{"id":1224,"date":"2019-08-07T13:21:34","date_gmt":"2019-08-07T11:21:34","guid":{"rendered":"https:\/\/www.stb.com.tn\/fr\/?page_id=1224"},"modified":"2022-03-21T14:36:14","modified_gmt":"2022-03-21T13:36:14","slug":"informations-generales","status":"publish","type":"page","link":"https:\/\/www.stb.com.tn\/fr\/informations-generales\/","title":{"rendered":"INFORMATIONS G\u00c9N\u00c9RALES"},"content":{"rendered":"

[vc_row wrap_container=”yes” css=”.vc_custom_1618572355870{margin-bottom: 20px !important;padding-top: 140px !important;padding-bottom: 80px !important;background-image: url(https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/banner-STB-2-1920×350-2.jpg?id=11452) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”banner-top”][vc_column css=”.vc_custom_1570460359103{padding-top: 0px !important;}”][vc_custom_heading text=”INFORMATIONS G\u00c9N\u00c9RALES
\n” font_container=”tag:h1|font_size:40|text_align:left|color:%231b276f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”uppercase” has_icon=””][\/vc_column][\/vc_row][vc_row el_class=”breadcrump-container” css=”.vc_custom_1609320630781{margin-bottom: 30px !important;}”][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row wrap_container=”yes” el_class=”text-info-gen”][vc_column width=”1\/4″ el_class=”barre-stb”][vc_widget_sidebar sidebar_id=”page-siderbar” el_class=”new-menu”][\/vc_column][vc_column width=”3\/4″][vc_custom_heading text=”LES INFORMATIONS G\u00c9N\u00c9RALES :” font_container=”tag:h2|text_align:left|color:%23186e9f” font_weight=”700″ text_transform=”none” has_icon=”” el_class=”border-left-hr” css=”.vc_custom_1647869651137{margin-bottom: 20px !important;}”][vc_column_text]Arr\u00eat\u00e9 du ministre des finances du 1er mars 2016,
\nportant publication des taux d’int\u00e9r\u00eat effectifs moyens et des seuils des taux d’int\u00e9r\u00eat excessifs correspondants.<\/p>\n

Le ministre des finances,<\/strong><\/p>\n

Vu la constitution,<\/p>\n

Vu la loi n\u00b0 99-64 du 15 juillet 1999, relative aux taux d’int\u00e9r\u00eat excessifs, telle que modifi\u00e9e par la loi n\u00b0 2008-56 du 4 ao\u00fbt 2008,<\/p>\n

Vu le d\u00e9cret n\u00b0 2000-462 du 21 f\u00e9vrier 2000, fixant les modalit\u00e9s de calcul du taux d’int\u00e9r\u00eat effectif global et du taux d’int\u00e9r\u00eat effectif moyen et leur mode de<\/p>\n

publication et notamment son article 5,<\/p>\n

Vu le d\u00e9cret Pr\u00e9sidentiel n\u00b0 2015-35 du 6 f\u00e9vrier 2015, portant nomination du chef du gouvernement et de ses membres,<\/p>\n

Vu la circulaire de la banque centrale de la Tunisie n\u00b0 2000-3 du 27 mars 2000, portant fixation des cr\u00e9dits soumis au m\u00eame taux d’int\u00e9r\u00eat excessif et des commissions bancaires entrant dans le calcul des taux d’int\u00e9r\u00eat effectifs globaux et d\u00e9termination des taux d’int\u00e9r\u00eats effectifs moyens sur les cr\u00e9dits bancaires, telle que modifi\u00e9e et compl\u00e9t\u00e9e par la circulaire n\u00b0 2013-12 du 3 octobre 2013,<\/p>\n

Vu le taux d’int\u00e9r\u00eat effectif moyen relatif au deuxi\u00e8me semestre 2015 d\u00e9termin\u00e9 par la banque centrale de Tunisie au titre de chaque cat\u00e9gorie de concours bancaire.<\/p>\n

Arr\u00eate :<\/strong><\/p>\n

Article premier – Le tableau suivant comporte le taux d’int\u00e9r\u00eat effectif moyen relatif au deuxi\u00e8me semestre 2015 pour chaque cat\u00e9gorie de concours bancaire ainsi que le seuil du taux d’int\u00e9r\u00eat excessif correspondant au titre du premier semestre 2016.<\/p>\n\n\n\n\n\n\n\n\n\n\n\n
Cat\u00e9gorie des concours<\/strong><\/td>\nTaux d\u2019int\u00e9r\u00eat effectif moyen (%)<\/strong><\/td>\nSeuil du taux d\u2019int\u00e9r\u00eat excessif correspondant (%)<\/strong><\/td>\n<\/tr>\n
1. Leasing mobiliers et immobiliers<\/td>\n10,26<\/td>\n12,31<\/td>\n<\/tr>\n
2. Cr\u00e9dits \u00e0 la consommation<\/td>\n8,96<\/td>\n10,75<\/td>\n<\/tr>\n
3. D\u00e9couverts mat\u00e9rialis\u00e9s ou non par des effets<\/td>\n8,59<\/td>\n10,30<\/td>\n<\/tr>\n
4. Cr\u00e9dits \u00e0 l\u2019habitat financ\u00e9s sur les ressources ordinaires des banques<\/td>\n8,09<\/td>\n9,70<\/td>\n<\/tr>\n
5. Affacturage<\/td>\n8,15<\/td>\n9,78<\/td>\n<\/tr>\n
6. Cr\u00e9dits \u00e0 long terme<\/td>\n7,45<\/td>\n8,94<\/td>\n<\/tr>\n
7. Cr\u00e9dits \u00e0 moyen terme<\/td>\n7,54<\/td>\n9,04<\/td>\n<\/tr>\n
8. Cr\u00e9dits \u00e0 court terme d\u00e9couverts non compris<\/td>\n7,01<\/td>\n8,41<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Art. 2 – Le pr\u00e9sent arr\u00eat\u00e9 sera publi\u00e9 au Journal Officielle de la R\u00e9publique Tunisienne.Tunis, le 1er\u00a0mars 2016.<\/p>\n

Le ministre des finances<\/strong>
\nSlim Chaker<\/strong>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"

[vc_row wrap_container=”yes” css=”.vc_custom_1618572355870{margin-bottom: 20px !important;padding-top: 140px !important;padding-bottom: 80px !important;background-image: url(https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/banner-STB-2-1920×350-2.jpg?id=11452) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”banner-top”][vc_column css=”.vc_custom_1570460359103{padding-top: 0px !important;}”][vc_custom_heading text=”INFORMATIONS G\u00c9N\u00c9RALES ” font_container=”tag:h1|font_size:40|text_align:left|color:%231b276f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”uppercase” has_icon=””][\/vc_column][\/vc_row][vc_row el_class=”breadcrump-container” css=”.vc_custom_1609320630781{margin-bottom: 30px !important;}”][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row wrap_container=”yes” el_class=”text-info-gen”][vc_column width=”1\/4″ el_class=”barre-stb”][vc_widget_sidebar sidebar_id=”page-siderbar” el_class=”new-menu”][\/vc_column][vc_column width=”3\/4″][vc_custom_heading text=”LES INFORMATIONS G\u00c9N\u00c9RALES :” font_container=”tag:h2|text_align:left|color:%23186e9f” font_weight=”700″ text_transform=”none” has_icon=”” el_class=”border-left-hr” css=”.vc_custom_1647869651137{margin-bottom: 20px !important;}”][vc_column_text]Arr\u00eat\u00e9 du ministre des finances du 1er mars 2016, portant publication des taux d’int\u00e9r\u00eat effectifs moyens et des seuils des taux d’int\u00e9r\u00eat excessifs correspondants. Le ministre des finances, Vu la constitution, Vu la loi n\u00b0 99-64 du 15 juillet 1999, relative aux taux d’int\u00e9r\u00eat excessifs, telle que modifi\u00e9e par la loi n\u00b0 2008-56 du 4 ao\u00fbt 2008, Vu le d\u00e9cret n\u00b0 2000-462 du 21 f\u00e9vrier 2000, fixant les modalit\u00e9s de calcul du taux d’int\u00e9r\u00eat effectif global et du taux d’int\u00e9r\u00eat effectif moyen et leur mode de publication et notamment son article 5, Vu le d\u00e9cret Pr\u00e9sidentiel n\u00b0 2015-35 du 6 f\u00e9vrier 2015, portant nomination du chef du gouvernement et de ses membres, Vu la circulaire de la banque centrale de la Tunisie n\u00b0 2000-3 du 27 mars 2000, portant fixation des cr\u00e9dits soumis au m\u00eame taux d’int\u00e9r\u00eat excessif et des commissions bancaires entrant dans le calcul des taux d’int\u00e9r\u00eat […]<\/p>\n","protected":false},"author":24,"featured_media":13332,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","footnotes":""},"class_list":["post-1224","page","type-page","status-publish","has-post-thumbnail","hentry"],"publishpress_future_action":{"enabled":false,"date":"2026-05-08 21:41:00","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"language"},"rttpg_featured_image_url":{"full":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher.jpg",370,200,false],"landscape":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher.jpg",370,200,false],"portraits":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher.jpg",370,200,false],"thumbnail":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher-150x150.jpg",150,150,true],"medium":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher-300x162.jpg",300,162,true],"large":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher.jpg",370,200,false],"1536x1536":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher.jpg",370,200,false],"2048x2048":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher.jpg",370,200,false],"saturnthemes-financebank-full-thumb":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher.jpg",370,200,false],"saturnthemes-financebank-grid-thumb":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher-270x146.jpg",270,146,true],"saturnthemes-financebank-grid-style1":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher-370x200.jpg",370,200,true],"saturnthemes-financebank-grid-style2":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher.jpg",370,200,false],"saturnthemes-financebank-service-grid":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher-370x200.jpg",370,200,true],"saturnthemes-financebank-staff-grid":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher-270x200.jpg",270,200,true],"rpwe-thumbnail":["https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/imgrecher.jpg",45,24,false]},"rttpg_author":{"display_name":"Rim Jridi","author_link":"https:\/\/www.stb.com.tn\/fr\/author\/rym-pixels\/"},"rttpg_comment":0,"rttpg_category":" Fran\u00e7ais<\/a>","rttpg_excerpt":"[vc_row wrap_container=”yes” css=”.vc_custom_1618572355870{margin-bottom: 20px !important;padding-top: 140px !important;padding-bottom: 80px !important;background-image: url(https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/04\/banner-STB-2-1920×350-2.jpg?id=11452) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”banner-top”][vc_column css=”.vc_custom_1570460359103{padding-top: 0px !important;}”][vc_custom_heading text=”INFORMATIONS G\u00c9N\u00c9RALES ” font_container=”tag:h1|font_size:40|text_align:left|color:%231b276f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”uppercase” has_icon=””][\/vc_column][\/vc_row][vc_row el_class=”breadcrump-container” css=”.vc_custom_1609320630781{margin-bottom: 30px !important;}”][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row wrap_container=”yes” el_class=”text-info-gen”][vc_column width=”1\/4″ el_class=”barre-stb”][vc_widget_sidebar sidebar_id=”page-siderbar” el_class=”new-menu”][\/vc_column][vc_column width=”3\/4″][vc_custom_heading text=”LES INFORMATIONS G\u00c9N\u00c9RALES :” font_container=”tag:h2|text_align:left|color:%23186e9f” font_weight=”700″ text_transform=”none” has_icon=”” el_class=”border-left-hr” css=”.vc_custom_1647869651137{margin-bottom: 20px !important;}”][vc_column_text]Arr\u00eat\u00e9 du ministre des\u2026","_links":{"self":[{"href":"https:\/\/www.stb.com.tn\/fr\/wp-json\/wp\/v2\/pages\/1224"}],"collection":[{"href":"https:\/\/www.stb.com.tn\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.stb.com.tn\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.stb.com.tn\/fr\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/www.stb.com.tn\/fr\/wp-json\/wp\/v2\/comments?post=1224"}],"version-history":[{"count":0,"href":"https:\/\/www.stb.com.tn\/fr\/wp-json\/wp\/v2\/pages\/1224\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.stb.com.tn\/fr\/wp-json\/wp\/v2\/media\/13332"}],"wp:attachment":[{"href":"https:\/\/www.stb.com.tn\/fr\/wp-json\/wp\/v2\/media?parent=1224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}