Loans

1- Consumer Loans

1.1 CREDIT PERSO

Crédit PERSO is a consumer loan granted to customers to satisfy their current needs.

Crédit PERSO is used to finance current expenditures such as the purchase of furniture, household appliances, tuition, travel, wedding expenditures.

Amount:

Minimum amount: 2,500 TND.
Maximum amount: 40,000 TND.

Term:

Minimum: 6 months.
Maximum: 36 months (3 years).

Eligibility:
Any resident Tunisian person with a fixed income according to Bank ABC standards.

Benefits:

You benefit from an amount that can reach 40 000 TND, without real guarantees.
The study of your application does not require the opening of an account.
The turnaround time shall not exceed 48 hours on average.
You can benefit from very competitive rates in terms of rates and fees.
Funds will be immediately disbursed as soon as you complete the loan-related formalities.

Loan Repurchase:

This product also allows the purchase of any type of internal or external loans including social loans.

1.2 CREDIT TAJDEED

CREDIT TAJDEED is a consumer loan dedicated to the financing of extension or improvement works of the client's property reaching 80% of the total amount of the submitted quote.

Amount:

Minimum amount: 2,500 TND .
Maximum amount: 50,000 TND. (Amounts above 40 000 TND are allowed for monthly income above 2500 TND only for private sector employees and professionals).

Term:

Minimum: 6 months.
Maximum: 60 months (5 years).

Eligibility:
Any resident Tunisian person with a fixed income according to Bank ABC standards.

Benefits:

You benefit from an amount that can reach 50 000 TND, without real guarantee.
The study of your application does not require the opening of an account.
The turnaround time shall not exceed 48 hours on average.
You can benefit from very competitive rates in terms of rates and fees.
Funds will be immediately disbursed as soon as you complete the loan-related formalities.

Loan Repurchase:

This product also allows the purchase of any type of internal or external loans including social loans.

1.3 CREDIT AUTO

CREDIT AUTO is a consumer loan intended for the purchase of a new or used vehicle for private use.

Amount:

Minimum amount: 5000 TND.
Maximum amount (new vehicle): 100 000 TND.
Maximum amount (used vehicle): 50 000 TND.

Term:

Minimum: 1 year.
Maximum: 7 years.
For a used vehicle: the car age and the loan term, aggregated, shall not exceed 7 years.

Self-financing:

20% for a 4 HP (horsepower) vehicle.
40% for a 5 HP to 8 HP vehicle.
70% for a 9 HP or more vehicle.

Benefits:

You benefit from a comfortable repayment period.
The study of your application does not require the opening of an account.
The turnaround time shall not exceed 48 hours on average.
You can benefit from very competitive rates in terms of rates and fees.
Funds will be immediately disbursed as soon as you complete the loan-related formalities.

Specific Rules:

For used cars:

Chinese cars shall not be financed.
A vehicle expertise report done by an authorized Bank ABC expert is required.
The age of the car must not exceed 6 years and must be checked through the date of entry into service mentioned in the registration card.

2- Mortgage Loans

2.1 CREDIT IMMO

The Credit IMMO is a mortgage loan that offers clients funds repayable over a period of 15 years for the purchase of real estate property with a property title registered at the Land Property Registry (CPF).

Amount:

Minimum Amount: 30 000 TND.
Maximum Amount: 750 000 TND.

Term:

Minimum: 3 years.
Maximum: 15 years.

Eligibility:
Any resident Tunisian person with a fixed income according to Bank ABC standards.

Benefits:

You can benefit from an amount, which could reach 80% of the cost of your project, that is adapted to your repayment capacity.
You have the opportunity to benefit from this loan jointly with your parent, child or spouse and hence be able to borrow a larger amount.
The turnaround time shall not exceed 48 hours on average.
You can benefit from very competitive rates in terms of rates and fees.
Funds will be immediately disbursed as soon as you complete the loan-related formalities.

Loan Repurchase:

Possibility of repurchase of mortgage loans granted by other banks.

Restriction:

Property built on land for agricultural use shall not be financed.
Arab property titles are not allowed.

2.2 CREDIT PROPRI-IMMO

The CREDIT PROPRI-IMMO is a mortgage loan enabling the customer to finance the purchase of an apartment from a property developer without the obligation of extracting an individual property title.

Amount:

Minimum Amount: 30 000 TND.
Maximum Amount: 400 000 TND.

Term:

Minimum term: 1 year.
Maximum term: 15 years.

Eligibility:
Any resident Tunisian person with a fixed income according to Bank ABC standards.

Benefits:

You can benefit from an amount, which could reach 80% of the cost of your project, that is adapted to your repayment capacity.
You have the opportunity to benefit from this loan jointly with your parent, child or spouse and hence be able to borrow a larger amount.
The turnaround time shall not exceed 48 hours on average.
You can benefit from very competitive rates in terms of rates and fees.
Funds will be immediately disbursed as soon as you complete the loan-related formalities.

Restriction:

Property built on land for agricultural use shall not be financed.

2.3 CREDIT IMMO-TRE

The Credit IMMO-TRE is intended to provide Tunisian Residents Abroad with funds to:

Finance the purshase of a villa, an apartment or a parcel of land for residential use from a private individual or a property developer.
The repurchase of mortgage loans from other banks provided that the property, subject of the mortgage, is for residential use.

Amount:

Minimum Amount: 20 000 TND.
Maximum Amount: 750 000 TND.

Term:

Minimum term: 1 year.
Maximum term: 15 years.

Eligibility:
Any Tunisian person residing abroad having a stable income according to the standards of Bank ABC.

Benefits:

You can benefit from an amount, which could reach 80% of the cost of your project, that is adapted to your repayment capacity.
You have the opportunity to benefit from this loan jointly with your parent, child or spouse and hence being able to borrow a larger amount.
The turnaround time shall not exceed 48 hours on average.
You can benefit from very competitive rates in terms of rates and fees.
Funds will be immediately disbursed as soon as you complete the loan-related formalities.

Loan Repurchase:

Possibility of repurchase of mortgage loans from other banks.
No repurchase of internal loans.

Restriction:

Property built on land for agricultural use shall not be financed.
Arab property titles are not allowed.

2.4 CREDIT - ARDH

The crédit ARDH is a mortgage loan that provides clients with funds enabling them to:

Purchase a parcel of land in a residential area with a property title registered at the Land Property Registry (CPF) and a mortgage to Bank ABC.
Repurchase of our client’s outstanding loans from another bank previously used for the purchase of a land for residential use. This property shall be mortgaged to Bank ABC.
Repurchase of the seller’s commitments, which are the subject of a mortgage on the land to be sold, and enable the customer to purchase the land and mortgage it to Bank ABC.

Amount:

Minimum Amount: 30 000 TND.
Maximum Amount: 750 000 TND.

Term:

Minimum term: 1 year.
Maximum term: 15 years.

Eligibility:
Any resident Tunisian person with a fixed income according to Bank ABC standards.

Benefits:

You can benefit from an amount, which could reach 80% of the cost of your project, that is adapted to your repayment capacity.
You have the opportunity to benefit from this loan jointly with your parent, child or spouse and hence be able to borrow a larger amount.
The turnaround time shall not exceed 48 hours on average.
You can benefit from very competitive rates in terms of rates and fees.
Funds will be immediately disbursed as soon as you complete the loan-related formalities.

Loan Repurchase:

Possibility of repurchase of mortgage loans from other banks.

Restriction:

Arab property titles and lands for agricultural use shall not be financed.

2.5 CREDIT TAJDEED PLUS

The Crédit TAJDEED PLUS is a mortgage loan enabling clients to benefit from funds repayable over a period of 15 years intended for:

The renovation or extension of their residence (the property to be financed must be for residential and non-commercial use).
Repurchase of outstanding mortgage or non-mortgage customer loans from other banks (External Repurchase) or from Bank ABC Tunisia (Internal Repurchase).
Improvment works financed by the requested TAJDEED PLUS loan must be executed on the same property subject of the mortgage.

Amount:

Minimum Amount: 30 000 TND.
Maximum Amount: 200 000 TND if 1st rank mortgage
100 000 TND if 2nd rank mortgage

Term:

Minimum term: 3 years.
Maximum term: 15 years if 1st rank mortgage.
10 years if 2nd rank mortgage.

Eligibility:
Any resident Tunisian person with a steady income in compliance with Bank ABC standards.

Benefits:

You have the opportunity to finance the improvement or the extension works of your home as well as the repurchase of your loans.
You have the opportunity to benefit from this loan jointly with your parent, child or spouse and hence be able to borrow a larger amount.
The turnaround time shall not exceed 48 hours on average.
You can benefit from very competitive rates in terms of rates and fees.
Funds will be immediately disbursed as soon as you complete the loan-related formalities.

Loan Repurchase:

Possibility of repurchase of mortgage loans from other banks.

Restriction:

Property built on land for agricultural use shall not be financed.
Property for commercial use shall not be financed.
Arab property titles are not allowed.

2.6 CREDIT CONSTRUCTION

CREDIT CONSTRUCTION is a product intended to provide target clients with funds for the construction of their residence whether on a bare land or on an existing construction (incomplete construction or an existing floor).

Amount:

Minimum Amount: 30 000 TND.
Maximum Amount: 500 000 TND.

Term:

Minimum term: 3 years.
Maximum term: 15 years.

Eligibility:
Any Tunisian person.

Benefits:

You can benefit from an amount, which could reach 80% of theCREDIT TAJDEED PLUS cost of your project;
You have the opportunity to benefit from this loan jointly with your parent, son or daughter, or spouse and hence be able to borrow a larger amount;
You have an average response time of 48 h;
You can benefit from very competitive rates;
Funds will be immediately disbursed as soon as you complete the loan-related formalities.

3- Operating and Investment Loans

3.1 CREDOP

CREDOP is a product intended to finance SE banking (Small Enterprises) and professional banking. Loans and Credit granted under CREDOP are used to assist in the financing of operating cycle, to deal with the need related to the supply of raw materials & goods, customer credit, and operating expenses (staff, rent, etc.).

CREDOP is granted to provide one or more of the following facilities:

Overdraft
Bills discounting
Inventory financing
Pre-export financing
MCNE / Advance on invoices
Off Balance Sheet facilities: LCs, Issuing LGs

Amount:

Minimum Amount: 10 000 TND.
Maximum Amount: 500 000 TND.

Eligibility:
Professionals and Small Enterprises , residents

Benefits:

You take advantage of different operating credits adapted to your needs;
You have an average response time of 72 h;
You can benefit from very competitive rates;
Funds will be immediately disbursed as soon as you complete the loan-related formalities.

Loan Repurchase:

Possibility to repurchase similar type of loans from other banks.

3.2 CREDINVEST

CREDINVEST is a product intended to finance SE banking (Small Enterprises) and professional banking. Loans and Credit granted under CREDINVEST are used to assist in the normal business operation or purchase of additional fixed assets required for the expansion or improvement of such activities.

CREDINVEST is granted for one or more of the following business purposes:

To acquire supplies and materials regularly used in the business;
To acquire equipment, machinery, furniture, fixture or vehicle regularly used in the business;
To purchase land or buildings or to cover new construction or upgrading an existing construction that are integral to the operation of the business;
To buy-out existing exposure exclusively for situations of voluntary refinancing under satisfactory financial conditions.

Amount:

Minimum Amount: 10 000 TND.
Maximum Amount: 500 000 TND.

Tenor:

Minimum : 12 months.

Maximum : 60 months for transport equipment
84 months for other investments

Eligibility:
Professionals and Small Enterprises , residents.

Benefits:

You can benefit from an amount, which could reach 70% of the cost of your investment, that is adapted to your repayment capacity;
Credit Application can be submitted for study without account opening;
You have an average response time of 72 h;
You can benefit from very competitive rates;