{"id":141114,"date":"2026-08-01T18:28:12","date_gmt":"2026-08-01T16:28:12","guid":{"rendered":"https:\/\/lexpertjournal.net\/fr\/?p=141114"},"modified":"2026-08-01T18:28:12","modified_gmt":"2026-08-01T16:28:12","slug":"le-ministere-des-finances-fixe-le-seuil-des-taux-excessifs","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=141114","title":{"rendered":"Le minist\u00e8re des finances fixe le seuil des taux excessifs"},"content":{"rendered":"

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Comme d\u2019habitude et chaque semestre, le minist\u00e8re des finances fixe les taux d\u2019int\u00e9r\u00eats appliqu\u00e9s par les banques et soci\u00e9t\u00e9s de leasing. En effet, au dernier journal officiel vient de paraitre l\u2019arr\u00eat\u00e9 de la ministre des finances du 28 juillet 2026, portant publication des taux d\u2019int\u00e9r\u00eat effectifs moyens et des seuils des taux d\u2019int\u00e9r\u00eat excessifs correspondants. On n\u2019enregistre pas un grand changement en comparaison avec les taux appliqu\u00e9s au niveau du premier semestre de l\u2019ann\u00e9e fix\u00e9s par l\u2019arr\u00eat\u00e9 de la ministre des finances du 27 janvier 2026. N\u00e9anmoins une l\u00e9g\u00e8re baisse est \u00e0 signaler dans plusieurs types de taux d\u2019int\u00e9r\u00eats.<\/p>\n

Les taux qui seront appliqu\u00e9s par les banques au cours des six prochains mois seront comme suit\u00a0:<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
Cat\u00e9gorie de concours<\/b><\/strong><\/td>\nTaux d\u2019int\u00e9r\u00eat effectif moyen (%)<\/b><\/strong><\/td>\nSeuil du taux d\u2019int\u00e9r\u00eat excessif correspondant (%)<\/b><\/strong><\/td>\n<\/tr>\n
1- Leasing mobiliers ou immobiliers<\/td>\n13,37<\/td>\n16,04<\/td>\n<\/tr>\n
2- Cr\u00e9dits \u00e0 la consommation<\/td>\n11,23<\/td>\n13,47<\/td>\n<\/tr>\n
3- D\u00e9couverts mat\u00e9rialis\u00e9s ou non par des effets<\/td>\n12,29<\/td>\n14,74<\/td>\n<\/tr>\n
4- Cr\u00e9dits \u00e0 l\u2019habitat financ\u00e9s sur les ressources ordinaires des banques<\/td>\n10,25<\/td>\n12,30<\/td>\n<\/tr>\n
5- Affacturage<\/td>\n11,78<\/td>\n14,13<\/td>\n<\/tr>\n
6- Cr\u00e9dits \u00e0 long terme<\/td>\n9,63<\/td>\n11,55<\/td>\n<\/tr>\n
7- Cr\u00e9dits \u00e0 moyen terme<\/td>\n9,80<\/td>\n11,76<\/td>\n<\/tr>\n
8- Cr\u00e9dits \u00e0 court terme, d\u00e9couverts non compris<\/td>\n9,57<\/td>\n11,48<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Les taux d\u2019int\u00e9r\u00eats moyen effectif sont une moyenne des taux appliqu\u00e9s par les banques tunisienne depuis le d\u00e9but de l\u2019ann\u00e9e soit les 6 derniers mois. Les taux excessifs, sont ceux \u00e0 ne pas d\u00e9passer par les banques et au-del\u00e0 desquels l\u2019op\u00e9ration sera ill\u00e9gale et excessive.<\/p>\n

Le d\u00e9couvert bancaire ou \u00ab\u00a0le rouge\u00a0\u00bb comme certains l\u2019appellent reste tr\u00e8s cher pour les clients des banques (12.29% de taux effectif moyen) alors qu\u2019il est le plus utilis\u00e9. En 2025, l\u2019encours du d\u00e9couvert bancaire pour les clients a atteint 1800 millions de dinars.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Comme d\u2019habitude et chaque semestre, le minist\u00e8re des finances fixe les taux d\u2019int\u00e9r\u00eats appliqu\u00e9s par les banques et soci\u00e9t\u00e9s de leasing. En effet, au dernier journal officiel vient de paraitre l\u2019arr\u00eat\u00e9 de la ministre des finances du 28 juillet 2026, portant publication des taux d\u2019int\u00e9r\u00eat effectifs moyens et des seuils des taux d\u2019int\u00e9r\u00eat […]<\/p>\n","protected":false},"author":2,"featured_media":141115,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-141114","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"yoast_head":"\nLe minist\u00e8re des finances fixe le seuil des taux excessifs - L'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=141114\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le minist\u00e8re des finances fixe le seuil des taux excessifs\" \/>\n<meta property=\"og:description\" content=\"    Comme d\u2019habitude et chaque semestre, le minist\u00e8re des finances fixe les taux d\u2019int\u00e9r\u00eats appliqu\u00e9s par les banques et soci\u00e9t\u00e9s de leasing. En effet, au dernier journal officiel vient de paraitre l\u2019arr\u00eat\u00e9 de la ministre des finances du 28 juillet 2026, portant publication des taux d\u2019int\u00e9r\u00eat effectifs moyens et des seuils des taux d\u2019int\u00e9r\u00eat […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lexpertjournal.net\/fr\/?p=141114\" \/>\n<meta property=\"og:site_name\" content=\"L'expert Journal\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Samya.Ayari.tn\" \/>\n<meta property=\"article:published_time\" content=\"2026-08-01T16:28:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lexpertjournal.net\/fr\/wp-content\/uploads\/2026\/08\/Screenshot-2026-08-01-172640.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"811\" \/>\n\t<meta property=\"og:image:height\" content=\"535\" \/>\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=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=141114#article\",\"isPartOf\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=141114\"},\"author\":{\"name\":\"Lexpert\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#\/schema\/person\/65d2c89a6ae700ca94d3873874b3ae31\"},\"headline\":\"Le minist\u00e8re des finances fixe le seuil des taux excessifs\",\"datePublished\":\"2026-08-01T16:28:12+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=141114\"},\"wordCount\":329,\"publisher\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/#organization\"},\"image\":{\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=141114#primaryimage\"},\"thumbnailUrl\":\"https:\/\/lexpertjournal.net\/fr\/wp-content\/uploads\/2026\/08\/Screenshot-2026-08-01-172640.jpg\",\"articleSection\":[\"Actualit\u00e9s\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/lexpertjournal.net\/fr\/?p=141114\",\"url\":\"https:\/\/lexpertjournal.net\/fr\/?p=141114\",\"name\":\"Le minist\u00e8re des finances fixe le seuil des taux excessifs - 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