{"id":395227,"date":"2026-09-09T07:12:51","date_gmt":"2026-09-09T06:12:51","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=395227"},"modified":"2026-09-09T07:12:51","modified_gmt":"2026-09-09T06:12:51","slug":"hausse-des-credits-aux-particuliers-malgre-le-recul-des-prets-a-lhabitat","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/hausse-des-credits-aux-particuliers-malgre-le-recul-des-prets-a-lhabitat\/","title":{"rendered":"Hausse des cr\u00e9dits aux particuliers malgr\u00e9 le recul des pr\u00eats \u00e0 l&rsquo;habitat"},"content":{"rendered":"<p class=\"ds-markdown-paragraph\"><span class=\"\">L&rsquo;encours des cr\u00e9dits bancaires non professionnels accord\u00e9s aux particuliers a enregistr\u00e9 une l\u00e9g\u00e8re progression au cours du premier semestre 2026, selon les donn\u00e9es publi\u00e9es dans la note d&rsquo;informations financi\u00e8res de la Banque Centrale de Tunisie (BCT) pour le mois de juillet 2026. Ce volume s&rsquo;est \u00e9tabli \u00e0 30,662 milliards de dinars \u00e0 la fin du mois de juin, contre 30,554 milliards de dinars en d\u00e9cembre 2025, soit une augmentation d&rsquo;environ 108 millions de dinars.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">Cette \u00e9volution globale masque toutefois des tendances contrast\u00e9es selon les cat\u00e9gories de pr\u00eats. D&rsquo;une part, les cr\u00e9dits \u00e0 l&rsquo;habitat ont enregistr\u00e9 un repli, passant de 13,407 milliards de dinars en d\u00e9cembre 2025 \u00e0 13,304 milliards de dinars en juin 2026, soit une baisse de 103 millions de dinars. D&rsquo;autre part, les pr\u00eats \u00e0 l&rsquo;am\u00e9nagement du logement ont augment\u00e9 de 80,5 millions de dinars pour atteindre 11,348 milliards de dinars. En sus, les cr\u00e9dits destin\u00e9s \u00e0 l&rsquo;achat de v\u00e9hicules sont pass\u00e9s de 438,6 millions \u00e0 446,1 millions de dinars, tandis que les autres cr\u00e9dits \u00e0 la consommation ont progress\u00e9 de 125 millions de dinars, soit une hausse de 2,3 %. Par ailleurs, les cr\u00e9dits universitaires ont diminu\u00e9 d&rsquo;environ 1,2 million de dinars.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">En comparaison avec la m\u00eame p\u00e9riode de l&rsquo;ann\u00e9e pr\u00e9c\u00e9dente, l&rsquo;encours des cr\u00e9dits avait progress\u00e9 de 276 millions de dinars entre d\u00e9cembre 2024 et juin 2025. Le rythme de croissance est donc rest\u00e9 plus faible entre d\u00e9cembre 2025 et juin 2026. Ce ralentissement s&rsquo;explique principalement par la capacit\u00e9 d&rsquo;endettement limit\u00e9e des m\u00e9nages tunisiens, malgr\u00e9 la baisse du taux directeur de la BCT, pass\u00e9 de 7,5 % \u00e0 7 % en janvier 2026, dans un contexte de d\u00e9c\u00e9l\u00e9ration de l&rsquo;inflation \u00e0 5,4 % en ao\u00fbt 2026. Cette mesure, qui devait th\u00e9oriquement assouplir les conditions d&#8217;emprunt, ne s&rsquo;est pas traduite par une expansion significative du total des cr\u00e9dits non professionnels, la croissance de l&rsquo;encours global ne d\u00e9passant pas 0,35 % par rapport \u00e0 d\u00e9cembre 2025.<br \/>\n<strong>MBY<\/strong><br \/>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;encours des cr\u00e9dits bancaires non professionnels accord\u00e9s aux particuliers a enregistr\u00e9 une l\u00e9g\u00e8re progression au cours du premier semestre 2026, selon les donn\u00e9es publi\u00e9es dans la note d&rsquo;informations financi\u00e8res de&hellip;<\/p>\n","protected":false},"author":60,"featured_media":298924,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-395227","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - 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