Complete guide to Tunisia's AFH Premier Logement program 2026: eligibility, 220,000 DT cap, partner banks (BH Bank, BIAT, STB), financing structure, and monthly payment simulation.

Tunisia's Premier Logement Program 2026: Conditions, Banks & Simulation

The Premier Logement program run by the AFH (Agence Foncière d'Habitation) is Tunisia's main public scheme for first-time homebuyers. By combining a standard bank loan with a subsidized AFH contribution, it can cover up to 100% of the purchase price — removing the need for a large personal down payment. Here is exactly how the program works in 2026.

What Is Premier Logement?

Administered by the AFH under the Ministry of Housing, this program pairs a conventional bank mortgage with a supplementary subsidized loan from the AFH itself. It targets employed workers (public and private sector) and self-employed individuals who can document their income.

Eligibility Conditions 2026

Buyer Criteria

First-time buyer: must not have owned a home in the 5 years before applying.
Primary residence: the purchased property must become the buyer's main home.
Income ceiling: thresholds are set annually; check afh.gov.tn for current limits.

Property Criteria

Price cap: 220,000 DT (indicative ceiling in force May 2026 — source: AFH circular 2024/2025).
New or existing: both eligible, provided the property is in decent condition.
Registered land (titre foncier): required for the bank to register the mortgage.
Residential use only: no rental properties, offices, or commercial premises.

Financing Structure

1. Bank Mortgage (60–80% of price)

From a partner bank (BH Bank, STB, BIAT, Attijari Bank, UIB, Zitouna Tamwil). BH Bank is the most active lender in this segment.

2. AFH Supplementary Loan (up to 40% of price)

Subsidized rate, repayable over 20–25 years. Conditional on bank approval.

Sample Financing (180,000 DT property)

Component	Amount
Bank mortgage (75%)	135,000 DT
AFH loan (25%)	45,000 DT
Personal contribution	0 DT (if fully validated)

Monthly Payment Simulation

For a 180,000 DT property over 20 years:

Scenario	Approx. Rate	Estimated Monthly
Bank-only, 9%	0.75%/month	≈ 1,600 DT
AFH + bank blended (≈ 7%)	0.58%/month	≈ 1,400 DT

Indicative estimates only. Actual payments depend on rates at signing.

Application Process

Gather documents: ID, income proof (last 3 pay slips or financial statements), rental status declaration, sale agreement for target property.
File at an AFH regional office or online at afh.gov.tn.
Bank and AFH process the application in parallel.
On dual approval: sign loan agreements, then the notarized sale deed.

Average processing time: 2–4 months.

FAQ

Can TRE apply for Premier Logement? The program is designed for Tunisia-based residents with local income. TRE with overseas income don't typically qualify — but dedicated TRE mortgage products exist at BIAT and Attijari Bank.

Is the 220,000 DT cap inclusive of VAT? Yes, for new-build purchases.

Editorial team: TunisiaPromo. Last updated: May 2026. Sources: AFH (afh.gov.tn), BCT, Finance Act 2026, BH Bank.