Best Banks for Mortgage in Tunisia 2026 — Rates Compared

Getting a mortgage in Tunisia is increasingly accessible — both for residents and for Tunisians living abroad (TRE). With a growing real estate market and several banks competing for housing loan clients, 2026 offers good conditions for property buyers. This guide compares the best banks for a mortgage in Tunisia and explains what to expect.

Who can get a mortgage in Tunisia?

Tunisian residents with a stable income and a clean credit history can access mortgage financing from most Tunisian banks. TRE customers can also apply, provided they can demonstrate sufficient foreign or Tunisian income. Foreign nationals are generally not eligible for mortgage financing from Tunisian banks, though conditions vary by institution. The standard maximum loan-to-value ratio in Tunisia is 70 to 80% of the property value — meaning a down payment of at least 20 to 30% is required.

STB — Société Tunisienne de Banque

STB is one of the oldest and largest state-owned banks in Tunisia. It offers one of the widest ranges of housing loan products, including loans for first-time buyers, social housing programmes, and renovation loans. STB works in partnership with SNIT and other government housing initiatives. Interest rates are generally in line with the market average — currently between 9% and 12% per annum depending on the applicant profile and loan duration.

BIAT — Banque Internationale Arabe de Tunisie

BIAT is Tunisia’s largest private bank and consistently offers competitive mortgage rates. It provides fixed and variable rate options, and its strong digital infrastructure allows for online pre-approval and document submission. For high-income applicants and TRE customers, BIAT can offer tailored terms starting around 9.5% annually. Processing times are generally shorter than at public banks.

BH Bank — the housing loan specialist

BH Bank (formerly Banque de l’Habitat) was created specifically to finance housing in Tunisia and remains the leading institution for residential mortgages. It offers the most complete range of housing products, including specific programmes for young first-time buyers, social housing, and TRE customers. BH Bank partners with many property developers, which can simplify the purchase process for off-plan properties. Processing times can be longer than at private banks, but the programme variety is unmatched.

Amen Bank — competitive for private clients

Amen Bank is a well-regarded private bank known for quality service and competitive rates for private clients. It offers loans up to 25 years in duration and processes applications efficiently. Amen Bank is particularly recommended for self-employed professionals who may struggle to qualify at public banks due to stricter income documentation requirements.

Attijari Bank — strong network and digital services

Attijari Bank (part of the Attijariwafa Group) offers mortgage products with a good balance of rates and service. It is known for responsive customer service and digital account management tools. A solid choice for salaried employees with regular income documentation.

Key mortgage conditions in Tunisia in 2026

The BCT (Banque Centrale de Tunisie) sets the key policy rate that influences all lending rates. As of early 2026, residential mortgage rates typically range from 9% to 13% annually, depending on the bank, loan duration, and borrower profile. Standard loan durations run from 5 to 25 years. Banks require life insurance and property insurance throughout the loan period. A personal guarantor (caution solidaire) may be required for younger borrowers or those with shorter employment history.

How to apply for a mortgage in Tunisia

Start by getting pre-approved — most banks offer free pre-approval assessments online or at a branch. Prepare your income documentation: payslips for the last 3 months, bank statements for the last 6 months, your employment contract, and your CIN or passport. TRE applicants should also provide proof of foreign income and their tax identification number. Once pre-approved, the bank will conduct a property valuation before confirming the final loan offer. houni.tn lists verified properties across Tunisia and can connect you with agents experienced in mortgage-financed transactions.