Mortgage Rates in Tunisia 2026: Banks, Conditions and Comparison
Fixed mortgage rates range from 10% to 11.5% in Tunisia in 2026. Compare the top banks, eligibility requirements, and special pathways for non-residents and Tunisian diaspora.
Mortgage Rates in Tunisia 2026: Banks, Conditions and Comparison
Most Tunisian property purchases rely on bank financing. In 2026, fixed mortgage rates range from 10% to 11.5% per year, anchored to the Central Bank of Tunisia (BCT) benchmark rate of 8% held since late 2024. This guide covers lending conditions, a bank comparison, and the specific pathways available for non-resident buyers and Tunisian diaspora (TRE).
Market Overview 2026
The BCT benchmark rate at 8% drives commercial lending costs. Banks add 2–3.5 percentage points in margin, producing effective mortgage rates of 10–11.5% on 20-year fixed-rate dinar loans. Maximum loan term: 25 years, though conditions tighten beyond 20 years.
Bank Comparison: Mortgage Rates June 2026
| Bank | Fixed Rate (20 yrs) | Min. Down Payment | Max Term |
|---|---|---|---|
| BIAT | 10.0% | 20% | 20 years |
| Attijari Bank | 10.25% | 15% | 25 years |
| STB | 10.5% | 20% | 25 years |
| BH Bank | 10.5% | 10% | 25 years |
| BNA | 10.75% | 20% | 25 years |
| UIB | 11.0% | 20% | 20 years |
Indicative rates, Q1 2026 commercial offers. Rates vary by applicant profile.
Eligibility Requirements
Debt-to-income ratio: Maximum 40% of net monthly income. A 1,000 TND monthly payment requires at least 2,500 TND net monthly income.
Title deed (TF) required: The financed property must carry a registered titre foncier. Properties with pending registration can sometimes be financed under stricter conditions.
Down payment: Minimum 20% of purchase price (plus notary and registration fees, which are separate).
Loan Simulation
350,000 TND property — 280,000 TND loan at 10.25% / 20 years:
- Monthly payment: ~2,740 TND
- Minimum net income required: ~6,850 TND/month
180,000 TND property — 144,000 TND loan at 10.5% / 25 years:
- Monthly payment: ~1,370 TND
- Minimum net income required: ~3,425 TND/month
Diaspora and Non-Resident Pathways
Foreign Currency Mortgage (CPF)
The most tax-efficient route for Tunisian non-residents:
- Purchase financed entirely in foreign currency (EUR, USD, GBP).
- Registration duty reduced to 1% instead of 5%.
- Proceeds fully repatriable at resale.
- Available for new developments from accredited developers.
Standard Dinar Mortgage for TRE
BH Bank, STB, and BIAT operate dedicated TRE desks:
- Foreign payslips accepted (translation + apostille may be required).
- Debt ratio calculated on foreign income at BCT exchange rate.
- Requires a TND current account in Tunisia.
FAQ
Can non-Tunisian foreigners get a mortgage? Rarely. Banks are restrictive for non-residents with no Tunisian income. Cash purchase or home-country financing is standard for foreign buyers.
Is mortgage interest tax-deductible? Interest can be offset against rental income within legal limits. Mandatory death/disability insurance (ADI) costs 0.3–0.6% of borrowed capital per year.
Updated: May 2026. Sources: BCT benchmark rate, bank commercial rates Q1 2026, INS inflation data 2025.