{"id":141308,"date":"2026-08-15T00:50:13","date_gmt":"2026-08-14T22:50:13","guid":{"rendered":"https:\/\/lexpertjournal.net\/fr\/?p=141308"},"modified":"2026-08-15T00:50:13","modified_gmt":"2026-08-14T22:50:13","slug":"endettement-des-menages-toujours-plus","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=141308","title":{"rendered":"Endettement des m\u00e9nages\u00a0: Toujours plus"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>La souffrance des m\u00e9nages tunisiens n\u2019en finit pas. Le co\u00fbt de la vie augmente, l\u2019inflation grignote son pouvoir d\u2019achat emportant avec elle la hausse des salaires obtenue cette ann\u00e9e. Heureusement qu\u2019il y a toujours une banque qui peut nous aider. Le recours au cr\u00e9dit bancaire est encore et toujours la seule alternative pour plus de 70% des m\u00e9nages tunisiens.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><b>L\u2019encours des cr\u00e9dits atteint 30.6 milliards de dinars\u00a0:<\/b><\/strong><\/p>\n<p>Selon le dernier bulletin des statistiques financi\u00e8res de la Banque Centrale, l\u2019encours des cr\u00e9dits accord\u00e9s par les banques aux m\u00e9nages tunisiens a atteint 30.662 millions de dinars au mois de Juin 2026 en l\u00e9g\u00e8re hausse de 0.3% par rapport \u00e0 D\u00e9cembre 2025 et de 1.09% par rapport \u00e0 la m\u00eame p\u00e9riode de 2025.<\/p>\n<p>Les cr\u00e9dits au logement ont atteint 13.304 millions de dinars et repr\u00e9sentent 43% du total de l\u2019encours. L\u2019encours des cr\u00e9dits pour l\u2019am\u00e9nagement d\u2019un logement ont atteint au mois de Juin 2026, 11347 millions de dinars soit 37% du total de l\u2019encours.<\/p>\n<p>Les cr\u00e9dits \u00e0 la consommation ont totalis\u00e9 5550 millions de dinars.<\/p>\n<p>Cette l\u00e9g\u00e8re hausse traduit les facilit\u00e9s donn\u00e9es par les banques pour les m\u00e9nages malgr\u00e9 le manque de liquidit\u00e9, le resserrement du cr\u00e9dit, et l\u2019app\u00e9tit de l\u2019Etat \u00e0 s\u2019endetter aupr\u00e8s des banques.<\/p>\n<p>L\u2019encours des cr\u00e9dits pour les m\u00e9nages va certainement augmenter durant les prochains mois sous l\u2019effet de l\u2019entr\u00e9e en vigueur de l\u2019Article 412 Ter du Code de Commerce surtout apr\u00e8s la publication du d\u00e9cret d\u2019application du 23 Juillet dernier. En effet, outre les PME, les particuliers peuvent obtenir un cr\u00e9dit de 5000 dinar remboursable sur 2 ans sans int\u00e9r\u00eat, ni garantie. Des centaines de personnes ont d\u00e9j\u00e0 d\u00e9pos\u00e9 leurs demandes et attendent d\u00e9sormais les r\u00e9ponses des banques.<\/p>\n<p>&nbsp;<\/p>\n<p><strong><b>La part des cr\u00e9dits aux particuliers en baisse\u00a0:<\/b><\/strong><\/p>\n<p>Sur toute l\u2019ann\u00e9e 2025, les cr\u00e9dits accord\u00e9s aux particuliers ont enregistr\u00e9 une hausse moins prononc\u00e9e (+441 MD contre +644 MD en 2024) r\u00e9sultant de l\u2019effet conjugu\u00e9 de la l\u00e9g\u00e8re acc\u00e9l\u00e9ration des cr\u00e9dits \u00e0 la consommation (+511 MD contre +458 MD) et de la contraction des cr\u00e9dits destin\u00e9s \u00e0 l\u2019acquisition de logements (-198 MD contre +130 MD).<\/p>\n<p>La part des cr\u00e9dits aux particuliers dans l\u2019encours des cr\u00e9dits \u00e0 l\u2019\u00e9conomie a poursuivi sa tendance baissi\u00e8re revenant de 25,2% \u00e0 fin 2024 \u00e0 24,8% \u00e0 fin 2025.<\/p>\n<p>Le d\u00e9couvert bancaire commun\u00e9ment appel\u00e9 \u00ab\u00a0Rouge\u00a0\u00bb a atteint en 2025, 1889 millions de dinars. Ce genre de cr\u00e9dits, tr\u00e8s rentable pour les banques, est le pr\u00e9f\u00e9r\u00e9 des m\u00e9nages tunisiens, puisqu\u2019il est facile et imm\u00e9diat.<\/p>\n<p>S\u2019agissant des cr\u00e9ances impay\u00e9es ou en contentieux, celles-ci ont maintenu leur tendance haussi\u00e8re passant de 1.383 MD \u00e0 fin 2024 \u00e0 1.414 MD \u00e0 fin 2025. Cette \u00e9volution intervient alors que l\u2019encours des radiations des cr\u00e9dits aux particuliers a progress\u00e9 de 251 MD pour atteindre 431 MDT \u00e0 fin 2025. La part des cr\u00e9ances impay\u00e9es ou en contentieux dans les cr\u00e9dits aux particuliers s\u2019est maintenue \u00e0 4,6%. Une situation \u00e9trange, sachant que les banques tunisiennes s\u2019entourent de toutes les garanties n\u00e9cessaires lors de l\u2019octroi d\u2019un cr\u00e9dit \u00e0 un particulier tel que le nantissement du domicile, la domiciliation du salaire,\u2026.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; &nbsp; La souffrance des m\u00e9nages tunisiens n\u2019en finit pas. Le co\u00fbt de la vie augmente, l\u2019inflation grignote son pouvoir d\u2019achat emportant avec elle la hausse des salaires obtenue cette ann\u00e9e. Heureusement qu\u2019il y a toujours une banque qui peut nous aider. Le recours au cr\u00e9dit bancaire est encore et toujours la seule alternative pour [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":141309,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-141308","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites"],"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>Endettement des m\u00e9nages\u00a0: Toujours plus - 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=141308\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Endettement des m\u00e9nages\u00a0: Toujours plus\" \/>\n<meta property=\"og:description\" content=\"&nbsp; &nbsp; La souffrance des m\u00e9nages tunisiens n\u2019en finit pas. Le co\u00fbt de la vie augmente, l\u2019inflation grignote son pouvoir d\u2019achat emportant avec elle la hausse des salaires obtenue cette ann\u00e9e. Heureusement qu\u2019il y a toujours une banque qui peut nous aider. 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