Housing Finance in Tunisia


Tunisia has a developed housing finance sector. As the mortgage market does not yet meet the breadth of the population who might afford a mortgage, most households still finance their housing independently, with savings or non-mortgage credit.

The lowest recorded interest rate on a mortgage in Tunisia is eight percent, as of September 2016. Prices in the formal real estate market have been increasing at a rate of eight percent an annum since 1990, and have continued to rise following the Revolution. The rental market has experienced increased demand, and higher rentals, due to the Libyans who have fled unrest. According to the Ministry’s Housing Observatory, in 2010 the average price of a housing unit was US$ 36 180 at a size of 134 square metres, or US$ 270 per square metres. With a good macroeconomic environment, sound policy, better data and increased access to affordable credit, an enabled housing market can increasingly provide housing that the average household in Tunisia can afford.

Find out more information on the housing finance sector of Tunisia, including key stakeholders, important policies and housing affordability:

Each year, CAHF publishes its Housing Finance in Africa Yearbook. The profile above is from the 2018 edition, which has up-to-date profiles for 54 African countries.

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