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[vc_section css=”.vc_custom_1620130397069{padding-top: 50px !important;padding-bottom: 50px !important;background-image: url(https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/03\/1920×350-pret-universitaire.jpg?id=10350) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”banner-top”][vc_row wrap_container=”yes” css=”.vc_custom_1617053035918{padding-top: 30px !important;padding-bottom: 30px !important;}”][vc_column][vc_custom_heading text=”PLAN EPARGNE ETUDES \u00ab OPTIJEUNES \u00bb” font_container=”tag:h1|font_size:30|text_align:left|color:%231b276f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=””][vc_custom_heading text=”Pour assurer de bonnes \u00e9tudes \u00e0 vos enfants,
\nLe Plan Epargne Etudes OPTIJEUNES\u2026une formule souple et des conditions privil\u00e9gi\u00e9es !” font_container=”tag:h2|text_align:left|color:%231b276f” use_theme_fonts=”yes” font_weight=”400″ text_transform=”none” has_icon=”” css=”.vc_custom_1617053080254{margin-top: 15px !important;}”][\/vc_column][\/vc_row][\/vc_section][vc_row el_class=”breadcrump-container”][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=”top” wrap_container=”yes” css=”.vc_custom_1639489739106{margin-top: 10px !important;margin-bottom: 10px !important;}” el_class=”bloc-row”][vc_column width=”1\/2″ css=”.vc_custom_1639385425836{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}”][vc_custom_heading text=”Avantages” font_container=”tag:h2|font_size:30px|text_align:left|color:%23186e9f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=”” css=”.vc_custom_1640958275724{margin-top: 50px !important;margin-bottom: 20px !important;}” el_class=”border-left-hr”][vc_column_text]<\/p>\n

L\u2019\u00e9pargne d\u00e9fiscalis\u00e9e pour accompagner les \u00e9tudes de vos enfants !<\/h3>\n

\n
• Une \u00e9pargne progressive, \u00e0 votre rythme, avec des versements libres ou r\u00e9guliers jusqu\u2019\u00e0 10.000 dinars.<\/li>\n
• Une r\u00e9mun\u00e9ration avantageuse, exon\u00e9r\u00e9e de l\u2019imp\u00f4t sur le Revenu<\/li>\n
• Un financement libre au terme de la p\u00e9riode de l\u2019\u00e9pargne\u00a0:<\/li>\n<\/ul>\n

  Une bourse mensuelle, en tranches \u00e9gales, durant 2 \u00e0 3 ann\u00e9es (p\u00e9riode \u00e0 convenir).<\/p>\n

  Financement des \u00e9tudes, \u00e0 partir de la 3^{\u00e8me<\/sup>\u00a0 ann\u00e9e, pour un montant fix\u00e9 en fonction de la dur\u00e9e des \u00e9tudes poursuivies et plafonn\u00e9\u00a0 \u00e0 20.000 dinars.[\/vc_column_text][\/vc_column][vc_column width=”1\/2″ css=”.vc_custom_1639385414723{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}”][vc_custom_heading text=”Caract\u00e9ristiques ” font_container=”tag:h2|font_size:30px|text_align:left|color:%23186e9f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=”” css=”.vc_custom_1640958264014{margin-top: 50px !important;margin-bottom: 20px !important;}” el_class=”border-left-hr”][vc_column_text]<\/p>\n}

  Le\u00a0 Plan\u00a0 Epargne\u00a0Etudes\u00a0 OPTIJEUNES est constitu\u00e9 de \u00a0trois\u00a0 phases\u00a0 successives\u00a0:<\/h3>\n

  Une\u00a0phase\u00a0Epargne : \u00a0<\/strong><\/p>\n

  \n
  • Versements libres sans contrainte de p\u00e9riodicit\u00e9- versement minimum initial\u00a0: 50 dinars.<\/li>\n
  • Dur\u00e9e minimale de l\u2019\u00e9pargne\u00a0: 3 ans<\/li>\n
  • Epargne minimale\u00a0: 1.000 dinars<\/li>\n
  • Epargne maximale\u00a0: 10.000 dinars<\/li>\n
  • Les int\u00e9r\u00eats sont exon\u00e9r\u00e9s de l\u2019imp\u00f4t sur le revenu \u2013 Le solde maximum de l\u2019\u00e9pargne donnant droit \u00e0 l\u2019exon\u00e9ration est fix\u00e9 \u00e0 5.000 dinars<\/li>\n<\/ul>\n

     <\/p>\n

    Une\u00a0 phase\u00a0\u00a0 \u201cUtilisation\u00a0de\u00a0l\u2019\u00e9pargne\u00a0capitalis\u00e9e\u201d :\u00a0<\/strong><\/p>\n

    Le montant de l\u2019\u00e9pargne collect\u00e9e est servi\u00a0:<\/p>\n

    \n
    • sous forme de bourse mensuelle\u00a0; soit 10 mois sur 12 par an , soit 12 mois sur 12 par an<\/li>\n
    • en totalit\u00e9\u00a0; le titulaire du compte perd son droit au Pr\u00eat Epargne Etudes.<\/li>\n<\/ul>\n

      Une\u00a0 phase \u201cPr\u00eat\u00a0Epargne\u00a0Etudes\u201d\u00a0:<\/strong><\/p>\n

      \n
      • Le montant du cr\u00e9dit est fix\u00e9 en fonction de la dur\u00e9e des \u00e9tudes poursuivies.<\/li>\n
      • Le plafond du cr\u00e9dit\u00a0: 20.000 dinars.<\/li>\n
      • Dur\u00e9e du cr\u00e9dit\u00a0: entre une et quatre ann\u00e9es en fonction de la fili\u00e8re choisie.<\/li>\n
      • Dur\u00e9e de remboursement\u00a0: 6 ans maximum avec une ann\u00e9e\u00a0 de franchise \u00e0 partir de derni\u00e8re mensualit\u00e9 vers\u00e9e.<\/li>\n<\/ul>\n

        [\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=”top” wrap_container=”yes” css=”.vc_custom_1639489739106{margin-top: 10px !important;margin-bottom: 10px !important;}” el_class=”bloc-row”][vc_column width=”1\/2″ css=”.vc_custom_1639385425836{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}”][vc_custom_heading text=”\u00c9ligibilit\u00e9
        \n” font_container=”tag:h2|font_size:30px|text_align:left|color:%23186e9f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=”” css=”.vc_custom_1640958287668{margin-top: 50px !important;margin-bottom: 20px !important;}” el_class=”border-left-hr”][vc_column_text]<\/p>\n

        Peut souscrire \u00e0 un Plan \u00c9pargne \u00c9tudes\u00a0:<\/h3>\n

        \n
        • Toute\u00a0\u00a0 personne\u00a0\u00a0 physique ayant des enfants\u00a0\u00a0 poursuivant l\u2019enseignement de\u00a0 base\u00a0 ou des\u00a0\u00a0 \u00e9tudes\u00a0\u00a0\u00a0 secondaires, jusqu\u2019au\u00a0niveau\u00a0de\u00a0la\u00a0\u00a0 2\u00e8me<\/sup>\u00a0ann\u00e9e \u00a0de \u00a0l\u2019enseignement secondaire.<\/li>\n<\/ul>\n

          [\/vc_column_text][\/vc_column][vc_column width=”1\/2″ css=”.vc_custom_1639385414723{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}”][vc_custom_heading text=”Documents n\u00e9cessaires” font_container=”tag:h2|font_size:30px|text_align:left|color:%23186e9f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=”” css=”.vc_custom_1641046172339{margin-top: 50px !important;margin-bottom: 20px !important;}” el_class=”border-left-hr”][vc_column_text]<\/p>\n

          Pour souscrire \u00e0 un Plan Epargne Etudes, il suffit de pr\u00e9senter\u00a0:<\/h3>\n

          \n
          • l\u2019extrait de naissance de l\u2019enfant<\/li>\n
          • un certificat de pr\u00e9sence dans un \u00e9tablissement scolaire.<\/li>\n<\/ul>\n

            [\/vc_column_text][\/vc_column][\/vc_row][vc_row wrap_container=”yes”][vc_column][vc_custom_heading text=”PLAN EPARGNE ETUDES \u00ab OPTIJEUNES \u00bb… et les autres !” font_container=”tag:h2|font_size:32|text_align:center|color:%23000000″ use_theme_fonts=”yes” font_weight=”400″ text_transform=”none” has_icon=”” el_class=”title-page-hr-style2″ css=”.vc_custom_1619387515234{margin-bottom: 35px !important;padding-top: 20px !important;}”][vc_row_inner el_class=”row-mixed-box” el_id=”block2″][vc_column_inner width=”1\/3″][\/vc_column_inner][vc_column_inner width=”1\/3″ css=”.vc_custom_1598866383342{margin-bottom: 20px !important;}”][vc_single_image image=”11743″ img_size=”370×200″ alignment=”center” onclick=”custom_link” link=”\/fr\/jeunes\/comptes-epargne\/compte-special-epargne\/”][vc_column_text css=”.vc_custom_1619387597367{border-top-width: 0px !important;border-right-width: 1px !important;border-bottom-width: 1px !important;border-left-width: 1px !important;padding-top: 15px !important;border-left-color: #c2c2c2 !important;border-left-style: solid !important;border-right-color: #c2c2c2 !important;border-right-style: solid !important;border-top-color: #c2c2c2 !important;border-top-style: solid !important;border-bottom-color: #c2c2c2 !important;border-bottom-style: solid !important;border-radius: 1px !important;}” el_class=”min-height-text”]<\/p>\n

            Compte Sp\u00e9cial d\u2019Epargne <\/a><\/h3>\n

            ---

            \n

            Avec le Compte Sp\u00e9cial d\u2019Epargne\u2026l\u2019\u00e9pargne d\u2019aujourd\u2019hui est la ressource de demain !<\/p>\n

            [\/vc_column_text][\/vc_column_inner][vc_column_inner width=”1\/3″][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"

            [vc_section css=”.vc_custom_1620130397069{padding-top: 50px !important;padding-bottom: 50px !important;background-image: url(https:\/\/www.stb.com.tn\/wp-content\/uploads\/2021\/03\/1920×350-pret-universitaire.jpg?id=10350) !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}” el_class=”banner-top”][vc_row wrap_container=”yes” css=”.vc_custom_1617053035918{padding-top: 30px !important;padding-bottom: 30px !important;}”][vc_column][vc_custom_heading text=”PLAN EPARGNE ETUDES \u00ab OPTIJEUNES \u00bb” font_container=”tag:h1|font_size:30|text_align:left|color:%231b276f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=””][vc_custom_heading text=”Pour assurer de bonnes \u00e9tudes \u00e0 vos enfants, Le Plan Epargne Etudes OPTIJEUNES\u2026une formule souple et des conditions privil\u00e9gi\u00e9es !” font_container=”tag:h2|text_align:left|color:%231b276f” use_theme_fonts=”yes” font_weight=”400″ text_transform=”none” has_icon=”” css=”.vc_custom_1617053080254{margin-top: 15px !important;}”][\/vc_column][\/vc_row][\/vc_section][vc_row el_class=”breadcrump-container”][vc_column][vc_column_text][\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=”top” wrap_container=”yes” css=”.vc_custom_1639489739106{margin-top: 10px !important;margin-bottom: 10px !important;}” el_class=”bloc-row”][vc_column width=”1\/2″ css=”.vc_custom_1639385425836{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px !important;}”][vc_custom_heading text=”Avantages” font_container=”tag:h2|font_size:30px|text_align:left|color:%23186e9f” use_theme_fonts=”yes” font_weight=”700″ text_transform=”none” has_icon=”” css=”.vc_custom_1640958275724{margin-top: 50px !important;margin-bottom: 20px !important;}” el_class=”border-left-hr”][vc_column_text] L\u2019\u00e9pargne d\u00e9fiscalis\u00e9e pour accompagner les \u00e9tudes de vos enfants ! Une \u00e9pargne progressive, \u00e0 votre rythme, avec des versements libres ou r\u00e9guliers jusqu\u2019\u00e0 10.000 dinars. Une r\u00e9mun\u00e9ration avantageuse, exon\u00e9r\u00e9e de l\u2019imp\u00f4t sur le Revenu Un financement libre au terme de la p\u00e9riode de l\u2019\u00e9pargne\u00a0: Une bourse mensuelle, en tranches \u00e9gales, durant 2 \u00e0 3 ann\u00e9es (p\u00e9riode \u00e0 convenir). Financement des \u00e9tudes, \u00e0 partir de la 3\u00e8me\u00a0 ann\u00e9e, pour un montant fix\u00e9 en fonction de la dur\u00e9e des \u00e9tudes poursuivies et plafonn\u00e9\u00a0 \u00e0 20.000 dinars.[\/vc_column_text][\/vc_column][vc_column width=”1\/2″ css=”.vc_custom_1639385414723{margin-top: 5px !important;margin-right: 5px !important;margin-bottom: 5px !important;margin-left: 5px !important;padding-top: 5px !important;padding-right: 5px !important;padding-bottom: 5px !important;padding-left: 5px […]<\/p>\n","protected":false},"author":24,"featured_media":9820,"parent":4052,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Compte d'\u00c9pargne \u00c9tudes \u00ab OPTIJEUNES \u00bb pour les \u00c9tudes de Vos Enfants | STB","_seopress_titles_desc":"Le Plan \u00c9pargne \u00c9tudes OPTIJEUNES de la STB offre une \u00e9pargne d\u00e9fiscalis\u00e9e pour financer les \u00e9tudes de vos enfants avec r\u00e9mun\u00e9ration avantageuse et financement adapt\u00e9","_seopress_robots_index":"","footnotes":""},"class_list":["post-4236","page","type-page","status-publish","has-post-thumbnail","hentry"],"publishpress_future_action":{"enabled":false,"date":"2026-05-06 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souple et des conditions privil\u00e9gi\u00e9es !” font_container=”tag:h2|text_align:left|color:%231b276f” use_theme_fonts=”yes” 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