| 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% | ||||||||
