisian mortgages are TMM + spread (typically TMM + 2.5-3.5%), so payments move with the BCT monetary stance. Fixed-rate offers exist but are uncommon and priced above the variable curve. With TMM around 8% in early 2026 versus the 7-8% range a few years earlier, borrowers who locked floating loans in 2020-2021 have seen meaningful payment increases — stress-test affordability against a 200bps move.

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