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Tunisia Auto Credit & Car Loan Calculator (BCT 40% Limit)

Calculate monthly car loan installments, minimum down payment (Autofinancement), interest charges, and 40% debt burden capacity in Tunisia (BIAT, Attijari, BH Bank, STB).

Hesaplama Girdileri

Anlık Canlı Hesaplama
TND
Hızlı seçim:
TND
Hızlı seçim:
20 %
10 %60 %
5 Yrs
1 Yrs7 Yrs
6.5 %
3.5 %12 %
Hesaplanan SonuçTunisia Auto Credit

Monthly Car Credit Installment

671.33TND

Autofinancement Required

7,600 TND

Total Interest Cost

9,880 TND

Taux d'Endettement

41.96%

Debt Ratio Alert: Installment exceeds 40% net salary limit under BCT circulars. Increase down payment.

Down Payment vs Principal vs Interest

Cash Down Payment
7,600 TND(16%)
Loan Principal Financed
30,400 TND(63%)
Total Financial Interest
9,880 TND(21%)

Ayrıntılı Hesaplama Dökümü

Vehicle Total Price
38,000 TND
Cash Down Payment
7,600 TND
Loan Principal Financed
30,400 TND
Total Financial Interest
9,880 TND
Total Amount Repaid
40,280 TND

Hesaplama Metodolojisi

Installment = (Financed Principal + Total Interest) / (Tenure * 12), capped at 40% of certified net monthly income under Banque Centrale de Tunisie (BCT) circulars.

Yasal ve Bilgilendirici Uyarı

This calculator is for estimation and simulation. Final APR is linked to the Money Market Rate (TMM) and commercial bank lending policies.

Bu hesaplayıcı yalnızca eğitim ve bilgilendirme amaçlıdır. Sonuçlar bağlayıcı finansal veya hukuki tavsiye niteliği taşımaz.

Sıkça Sorulan Sorular

Under BCT directives, minimum self-financing (autofinancement) is 10-20% for popular small cars (up to 4 CV) and 20-40% for larger passenger vehicles.
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