Outstanding non-professional bank loans (personal loans) recorded a slight increase of 368 million dinars during the first nine months of 2025, reaching 30,404 million dinars at the end of September, compared with 30,036 million dinars at the end of December 2024 — a rise of 368 million dinars (+1.23%), according to data from the Central Bank of Tunisia (BCT).
Loans dedicated to home improvement posted a significant increase, rising from 10,953 million dinars to 11,317 million dinars — an increase of 3.32% (+364 million dinars).
Conversely, loans for home purchases declined to 13,545 million dinars, compared with 13,328 million dinars at the end of 2024, marking a drop of 217 million dinars (-1.6%).
At the same time, outstanding consumer loans rose by 4%, increasing from 5,109 million dinars to 5,313 million dinars — up 204 million dinars.
Loans for vehicle purchases also saw a slight rise, reaching 430.3 million dinars, compared with 414 million dinars at the end of December 2024.
By contrast, outstanding university loans remained almost unchanged compared with end-2024, standing at around 15 million dinars at the end of September 2025.
As a reminder, household indebtedness within the banking sector totalled 29,407 million dinars in 2024, compared with 28,754 million dinars the previous year — an increase of 2.3% (compared with 3.1% in 2023 and 4.8% in 2022).
According to the BCT, this slowdown is mainly attributable to the sharp deceleration in housing loans, whose growth rate was limited to 0.8% in 2024.
Meanwhile, the share of personal loans in total credit to the economy has remained stable over the past three years, reaching 24.8% at the end of 2024. Their share of GDP fell to 18.5% in 2024, compared with 19.3% in 2023.
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