{"id":139747,"date":"2026-02-18T20:17:13","date_gmt":"2026-02-18T19:17:13","guid":{"rendered":"https:\/\/lexpertjournal.net\/fr\/?p=139747"},"modified":"2026-02-18T20:17:13","modified_gmt":"2026-02-18T19:17:13","slug":"30-4-milliards-de-dinars-dencours-de-credits-accordes-aux-menages","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=139747","title":{"rendered":"30.4 Milliards de dinars d\u2019encours de cr\u00e9dits accord\u00e9s aux m\u00e9nages"},"content":{"rendered":"<h3>Face \u00e0 un pouvoir d\u2019achat qui recule et des besoins qui augmentent, le tunisien n\u2019a pas milles solutions\u00a0: il s\u2019endette. Or m\u00eame l\u2019acc\u00e8s \u00e0 cet endettement est devenu difficile, \u00e0 cause de capacit\u00e9 d\u2019endettement qui a atteint ses limites pour des milliers de m\u00e9nages, un taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9 et des banques qui mettent de plus en plus de conditions restrictives.<\/h3>\n<h3><strong>\u00a0<\/strong><\/h3>\n<h3><span style=\"color: #800000;\"><strong>Les cr\u00e9dits \u00e0 la consommation continuent leur croissance\u00a0:<\/strong><\/span><\/h3>\n<h3>Selon les r\u00e9cents chiffres publi\u00e9s par la Banque Centrale, l\u2019encours des cr\u00e9dits accord\u00e9s aux particuliers par les banques ont atteint au 31\/12\/2025, 30.4 milliards de dinars, en hausse de 1.47% par rapport \u00e0 d\u00e9cembre 2024. Le solde net des cr\u00e9dits a atteint ainsi 441 millions de dinars.<\/h3>\n<h3>L\u2019encours des cr\u00e9dits enregistre un ralentissement important apr\u00e8s avoir enregistr\u00e9 une hausse de 3.1% entre 2022 et 2023 et +2.3% entre 2023 et 2024.<\/h3>\n<h3>Par ailleurs, la part des cr\u00e9dits aux particuliers dans le total des cr\u00e9dits \u00e0 l\u2019\u00e9conomie s\u2019est stabilis\u00e9e au niveau de\u00a0 25% \u00e0 fin 2025.<\/h3>\n<h3>Les cr\u00e9dits au logement qui repr\u00e9sentent plus de 40% de l\u2019encours ont chut\u00e9 de 1.46% passant de 13.5 milliards de dinars au mois de D\u00e9cembre 2024 \u00e0 13.3 milliards de dinars au mois de D\u00e9cembre 2025. Le nouvel article 412 ter de la loi n\u00b02024-41 impose aux banques de r\u00e9duire les taux d\u2019int\u00e9r\u00eat fixes appliqu\u00e9s aux cr\u00e9dits en cours de remboursement ou aux nouveaux cr\u00e9dits dont la dur\u00e9e initiale de remboursement d\u00e9passe sept ans, si les int\u00e9r\u00eats pay\u00e9s par le client au cours des trois ann\u00e9es pr\u00e9c\u00e9dant la demande exc\u00e8dent 8 % du capital restant d\u00fb. Cette situation a pouss\u00e9 plusieurs banques \u00e0 offrir des cr\u00e9dits logement pour des p\u00e9riodes inf\u00e9rieures \u00e0 15 ans avec des taux d\u2019int\u00e9r\u00eats variables.<\/h3>\n<h3>L\u2019encours des cr\u00e9dits pour l\u2019am\u00e9nagement du logement a augment\u00e9 de 6.9% en 2025 passant de 10.955 millions de dinars \u00e0 11.270 millions de dinars au mois de d\u00e9cembre 2025. Ce type de cr\u00e9dit est g\u00e9n\u00e9ralement orient\u00e9 vers la consommation et non pas vers l\u2019am\u00e9nagement du logement.<\/h3>\n<h3>L\u2019encours des cr\u00e9dits \u00e0 la consommation a augment\u00e9 de 5.8% pour atteindre 5410 millions de dinars au mois de D\u00e9cembre 2025.<\/h3>\n<h3>En 2025, la structure approximative de l\u2019encours des cr\u00e9dits accord\u00e9s aux particuliers est de 44% pour le logement, 37% pour l\u2019am\u00e9nagement, 18% pour la consommation et 2% pour les v\u00e9hicules et les \u00e9tudes.<\/h3>\n<h3><\/h3>\n<h3><span style=\"color: #800000;\"><strong>Lecture d\u2019ensemble de la politique de cr\u00e9dits\u00a0:<\/strong><\/span><\/h3>\n<h3>Une lecture de l\u2019\u00e9volution de l\u2019encours des cr\u00e9dits accord\u00e9s aux particuliers par les banques r\u00e9v\u00e8le une baisse consid\u00e9rable en proportion \u00e0 l\u2019inflation, malgr\u00e9 une hausse au niveau nominal.<\/h3>\n<h3>Entre d\u00e9cembre 2020 et d\u00e9cembre 2025, l\u2019encours des cr\u00e9dits accord\u00e9s aux m\u00e9nages est pass\u00e9 d\u2019environ 25,583 milliards de dinars \u00e0 30,464 milliards de dinars, soit une hausse nominale d\u2019environ +19 % en 5 ans. Cette hausse traduit r\u00e9ellement que les m\u00e9nages tunisiens continuent d\u2019emprunter \u00e0 un rythme soutenu. Mais cet endettement, malheureusement ne couvre pas l\u2019\u00e9volution de l\u2019inflation. Sur les 5 derni\u00e8res ann\u00e9es le cumul de l\u2019inflation enregistr\u00e9e atteint plus de 40%. On peut ainsi confirmer que les cr\u00e9dits aux m\u00e9nages reculent.<\/h3>\n<h3>En d\u00e9tail, les cr\u00e9dits \u00e0 la consommation passent approximativement de 3,7 milliards de dinars en 2020 \u00e0 5.4 milliards de dinars en 2025 soit une hausse de 45%. Une croissance importante qui traduit principalement une vie de plus en plus ch\u00e8re, un pouvoir d\u2019achat qui chute et un endettement orient\u00e9 vers les besoins essentiels de la vie. L\u2019endettement est devenu un outil de survie \u00e9conomique.<\/h3>\n<h3>Quant \u00e0 l\u2019encours des cr\u00e9dits au logement, il est pass\u00e9 de 11,6 milliards de dinars en 2020 \u00e0 13,3 milliards de dinars en 2025 soit une hausse de +14.5 % seulement en 5 ans.<\/h3>\n<h3>Ce niveau de croissance traduit les difficult\u00e9s d\u2019acc\u00e8s au logement en Tunisie suite surtout \u00e0 la hausse vertigineuse des prix de l\u2019immobilier et la chute de la capacit\u00e9 d\u2019endettement sur le long terme des m\u00e9nages. Les m\u00e9nages tunisiens s\u2019enferment dans une bulle de prix en hausse, des taux d\u2019int\u00e9r\u00eats tr\u00e8s \u00e9lev\u00e9s et des conditions bancaires plus strictes. L\u2019acc\u00e8s au logement neuf est devenu la chasse gard\u00e9e d\u2019une \u00e9lite riche.<\/h3>\n<h3>L\u2019encours des cr\u00e9dits d\u2019am\u00e9nagement du logement passent de 9920 millions de dinars en 2020 \u00e0 11270 millions de dinars en 2025 soit environ +13.6 %. N\u2019ayant pas les moyens d\u2019acheter de nouveaux logements, les tunisiens se rabattent sur la r\u00e9novation et l\u2019agrandissement. Mais la pratique nous r\u00e9v\u00e8le aussi que ce type de cr\u00e9dit est destin\u00e9 d\u2019une mani\u00e8re d\u00e9guis\u00e9e \u00e0 la consommation. En effet, il suffit de pr\u00e9senter un devis de travaux d\u2019am\u00e9nagement pour obtenir ce type de cr\u00e9dit. Les banques n\u2019assurent plus le suivi de l\u2019affectation de l\u2019argent emprunt\u00e9.<\/h3>\n<h3><\/h3>\n<h3><span style=\"color: #800000;\"><strong>Des m\u00e9nages incapables de rembourser\u00a0:<\/strong><\/span><\/h3>\n<h3>Selon la Banque centrale les cr\u00e9ances en impay\u00e9s ou en contentieux ont poursuivi leur tendance haussi\u00e8re mais avec un rythme moins soutenu revenant de 6,2% en 2023 \u00e0 3% en 2024. Cette d\u00e9c\u00e9l\u00e9ration s\u2019explique notamment par l\u2019accroissement de l\u2019encours des radiations des cr\u00e9dits aux particuliers qui s\u2019est \u00e9lev\u00e9 \u00e0 251 MD \u00e0 fin 2024 contre 150 MD une ann\u00e9e auparavant.<\/h3>\n<h3>Le montant global des cr\u00e9dits impay\u00e9s ou en contentieux a atteint plus de 1380 millions de dinars en 2024, soit 40 millions de dinars de plus qu\u2019en 2023.<\/h3>\n<h3>Ces difficult\u00e9s sont le r\u00e9sultats de taux d\u2019int\u00e9r\u00eat tr\u00e8s \u00e9lev\u00e9 selon le rapport de la Banque Centrale, les taux d\u2019int\u00e9r\u00eat ont augment\u00e9 de 12 points de base, en moyenne, en 2024, tir\u00e9s par ceux appliqu\u00e9s sur les cr\u00e9dits \u00e0 la consommation (maturit\u00e9 inf\u00e9rieure \u00e0 sept ans) de 17 pb. En revanche, les taux sur les cr\u00e9dits logement (maturit\u00e9 sup\u00e9rieure \u00e0 sept ans) ont enregistr\u00e9 une baisse de 16 pb, en moyenne, en 2024.<\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Face \u00e0 un pouvoir d\u2019achat qui recule et des besoins qui augmentent, le tunisien n\u2019a pas milles solutions\u00a0: il s\u2019endette. Or m\u00eame l\u2019acc\u00e8s \u00e0 cet endettement est devenu difficile, \u00e0 cause de capacit\u00e9 d\u2019endettement qui a atteint ses limites pour des milliers de m\u00e9nages, un taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9 et des banques qui mettent de plus [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":139748,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,28],"tags":[],"class_list":["post-139747","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>30.4 Milliards de dinars d\u2019encours de cr\u00e9dits accord\u00e9s aux m\u00e9nages - L&#039;expert Journal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lexpertjournal.net\/fr\/?p=139747\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"30.4 Milliards de dinars d\u2019encours de cr\u00e9dits accord\u00e9s aux m\u00e9nages\" \/>\n<meta property=\"og:description\" content=\"Face \u00e0 un pouvoir d\u2019achat qui recule et des besoins qui augmentent, le tunisien n\u2019a pas milles solutions\u00a0: il s\u2019endette. Or m\u00eame l\u2019acc\u00e8s \u00e0 cet endettement est devenu difficile, \u00e0 cause de capacit\u00e9 d\u2019endettement qui a atteint ses limites pour des milliers de m\u00e9nages, un taux d\u2019int\u00e9r\u00eat \u00e9lev\u00e9 et des banques qui mettent de plus [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lexpertjournal.net\/fr\/?p=139747\" \/>\n<meta property=\"og:site_name\" content=\"L&#039;expert Journal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Samya.Ayari.tn\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-18T19:17:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lexpertjournal.net\/fr\/wp-content\/uploads\/2026\/02\/cred.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1151\" \/>\n\t<meta property=\"og:image:height\" content=\"767\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Lexpert\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lexpert\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=139747#article\",\"isPartOf\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=139747\"},\"author\":{\"name\":\"Lexpert\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#\/schema\/person\/65d2c89a6ae700ca94d3873874b3ae31\"},\"headline\":\"30.4 Milliards de dinars d\u2019encours de cr\u00e9dits accord\u00e9s aux m\u00e9nages\",\"datePublished\":\"2026-02-18T19:17:13+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=139747\"},\"wordCount\":1008,\"publisher\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#organization\"},\"image\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=139747#primaryimage\"},\"thumbnailUrl\":\"https:\/\/lexpertjournal.net\/fr\/wp-content\/uploads\/2026\/02\/cred.jpg\",\"articleSection\":[\"Actualit\u00e9s\",\"Economie\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=139747\",\"url\":\"https:\/\/lexpertjournal.net\/fr\/?p=139747\",\"name\":\"30.4 Milliards de dinars d\u2019encours de cr\u00e9dits accord\u00e9s aux m\u00e9nages - 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