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Main interest rates
- Debit interest rates applied to any form of financing are freely fixed by banks and negotiated with their customers, except those applied by the Tunisian Solidarity Bank (BTS).
-Currently applied rates are :
min = TMM
max = TMM+7 points
check retrospective series of money market monthly average rate (TMM)
-the rate applied to home financing of housing, by the Housing Bank (BH), for holders of housing savings passbook amounts to 6.75%.
- Credit interest rates are freely set except for the following categories of deposits :
- The interest rate applied to sight accounts and to any deposit or placement in dinar for a period less than 3 months, is ceiled at 2%,
- The rate of remuneration of special savings accounts (TRE) open at banks or the postal savings center (CEP) has been freely set since the 1st april 2008. Yet, this rate must be below the savings remuneration rate (TRE) which is equal to the money market rate (TMM) of the previous month minus 2 percentage points. This remuneration is automatically adjusted each time the money market average rate varies by at least 1/4 of a percentage point. A loyalty premium is set at 0.5% for funds remaining stable for one year or more but less than 2 years and at 1% for funds remaining stable for 2 years or more. Usage of the mentioned premium remains into force up to end 2008.
Check retrospective series of savings remuneration rate (TRE)
- Rate applied to deposits deposited in foreign accounts in convertible dinars by Tunisian private individuals living abroad and in special accounts in convertible dinars must be at the leastequal to TMM of the considered period minus by 2 percentage points,
- Rate applied by BH to holders of housing savings passbook is fixed at 5.25%,
- Legal interest rate in civil field which has been fixed since 15 February 1983, is 7%,
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Weighted average rate (TMP) of short-term Treasury bonds (B.T.C.T.) for the last auctions (in % per year)
|
Description |
Date of the last
auction |
Line |
TMP |
|
52 weeks |
|
31 January 2008 |
10 February 2009 |
5.444 |
|
06 November 2008 |
27 October 2009 |
5.279 |
|
27 November 2008 |
24 November 2009 |
5.274 |
- Weighted average rate (TMP) of bonds equivalent to Treasury bonds (B,T,A) for the last adjudications (in % per year)
| Description |
Date of the last auction |
Line |
TMP |
|
6 years |
04 November 2008 |
March 2012 |
5.617 |
|
7 years |
07 October 2008 |
October 2013 |
5.964 |
|
10 years |
05 September 2006 |
March 2009 |
5.454 |
|
04 April 2006 |
April 2010 |
5.557 |
|
07 December 2004 |
April 2014 |
6.963 |
|
03 January 2007 |
February 2015 |
6.619 |
|
04 November 2008 |
October 2016 |
6.378 |
|
02 December 2008 |
July 2017 |
6.296 |
|
02 December 2008 |
December 2018 |
6.428 |
|
12 years |
02 December 2003 |
July 2014 |
8.126 |
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15 years |
07 October 2008 |
May 2022 |
6.816 |
- For transferable Treasury bonds (BTC) and Treasury bonds negotiable on the stock exchange (BTNB) , the last issues are dated October 1999 and December 1997 respectively,
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