{"id":96824,"date":"2017-09-28T18:10:05","date_gmt":"2017-09-28T17:10:05","guid":{"rendered":"http:\/\/www.realites.com.tn\/?p=96824"},"modified":"2017-09-28T18:10:05","modified_gmt":"2017-09-28T17:10:05","slug":"le-credit-premier-logement-axe-majeur-dexpo-finances-2017","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/le-credit-premier-logement-axe-majeur-dexpo-finances-2017\/","title":{"rendered":"Le cr\u00e9dit premier logement, axe majeur d\u2019Expo Finances 2017"},"content":{"rendered":"

\"expo-finance\"<\/a><\/p>\n

L\u2019acc\u00e8s au cr\u00e9dit Premier logement r\u00e9cemment annonc\u00e9 par le minist\u00e8re de l\u2019\u00e9quipement, de l\u2019habitat et de l\u2019am\u00e9nagement du territoire, sera l\u2019un des axes majeurs du salon Expo Finances qui se tiendra du 4 au 7 Octobre prochain \u00e0 la Charguia Expo Center. Lors d\u2019une conf\u00e9rence de presse organis\u00e9e dans le cadre de cet \u00e9v\u00e9nement
\nAhmed El Karam, Pr\u00e9sident de l\u2019Association Professionnelle Tunisienne des Banques et des Etablissements Financiers APTBEF, Fahmi Chaabane, Pr\u00e9sident de la Chambre Syndicale Nationale des Promoteurs Immobiliers CSNPI et Nejib Snoussi, Directeur g\u00e9n\u00e9ral de l\u2019Habitat au Minist\u00e8re de l\u2019Equipement ont pr\u00e9sent\u00e9 les principaux objectifs de ce salon.
\n90 exposants r\u00e9partis sur diff\u00e9rentes branches d\u2019activit\u00e9 financi\u00e8res seront pr\u00e9sents dont plus de 70% sont des banques. Expo Finances offre aux \u00e9tablissements financiers les opportunit\u00e9s de pr\u00e9senter notamment leurs nouveaux produits et services et Promouvoir le \u00ab Cr\u00e9dit Premier Logement \u00ab d\u2019ailleurs Banques et promoteurs immobiliers pr\u00e9senteront \u00e0 cette occasion leurs offres et fourniront les d\u00e9tails pratiques pour l\u2019obtention des cr\u00e9dits y aff\u00e9rents \u00e0 ce cr\u00e9dit qui apporte beaucoup de nouveaut\u00e9s pour le tunisien :<\/p>\n

Comment acqu\u00e9rir un 1er logement sans avancer l\u2019autofinancement requis
\n<\/strong>Vous voulez acheter votre premier logement et obtenir un cr\u00e9dit \u00e0 cet effet, mais vous n\u2019\u00eates pas en mesure d\u2019avancer l\u2019autofinancement de 20% requis. L\u2019Etat vous le pr\u00eate \u00e0 des conditions fort avantageuses au titre du Programme national 1er logement.
\nL\u2019acc\u00e8s au b\u00e9n\u00e9fice de ces avantages est ouvert aux familles tunisiennes qui ne disposent pas d\u2019un premier logement principal et dont le revenu mensuel brut se situe entre 4.5 et 10 fois le SMIG, soit actuellement en 1.534 DT et 3.932 DT. Le b\u00e9n\u00e9ficiaire devrait \u00eatre mari\u00e9 ou bien veuf ou divorc\u00e9 ayant des enfants \u00e0 charge et la famille ne devrait pas disposer d\u2019un autre logement (principal).L\u2019un des conjoints doit \u00eatre salari\u00e9 du secteur public ou du priv\u00e9. Le logement doit se comprendre 2 chambres + s\u00e9jour+ salle d\u2019eau et son prix ne doit pas d\u00e9passer 200.000 DT, hors frais de contrat et autres. Le logement est \u00e0 acqu\u00e9rir soit aupr\u00e8s d\u2019un promoteur immobilier agr\u00e9\u00e9, soit d\u2019un particulier, en justifiant de la conformit\u00e9 \u00e0 la l\u00e9gislation en vigueur et la production d\u2019un permis de b\u00e2tir.
\nLe cr\u00e9dit est destin\u00e9 \u00e0 financer la part de 20% exig\u00e9e en autofinancement dans le cr\u00e9dit logement. Le remboursement se fait, apr\u00e8s une p\u00e9riode de gr\u00e2ce de cinq ans, sur sept ans, avec un taux d\u2019int\u00e9r\u00eat de 2%. A titre d\u2019exemple, pour un logement devant couter 200.000 DT, l\u2019autofinancement est de 40.000 DT, avanc\u00e9 par l\u2019Etat. Le reste qui est de 160.000 DT soit 80% sera mobilis\u00e9 sous forme de cr\u00e9dit bancaire selon les conditions sp\u00e9cifiques \u00e0 chaque banque.<\/p>\n","protected":false},"excerpt":{"rendered":"

L\u2019acc\u00e8s au cr\u00e9dit Premier logement r\u00e9cemment annonc\u00e9 par le minist\u00e8re de l\u2019\u00e9quipement, de l\u2019habitat et de l\u2019am\u00e9nagement du territoire, sera l\u2019un des axes majeurs du salon Expo Finances qui se…<\/p>\n","protected":false},"author":60,"featured_media":96828,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[27,4,6],"tags":[],"class_list":["post-96824","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualite","category-actualites","category-economie"],"yoast_head":"\nLe cr\u00e9dit premier logement, axe majeur d\u2019Expo Finances 2017 - R\u00e9alit\u00e9s Magazine<\/title>\n<meta name=\"description\" content=\"L\u2019acc\u00e8s au cr\u00e9dit Premier logement r\u00e9cemment annonc\u00e9 par le minist\u00e8re de l\u2019\u00e9quipement, de l\u2019habitat et de l\u2019am\u00e9nagement du territoire, sera l\u2019un des axes\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/realites.com.tn\/fr\/le-credit-premier-logement-axe-majeur-dexpo-finances-2017\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le cr\u00e9dit premier logement, axe majeur d\u2019Expo Finances 2017 - 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