Profit rates on products

Product Fixed profit rate Period of funding Decreasing Profit Ratio Actual Annual Percentage (APR) * Illustrative example of how the actual yield of the product is calculated
minimum Maximum by customer category minimum Maximum by customer category minimum Maximum by customer category
Personal financing 6.25% 7.50% 1 11.23% 13.43% 13.14% 15.35% Amount of financing = 100 thousand dinars
6.25% 7.50% 2 11.43% 13.62% 12.44% 14.64% Fixed profit rate = 6.25%
6.25% 7.50% 3 11.37% 13.51% 12.07% 14.22% Decreasing Profit Rate = %
6.25% 7.50% 4 11.25% 13.33% 11.79% 13.88% Financing period: 1 year
6.50% 7.75% 5 11.52% 13.54% 11.96% 13.99% Additional costs (1% one-time financing commission)
6.50% 7.75% 6 11.37% 13.33% 11.75% 13.72% When applying the equation approved by the Central Bank, it is the actual annual percentage
6.50% 7.75% 7 11.22% 13.13% 11.55% 13.47% 13.14%  (Effective APR)
Equity Financing 6.50% 7.75% 1 11.67% 13.86% 13.58% 15.78% Amount of financing = 100 thousand dinars
6.50% 7.75% 2 11.87% 14.05% 12.89% 15.07% Fixed profit rate = 6.50%
6.50% 7.75% 3 11.80% 13.94% 12.50% 14.65% Decreasing Profit Rate = %
6.50% 7.75% 4 11.67% 13.74% 12.21% 14.29% Financing period: 1 year
6.75% 8.00% 5 11.93% 13.93% 12.37% 14.38% Additional costs (1% one-time financing commission)
6.75% 8.00% 6 11.77% 13.72% 12.15% 14.11% When applying the equation approved by the Central Bank, it is the actual annual percentage
6.75% 8.00% 7 11.61% 13.51% 11.94% 13.85% 13.58%  (Effective APR)
Car Financing 5.25% 6.25% 1 9.47% 11.23% 11.37% 13.14% Amount of financing = 100 thousand dinars
5.25% 6.25% 2 9.65% 11.43% 10.66% 12.44% Fixed profit rate = 5.25%
5.25% 6.25% 3 9.63% 11.37% 10.32% 12.07% Decreasing Profit Rate = %
5.25% 6.25% 4 9.55% 11.25% 10.08% 11.79% Financing period: 1 year
5.75% 6.75% 5 10.29% 11.93% 10.73% 12.37% Additional costs (1% one-time financing commission)
5.75% 6.75% 6 10.16% 11.77% 10.53% 12.15% When applying the equation approved by the Central Bank, it is the actual annual percentage
5.75% 6.75% 7 10.04% 11.61% 10.36% 11.94% 11.37%  (Effective APR)
Land Murabaha 5.25% 6.00% 1 9.47% 10.79% 11.37% 12.70% Amount of financing = 100 thousand dinars
5.25% 6.00% 2 9.65% 10.98% 10.66% 11.99% Fixed profit rate = 5.25%
5.25% 6.00% 3 9.63% 10.94% 10.32% 11.64% Decreasing Profit Rate = %
5.25% 6.00% 4 9.55% 10.82% 10.08% 11.36% Financing period: 1 year
5.50% 6.25% 5 9.87% 11.11% 10.30% 11.55% Additional costs (1% one-time financing commission)
5.50% 6.25% 6 9.76% 10.97% 10.13% 11.34% When applying the equation approved by the Central Bank, it is the actual annual percentage
5.50% 6.25% 7 9.65% 10.83% 9.97% 11.16% 11.37%  (Effective APR)
Residential Leasing 7.50% 8.25% – 9.393% 7.664% -10.15% Amount of financing = 100 thousand dinars
From 1 to 15 years 8.42% Decreasing Profit Rate = 7.5 %
Financing period: 1 year
Additional costs (1% one-time financing commission)
From 15 to 20 years 7.75% 8.50% – 7.916%                 7.884% -8.67% When applying the equation approved by the Central Bank, it is the actual annual percentage
8.64%
From 20 to 25 years 7.75% 8.25% – 7.884%  7.866% -8.39% 9.393%  (Effective APR)
8.37%
Residential Leasing 8.00% 8.50% – 9.895%  8.167% – 10.397%  8.669% The amount of financing = 100 thousand dinars
From 1 to 15 years Decreasing Profit Rate = 8%
Financing period is 1 year
Additional costs (1% one-time financing commission)
From 15 to 20 years 8.25% 8.75% – 8.418%  8.387% -8.92% When applying the formula approved by the Central Bank, it is the actual annual percentage
8.89%
From 20 to 25 years 8.50% 8.50% – 8.638%   8.620% -8.64% %9.895 (Effective APR)
8.62%
Commercial Real Estate Leasing 8.25% 9.00% – 10.146%  8.167% – 10.900%  9.172% The amount of financing = 100 thousand dinars
From 1 to 15 years Decreasing Profit Rate = 8.25%
Financing period is 1 year
Additional costs (1% one-time financing commission)
From 15 to 20 years 8.50% 9.25% – 8.669%  8.638% -9.42% When applying the formula approved by the Central Bank, it is the actual annual percentage
9.39%
From 20 to 25 years 8.75% 8.75% – 8.890%      8.872% -8.89% %10.146 (Effective APR)
8.87%