{"id":219291,"date":"2025-01-23T18:23:00","date_gmt":"2025-01-23T18:23:00","guid":{"rendered":"https:\/\/www.webdo.tn\/fr\/blog\/tunisie-reduction-des-taux-d-interet-les-banques-rappelees-a-l-ordre-par-la-bct\/219291\/"},"modified":"2025-05-20T22:22:28","modified_gmt":"2025-05-20T22:22:28","slug":"tunisie-reduction-des-taux-d-interet-les-banques-rappelees-a-l-ordre-par-la-bct","status":"publish","type":"post","link":"https:\/\/www.webdo.tn\/fr\/actualite\/national\/tunisie-reduction-des-taux-d-interet-les-banques-rappelees-a-l-ordre-par-la-bct\/219291\/","title":{"rendered":"Tunisie – R\u00e9duction des taux d’int\u00e9r\u00eat : Les banques rappel\u00e9es \u00e0 l\u2019ordre par la BCT"},"content":{"rendered":"

La Banque Centrale de Tunisie a adress\u00e9, ce jeudi 23 janvier 2025, une note aux banques, confirmant que la r\u00e9duction du taux d’int\u00e9r\u00eat directeur fixe sur les pr\u00eats constitue une disposition ex\u00e9cutoire, ayant un caract\u00e8re obligatoire en vertu du texte de loi, et qu’elle ne n\u00e9cessite pas la publication d’une circulaire d’application de la part de la Banque centrale.<\/p>\n

\t\t\t\t\t\t\t\t\tLa Banque centrale a soulign\u00e9 que les banques sont tenues, sans d\u00e9lai, de se conformer \u00e0 l’application de ces dispositions, de pr\u00eater une attention particuli\u00e8re aux demandes pr\u00e9sent\u00e9es par leurs clients \u00e0 cet effet, et de les traiter dans les d\u00e9lais l\u00e9gaux.\u00a0<\/p>\n

Elle a \u00e9galement insist\u00e9 sur l’importance de fournir une r\u00e9ponse motiv\u00e9e aux clients dont la situation ne r\u00e9pond pas aux conditions l\u00e9gales.
\nL\u2019article 412 du Code de commerce a introduit une nouvelle mesure visant \u00e0 r\u00e9duire le taux d’int\u00e9r\u00eat directeur sur les pr\u00eats en cours et \u00e0 r\u00e9\u00e9chelonner les modalit\u00e9s de remboursement.\u00a0<\/p>\n

Cette d\u00e9cision a suscit\u00e9 l’int\u00e9r\u00eat d’une large frange de Tunisiens qui d\u00e9pendent des pr\u00eats pour leur vie quotidienne. Toutefois, cette mesure a soulev\u00e9 de nombreuses interrogations quant aux conditions requises pour en b\u00e9n\u00e9ficier, ouvrant un d\u00e9bat sur son impact potentiel sur les banques.<\/p>\n","protected":false},"excerpt":{"rendered":"

La Banque centrale a soulign\u00e9 que les banques sont tenues, sans d\u00e9lai, de se conformer \u00e0 l’application de ces dispositions, de pr\u00eater une attention particuli\u00e8re…<\/p>\n","protected":false},"author":3163,"featured_media":291713,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[44],"tags":[10886,3063,2807,2608],"class_list":["post-219291","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-national","tag-taux-dinteret","tag-banques","tag-bct","tag-tunisie"],"yoast_head":"\nTunisie - R\u00e9duction des taux d'int\u00e9r\u00eat : Les banques rappel\u00e9es \u00e0 l\u2019ordre par la BCT<\/title>\n<meta name=\"description\" content=\"La Banque centrale a soulign\u00e9 que les banques sont tenues, sans d\u00e9lai, de se conformer \u00e0 l'application de ces dispositions, de pr\u00eater une attention particuli\u00e8re...\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.webdo.tn\/fr\/actualite\/national\/tunisie-reduction-des-taux-d-interet-les-banques-rappelees-a-l-ordre-par-la-bct\/219291\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tunisie - 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