🤪Je souhaite acheter une maison en tunisie et je voudrais savoir où peux t-on obtenir un crédit immobilier en France. En effet, je sais que beaucoup de banque française sont reticente pour les crédits d'investissement à l'étranger et pourtant tous les étrangers achètent un immobilier dans leur pays, comment font-ils ? merci de vos renseignements précis.
Si vous avez ces informations merci de me communiquer le taux d'intérêt approximatif.
Le systême bancaire en général est basé sur l'appréciation du risque d'insolvabilité.
à partir de là, une banque refuse toujours un prêt "hypothècaire" d'un immeuble situé à l'étranger sur lequel on veut placer l'hypothèque puisque celui ci ne sera pas saisissable légalement et facilement en cas de faillite personnelle (étant à l'étranger).
Sur cette constatation, il est donc impossible d'avoir une hypthèque dans son pays de résidence et sa banque "habituelle" pour un achat à l'étranger.
La seule solution d'emprunt est un emprunt personnel avec garanties de solvabilités très solides dans son pays de résidence.
Aucune chance de pouvoir placer sa maison de vacances en Tunisie en garantie.
L'exemple le plus facile est d'être propriétaire sans hypothèque de sa maison dans son pays et de la remettre en hypothèque pour toucher un montant assez gros pour acheter à l'étranger avec ces liquidités nouvelles.
En cas de non paiement, adieu votre maison dans votre pays et les garanties bancaires seront parfaites pour la banque.
PS: il vous restera toujours le cabanon au bord de mer à Djerba :)
Je suis a peu pres d'accord aec vous mais le systeme francais est different du systeme bancaire anglo-saxon.
Tu ne peux pas emprunter plus en hypothequant ta maison. Ce type d'emprunt n'existe pas et est illegal en france.
Pour son cas c'est soit un emprunt a titre personnel (sans justifier l'objet du pret) soit d'apporter en garantie, comme tu l'as dit, son appartement/maison pour la banque.
Il y a une 3eme solution mais qui n'est valable que si on a la nationalité du pays d'achat c'est de faire le credit en tunisie meme.
C'est donc une piste intéressante pour générer du "cash" pour un achat à l'étranger.
Egalement, la piste d'un emprunt dans le pays où l'on achète. Suivant le pays, pas toujours besoin "légalement" d'être un ressortissant de ce pays pour emprunter par contre, il y aura encore et toujours le principe de solvabilité et du risque. Il sera impossible pour le banquier de vous prêter de l'argent puisqu'il ne sera pas en mesure de saisir vos revenus puisqu'ils viennent de l'étranger (votre pays d'origine).
🤪Je souhaite acheter une maison en tunisie et je voudrais savoir où peux t-on obtenir un crédit immobilier en France. En effet, je sais que beaucoup de banque française sont reticente pour les crédits d'investissement à l'étranger et pourtant tous les étrangers achètent un immobilier dans leur pays, comment font-ils ? merci de vos renseignements précis.
Si vous avez ces informations merci de me communiquer le taux d'intérêt approximatif. bjr monsieur etant un avocat tunisien specialiste ds l'immobilier je peux vs affirmer que vs pourriez acquerir votre maison en tunisie en la financant par divers moyens notamant les banques tunisiennes implanté en france, en l'occurence la b.h ceci dit avant de penser au financement, y aura d'autres ptits pepins a surmonter notamant la legalité de la situation finonciere de votre eventuel immeuble et aussi l'obtention de l'autorisation du gouverneur territoriallement competent. bref tout une procedure a respecter pour pouvoir beneficier de votre immeuble avec toute garantie legale. si vs avez d'autre qst je me ferais une joie de vs repondre. mes respects nizar
je recherche deseperement un pret immobilier pour acheter en tunisie, les banques francaises me demande des garanties trop importante notament l 'hypotheque d 'un bien immobilier que je n 'ai pas, aurait tu une solution pour je puisse en contracter un en tunisie sans avoir besoin d 'etre de nationalite tunisienne.
Si votre projet est toujours d'actualité, il existe une solution de financement en France pour un bien réaliser en Tunisie. N'hésitez pas a me faire signe pour vous communiquer les éléments en privé.
Suite à ta discussion avec clara, je suis dans le même cas je suis sur l'achat d'une maison en tunisie et je ne trouve pas de financeur en france alors je te laisse mon adresse mail pour en discuter: djamito@hotmail.fr
Comme cela fut dit dans la discussion, il y a longtemps, avant de penser même à acheter en Tunisie, vérifiez bien que vous achetez dans une zone touristique à bâtir et pas en terrain agricole, car il est interdit aux étrangers d'acquérir des terres agricoles tunisiennes.
Comme on vous l'a dit, il faut etre certain d'obtenir l'autorisation du Gouvernbeur ensuite pour acheter.
Il y a pas mal d'arnaques immobilières en Tunisie (comme dans tous les pays quand on ne connaît pas bien la léguslation d'ailleurs): faites faire une étude sérieuse de votre projet avant de vous lancer, par des professionnels sérieux..
Personnellement j'attendrais encore un peu, avant d'acheter en Tunisie, que la constitution tunisienne soit votée et les nouvelles lois immobilières promulgée: il ne faudrait pas que vous achetiez un bien, construiosiez dessus et ne puissiez plus le vendre ensuite et ressortir l'argent de TUnisie.
Pour ma part, la sécurité juridique n'est pas parfaite, loin de là, mais ce n'est que mon avis, et tout dépend de la proportion de votre investissement par rapport à votre fortune totale.
En effet les banques françaises sont plus exigeantes lorsqu'il s'agit d'accorder des crédit pour un investissement. J'en ai fait moi même les frais il y 1 an quand j'ai acheté un bien au Italie. Ma banque m'avait refusé mon crédit alors j'ai cherché et il existe des sociétés qui s'occupe que des financements pour l'étranger. Il y a des infos sur Credit International si tu veux.
Après pour les taux, ça dépend de l'apport initial et du pays. Pour ça je pense que seul les gens qui travaillent dans la finance peuvent répondre.
My name is Deborah, I’m French. I’m married and have two children. I’m a clinical psychologist specializing in psychotraumatology, and I’m also pursuing medical studies.
For some time now, I’ve been seriously considering moving to the United States. My long-term goal is to practice medicine in the U.S., with a particular interest in forensic pathology. I know the journey is demanding (USMLE, residency, fellowship, etc.), but I’m ready to commit to several years of hard work.
For now, I’m focused on building this project thoughtfully. I want to improve my English, better understand the American system, and connect with people who’ve already gone through this process or are living in the U.S.
I have a few questions:
- Are there any doctors or international students here who’ve successfully matched into a U.S. residency?
- When did you start preparing for the USMLE?
- What advice would you give to someone still in medical school?
- Which states would you recommend for a future career in forensic pathology, with a good quality of life and good schools for kids?
- Is it better to do an observership or a research fellowship before applying for residency?
- What are, in your opinion, the pitfalls to avoid when planning such a project?
Thank you so much to everyone who takes the time to respond. I’d really appreciate any advice or experiences you can share!
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I don’t have a specific country in mind yet, so I’m open to hearing about your experiences on this topic—the pros and cons, etc.
Hi there!
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I found housing that costs me 7,000 baht (I know it’s a bit pricey, but it’s super convenient...), which works out to about 160 € all-inclusive. So, I was wondering if it’s realistic to live on 500 or 600 € per month, and if so, under what conditions? Is that enough, considering I’ll be working 40 hours a week?
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WEP offers loads of different projects, including one I really like: helping and volunteering on a farm, particularly in South America (Peru or Argentina).
I’d love to know if anyone has tried this project or knows someone who has... or has done something similar? I’d like to get some feedback before diving into the adventure.
If so, could you share your thoughts on the project, any tips, etc.?
Hi there,
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PS: Same question for my wife, a nurse, regarding her integration.
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In the summer of 2026, my husband is being transferred to New Caledonia. We’ll be living near Nouméa. Do you know if the early childhood sector is a good field for jobs there?
Can’t wait to discover this island! Right now, we’re in the middle of all the administrative paperwork for our 3 kids, finding housing, bringing our cat to the territory, and so on!
Thanks for your feedback!!
Hi there,
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You can send me a message.
Best regards,
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I’d like to get some information about my eligibility for the DV Lottery.
About my background:
• I earned a *Bac Pro* through VAE (*Validation des Acquis de l’Expérience*), issued by the *Éducation nationale*.
• I also have a professional certification as a *Conseiller en Insertion* (Employment Counselor), issued by the Ministry of Labor.
• Altogether, this adds up to a *Bac+2* level.
I’d like to know if this level qualifies me to apply for the DV Lottery.
Regarding my work experience:
• I work as an *Employment Counselor*.
• I checked on O*Net Online for the classification: Job Zone 4, SVP Range: 7.0 – <8.0.
• I only have one year of experience, but I handle similar tasks in business creation.
So my question is: can I apply for the DV Lottery despite my relatively short experience, given that my job falls under Job Zone 4?
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I’m an osteopath and I’d like to set up and open an osteopathy practice in Thailand. I don’t have a precise location in mind yet, but I’m thinking maybe Hua Hin.
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So I’m reaching out to people who live there or know the country well:
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Hello everyone,
We’re a small family from the south of France, with a 2-year-old little boy, and we’re dreaming of starting a new adventure abroad by opening our own business. For now, we haven’t chosen a specific destination yet.
We mainly speak French, with a basic level of Spanish and English, and we’re ready to improve these two languages if needed. We’re looking for a multicultural, safe country with quality healthcare and good schools accessible for our son. We’d also love a pleasant place with a mild climate where life is good.
Our idea is to travel to different countries to explore, compare, and refine our project. We’d be really happy to read your tips, experiences, or anecdotes if you’ve already undertaken a similar project or if you know key points to anticipate.
Thanks in advance for your shares and help—it would really help us move forward with our project! 😄
Hi everyone,
I’m heading to Dublin as an au pair in a few weeks.
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Hi everyone, so I’m planning to go study at a community college in the U.S., but the only snag is which one—there are so many options over there! I’ve heard about one in California, Diablo Valley College, and another in Florida, Valencia College. I know both states are super attractive for tourism, but my main criteria are teaching quality and price. I’m open to any advice, comments, or suggestions—thanks in advance! The start of the semester is coming up, and I’m a little nervous...
READY, SET...... GO...... TO YOUR KEYBOARDS!!!!!!!! lol
Hi! I’m looking for an apartment in Malaga from September (2025) until January for my Erasmus exchange, but I’m not finding much, and it seems like there are a lot of scams. Does anyone have any leads or tips? Thanks!^^
