How do TMM rate fluctuations affect monthly installments?

For variable-rate contracts, any adjustment in the published monthly TMM automatically adjusts the financing charge component of future payments.

What is the residual value (Valeur Résiduelle) in leasing?

It is the agreed buyout price paid at the conclusion of the lease term to transfer full legal asset ownership to the lessee.

TunisiaUpdated for 2026Finance

Tunisia Money Market Rate (TMM) & Leasing Calculator 2026

Calculate total variable borrowing rates (TMM + bank spread) and monthly installments for loans and equipment leasing in Tunisia.

Finance & Investment Interest Rates & APR Monthly Installments

Calculated Result

Monthly Financing Installment

982.9TND / mo

Calculator Inputs

Financed Capital Amount

TND / mo

Quick select:

Current Benchmark TMM Rate (%)

Quick select:

Lender Margin / Spread (%)3.25 %

1 %6 %

Financing Term (Years)

yrs

Quick select:

Monthly Financing Installment

982.9TND / mo

Total Combined Rate (TMM + Spread)

11.2%

Total Finance Cost

13,974.18 TND

Total Repayment

58,974.18 TND

The total borrowing rate is relatively high; consider negotiating the lender spread.

Principal vs Interest Repayment

Financed Principal

45,000 TND / mo(76%)

Total Interest Over Term

13,974.18 TND / mo(24%)

Calculations reflect official Central Bank of Tunisia money market benchmark rates (TMM) and commercial bank leasing spreads.

This calculator is a mathematical model for general financial estimation, planning, and educational guidance. Results depend on your inputs and standard formulas, and do not constitute binding financial, tax, or investment advice. Always consult a qualified professional before making financial decisions.

Official Statute: مناشير البنك المركزي التونسي المنظمة لمعدل السوق النقدية (TMM) وعمليات الإيجار المالي والقروض البنكيةLast Verified: 2026-09-06

Calculation Methodology

Total Rate = TMM Benchmark Rate + Bank Margin. Monthly payment is determined via amortization schedules with optional leasing residual buyout values.

Frequently Asked Questions

TMM (Taux du Marché Monétaire) is the benchmark interbank interest rate set monthly by the Central Bank of Tunisia, used as index for variable loans.

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Tunisia

Tunisia Money Market Rate (TMM) & Leasing Calculator 2026

Calculator Inputs

Principal vs Interest Repayment

Calculation Methodology

Frequently Asked Questions

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