Following the dissemination of information circulating on social networks concerning a supposed suspension of bank credits beyond 15 years, the banking and financial advice (CBF) published a press release to restore the facts.
In this text, the CBF recalls that Tunisian banks remain fully committed to applying the regulations in force, in particular law n ° 41 of 2024 amending the Commercial Code, and more specifically article 412. These institutions also affirm their desire to continue to support the economic activity of the country, including the granting of habitat credits of a duration of up to 25 years.
This development aims to deny rumors evoking restrictions in access to long -term financing, while reiterating the efforts of banks to support citizens in an economic context marked by challenges related to purchasing power.
Official CBF press release:
Following the recent unfounded information brought against the banking sector and relayed by certain pages of social networks relating, in particular, on the application of article 412 ter of law n ° 2024-41 of August 2, 2024, the banking and financial advice (CBF) wishes to specify the following:
• Banks reiterate their commitment to comply with the regulations in force and the state orientations in terms of financing the economy on the one hand and to ensure their social responsibility to support users of banking services.
• Banks are engaged in the application of all the provisions of the said law, in particular, the reduction of 50% of fixed rate interest whose rate of satisfaction of eligible requests rose from 93% to March 25, 2025 to 95.2% to April 14, 2025. Banks use all possible human and technical resources to examine and study the eligibility of requests received within regulatory deadlines.
• The CBF would intervene to accelerate the resolution of complaints, in its capacity as representative of banks and financial institutions, and recalls that it makes available to customers of the banking sector the system of receipt of the complaints below completing the regulatory system already implemented and intervenes for the regularization of said complaints:
✓ A toll -free number: 80 100,280 functional from Monday to Friday from 8:00 a.m. to 5.30 p.m.
✓ E-mail address: (Email Protected)
✓ A citizen space: https://reclamation.cbf.org.tn/
• Only the Central Bank of Tunisia (BCT) and the CBF hold and process the official data communicated to them by all banks. The surveys circulating on social networks are biased and based on non -real data.
• Banks, and unlike certain messages circulating on social networks, continue to boost economic activity and grant housing credits for durations that can go up to 25 years in the context of savings plans, in accordance with the regulations in force. The BCT and the CBF are currently in consultation to set up financial products to boost access to the financing of the housing taking into account the deterioration of purchasing power. In addition, banks have launched new digital payment instruments, such as deferred payment solutions, made available to customers since October 2024.
However, the CBF is available to the general public and the media to respond without time to all the information requested for the communication and popularization of banking and financial practices.
