L\u2019encours des cr\u00e9dits non-professionnels accord\u00e9s aux personnes de la part des banques est estim\u00e9 \u00e0 la date de septembre 2020, \u00e0 24 943 millions de dinars.<\/p>\n
Cet \u00a0encours s\u2019est accru de 3,7 % pendant les neuf premiers mois de l\u2019ann\u00e9e 2020, soit une hausse de 890 millions de dinars.<\/p>\n
Cette \u00e9volution, ayant atteint son apog\u00e9e en avril, mai, juin et juillet 2020, s\u2019explique par le report du remboursement des cr\u00e9dits bancaires pour une p\u00e9riode oscillant entre 3 et 6 mois d\u00e9cid\u00e9 par les banques, \u00e0 cause de la pand\u00e9mie du Coronavirus.<\/p>\n
Depuis le d\u00e9but de l\u2019ann\u00e9e 2020 jusqu\u2019\u00e0 septembre, les cr\u00e9dits de consommation ont connu un accroissement de 7 %, en passant de 9149 millions de dinars en janvier, \u00e0 9643 millions de dinars en septembre.<\/p>\n
Les cr\u00e9dits logements ont connu une l\u00e9g\u00e8re augmentation, dans une proportion de 1,6% passant de 11 153 millions de dinars \u00e0 11 463 millions de dinars au cours de la m\u00eame p\u00e9riode.<\/p>\n
Les cr\u00e9dits destin\u00e9s \u00e0 l\u2019am\u00e9lioration du logement ont augment\u00e9 de 4,8 %, selon les donn\u00e9es de la banque centrale.<\/p>\n
La tendance g\u00e9n\u00e9rale de l\u2019octroi des cr\u00e9dits r\u00e9v\u00e8le une importante r\u00e9gression des cr\u00e9dits non-professionnels octroy\u00e9s par les banques aux personnes. L\u2019encours de ces cr\u00e9dits a augment\u00e9 de 10,6 % en 2017, 5,4 % en 2018, et 0,3 % en 2019.<\/p>\n
Cette r\u00e9gression s\u2019explique par plusieurs raisons, dont la hausse continue du taux d\u2019int\u00e9r\u00eat directeur de la part de la banque centrale, l\u2019incapacit\u00e9 de plusieurs personnes \u00e0 s\u2019endetter pour avoir atteint le plafond, outre la politique adopt\u00e9e par la Banque centrale de Tunisie, envers les cr\u00e9dits de consommation.<\/p>\n
\u00a0<\/p>\n
\u00a0<\/p>\n
\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"L\u2019encours des cr\u00e9dits non-professionnels accord\u00e9s aux personnes de la part des banques est estim\u00e9 \u00e0 la date de septembre 2020, \u00e0 24 943 millions de dinars. Cet \u00a0encours s\u2019est accru de 3,7 % pendant les neuf premiers mois de l\u2019ann\u00e9e 2020, soit une hausse de 890 millions de dinars. Cette \u00e9volution, ayant atteint son apog\u00e9e [...]","protected":false},"author":4,"featured_media":23743,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override":[{"single_blog_custom":"","sidebar":"","second_sidebar":"","share_position":"","share_float_style":"","post_date_format":"","post_date_format_custom":"","post_reading_time_wpm":"","zoom_button_out_step":"1","zoom_button_in_step":"1","number_popup_post":"1"}],"image_override":[{"single_post_thumbnail_size":"","single_post_gallery_size":""}],"trending_post_position":"","trending_post_label":"","sponsored_post_label":"","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo":"","sponsored_post_desc":""},"jnews_primary_category":{"id":""},"jnews_override_bookmark_settings":[],"jnews_review":[],"enable_review":"","type":"","name":"","summary":"","brand":"","sku":"","good":[],"bad":[],"score_override":"","override_value":"","rating":[],"price":[],"jnews_post_split":[],"footnotes":""},"categories":[14,43],"tags":[1475,6383,864],"class_list":["post-23742","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banks","category-eco-business","tag-banques","tag-credits-de-consommation","tag-hausse"],"_links":{"self":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/23742","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23742"}],"version-history":[{"count":2,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/23742\/revisions"}],"predecessor-version":[{"id":23745,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/23742\/revisions\/23745"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/media\/23743"}],"wp:attachment":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23742"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23742"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23742"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}