Mortgage Rates in Tunisia 2026: BH Bank, STB & BIAT Comparison
Mortgage rate comparison in Tunisia 2026: BH Bank (8.5-10.5%), STB, BIAT, Attijari. Fixed vs variable, payment simulation, and tips for TRE borrowers.
Mortgage Rates in Tunisia 2026: BH Bank, STB & BIAT Comparison
Comparing mortgage rates before committing to a bank is essential in Tunisia. Conditions vary by institution, borrower profile, loan term, and property type. Here's a guide to indicative rates in May 2026 and the factors that shape your offer.
Fixed vs Variable Rates
- Fixed rate: set contractually, unchanged throughout the loan term. Predictable repayments; generally higher at origination.
- Variable rate: indexed to BCT's TMM (monthly money market rate). Final rate = TMM + bank margin. Any BCT monetary tightening flows through to variable-rate borrowers.
BCT's current TMM: see the monthly bulletin at bct.gov.tn.
Indicative Rates by Bank (May 2026)
These ranges are editorial estimates based on published bank conditions and recent borrower experience. Each application is assessed individually.
| Bank | Fixed Rate | Variable (TMM +) | Max Term | Max LTV |
|---|---|---|---|---|
| BH Bank | 8.5–10.5% | TMM + 3–4% | 25 yrs | 80% |
| STB | 8.5–11% | TMM + 3.5–4.5% | 20 yrs | 75% |
| BIAT | 9–11.5% | TMM + 4–5% | 20 yrs | 80% |
| Attijari Bank | 8.5–11% | TMM + 3–5% | 20 yrs | 75% |
| UIB | 9–11.5% | TMM + 4–5% | 20 yrs | 80% |
| Zitouna Tamwil | 9.5–12%* | — (Ijara) | 20 yrs | 75% |
Zitouna offers Sharia-compliant financing (Ijara); the figure is the equivalent return rate.
Always request a written amortization table before committing.
Factors That Affect Your Rate
- Borrower profile: civil servants and permanent employees get better rates. Self-employed need 3 years of audited accounts.
- Down payment: the higher your equity (above 30%), the stronger your file.
- Salary domiciliation: 0.25–0.5 point rate discount at many banks.
- Property type: TF-registered properties and licensed developer projects are financed more favorably.
Indicative Simulation — 200,000 DT over 20 years
| Rate | Monthly Payment | Total Credit Cost |
|---|---|---|
| 8.5% | ≈ 1,740 DT/mo | ≈ 217,600 DT |
| 9.5% | ≈ 1,860 DT/mo | ≈ 246,400 DT |
| 10.5% | ≈ 1,990 DT/mo | ≈ 277,600 DT |
Indicative, fixed rate, excluding fees and insurance.
Rates for TRE
TRE can take Tunisian bank mortgages repayable from overseas income. Conditions:
- Overseas income documentation (pay slips, contract, bank statements).
- Rates similar to local market, sometimes slightly higher.
- Terms often capped at 15–20 years depending on age.
- BIAT, Attijari, and UIB have dedicated TRE desks.
Editorial team: TunisiaPromo. Last updated: May 2026. Sources: BH Bank, STB, BIAT (published conditions), BCT (bct.gov.tn).
Tags