Decree 148 of 2026Tunisia

Honour-loan request — ready to print

Pick your applicant type, fill in your details, download the request as a PDF in the form the bank expects. No interest, no guarantees, ten days to answer.

Bank name

Your details

Full name

National ID (CIN)

Phone

Address

Bank account (RIB)

Place and date

Signed at

Date

Request preview

مطلب الحصول على قرض على الشرف

إلى السيد رئيس فرع بنك: …

الموضوع: مطلب الحصول على قرض على الشرف طبقًا لأحكام الأمر عدد 148 لسنة 2026 المؤرخ في 23 جويلية 2026.

أنا الممضي أسفله

الاسم واللقب: …

رقم بطاقة التعريف الوطنية: …

العنوان: …

رقم الهاتف: …

رقم الحساب البنكي: …

أتشرف بأن أتقدم إلى سيادتكم بهذا المطلب قصد الحصول على قرض على الشرف طبقًا لأحكام الأمر عدد 148 لسنة 2026 المؤرخ في 23 جويلية 2026، وذلك حسب الحالة التالية:

تمويل بقيمة 5.000 دينار

وذلك لتمويل حاجياتي الاستهلاكية طبقًا لأحكام الأمر عدد 148 لسنة 2026.

لذا، أرجو من سيادتكم التكرّم بدراسة هذا المطلب والبتّ فيه في أجل أقصاه عشرة أيام من تاريخ إيداع المطلب كاملًا، طبقًا لأحكام الأمر عدد 148 لسنة 2026.

وتفضّلوا السيد رئيس الفرع بقبول فائق عبارات التقدير والاحترام.

حُرّر بـ: في 02/08/2026

الإمضاء معرّف به

The file is built in your browser. Your ID and bank account never leave your device.

What the decree provides

5,000 TND — individuals

For consumption needs, with no interest, guarantees or guarantor.

10,000 TND — micro-projects

Equipment, operating needs and liquidity for the project.

25,000 TND — enterprises

SMEs and community companies: operations, equipment, raw materials.

Ten days to answer

The bank must decide within ten banking days and justify a refusal. No commission or file fees.

Common questions

What is the honour loan?

A small financing with no interest, no guarantees and no guarantor, created by Decree 148 of 2026 dated 23 July 2026 under Article 412 ter of the Commercial Code. Banks allocate a share of their annual profits to it, and repayment runs to a maximum of two years.

How much can I request?

5,000 dinars for an individual, 10,000 for a micro-project holder, 25,000 for an SME or community company. This tool produces exactly one.

Can the bank ask for a guarantee?

The decree prohibits requiring guarantees or insurance for this financing, and prohibits commission or file-review fees.

How long does the bank have?

Ten banking days at most from the date a complete file is filed, with a duty to justify a refusal. The request text states that deadline explicitly.

Is my data stored?

No. The PDF is produced entirely in your browser, so your ID number and bank account never leave your device. There is no server receiving them.

Is the request enough on its own?

It is the main document, but your branch may ask for attachments — a copy of your ID, bank details, a company registry extract. Check the list with your branch before filing.

This tool reproduces the circulating request template under Decree 148 of 2026 and fills it with your details. It is for guidance, does not replace legal advice, and does not guarantee approval — the decision rests with the bank. Check the required attachments with your branch and the decree text in the Official Journal.

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