A complete guide to getting a mortgage as a Tunisian Abroad (TRE): foreign currency payment scheme, active banks, required documents and debt capacity calculation.

Mortgage for Tunisians Abroad (TRE) in 2026: Banks, Conditions and Full Guide

Tunisians Residing Abroad (TRE) represent an important segment for Tunisian banks: foreign-currency incomes, accumulated savings, and a desire to secure property back home. Getting a mortgage as a TRE is not identical to the standard resident process. This guide covers the key differences, active banks, and real conditions for 2026.

Available Financing Options

1. Standard Dinar Mortgage

Banks lend in Tunisian dinars for Tunisia-based properties. Foreign income is converted at BCT exchange rates for debt-capacity calculations. Interest rates: 9.5–13% annually.

2. Foreign Currency Payment Scheme (CPF) — Most Advantageous

Property financed 100% in foreign currency (EUR, USD, etc.)
Repayments from TRE's foreign currency account
Registration duty rate: 1% of price (vs. 5% standard) — a major fiscal benefit
Encouraged by BCT to attract diaspora investment

Key condition: the 1% duty rate requires the entire purchase price to come from foreign currency transferred through the official banking system. Any mix with local dinars forfeits this benefit.

3. Mixed Financing (foreign currency + dinars)

Partial foreign currency financing (minimum 50%) allows partial duty reduction per BCT regulations.

Active Banks for TRE Mortgages

Bank	TRE Product	Strengths
BH Bank	Crédit Habitat TRE	Mortgage specialist, French offices
BIAT	BIAT Diaspora	International network, digital platform
STB	Crédit TRE	Competitive rates, wide network
Attijari Bank	AttijarExpatrié	Europe partnerships, digital-first
UIB (Société Générale)	UIB Diaspora	Société Générale France support

Required Documents

Valid Tunisian passport + foreign residence permit
3 months payslips (translated if necessary) + employment contract (CDI preferred)
6 months foreign bank statements
Last 2 years tax assessments in country of residence
Signed preliminary sale agreement + land title extract

Debt Capacity Calculation

BCT caps debt service at 35% of net income. A TRE earning €3,500 net/month (BCT rate ~3.4 TND/EUR) = TND 11,900/month → maximum monthly payment: TND 4,165. This supports a TND 300,000–400,000 loan over 20 years at current rates.

Sources: BCT Circular 93-08, BH Bank, BIAT, TRE credit market data 2026.