You want to access property and this is your first home to acquire. BTE offers the "first housing loan" formula for the purchase of a property type S + 2 at least.
Whether you are single, married with or without children, you have the opportunity to acquire real estate whether it is:
- Housing, designed for habitation from the outset, under construction or scheduled for construction, to be acquired from a private or public real estate developer approved by the Ministry for housing;
- A built home, ready to be immediately inhabited, to acquire from an individual.
In order to benefit from this credit, the gross monthly income must be between 4.5 and 10 times the SMIG if you are single and between 4.5 and 12 times if you are a family.
The first home loan consists of two parts:
- A housing loan up to 80% of the purchase price up to 176,000 DT repayable over a period of up to 20 years.
- A granting of a first self-financing loan of 20% of the purchase price of the dwelling (which must not exceed 220.000 DT) with a maximum of 44.000 DT.
This credit is granted at a symbolic interest rate, repayable over a period equal to the mortgage loan including a grace period of 5 years in principal plus interest.
