[{"data":1,"prerenderedAt":780},["ShallowReactive",2],{"post:\u002Fen\u002Fblog\u002Fhow-leasing-works-in-tunisia":3,"related:\u002Fen\u002Fblog\u002Fhow-leasing-works-in-tunisia":219},{"id":4,"title":5,"body":6,"category":195,"date":196,"description":197,"extension":198,"faq":199,"h1":209,"key":210,"meta":211,"navigation":212,"path":213,"rawbody":214,"readingTime":215,"seo":216,"stem":217,"updated":196,"__hash__":218},"blog_en\u002Fen\u002Fblog\u002Fhow-leasing-works-in-tunisia.md","Leasing in Tunisia: how does it work?",{"type":7,"value":8,"toc":184},"minimark",[9,13,18,34,38,60,64,97,101,104,118,131,135,138,168,172],[10,11,12],"p",{},"Leasing is one of the most widely used ways for businesses and professionals to equip themselves — a vehicle, a machine, computer equipment — without tying up the full purchase price at once. Here is how it works, and where the tracking difficulties lie.",[14,15,17],"h2",{"id":16},"the-principle","The principle",[10,19,20,21,25,26,29,30,33],{},"A ",[22,23,24],"strong",{},"leasing company"," buys an asset chosen by its customer and makes it available for a set period, in return for regular ",[22,27,28],{},"rent",". During the contract, the asset belongs to the leasing company; the customer, called the ",[22,31,32],{},"lessee",", uses it.",[14,35,37],{"id":36},"the-parties","The parties",[39,40,41,48,54],"ul",{},[42,43,44,47],"li",{},[22,45,46],{},"The leasing company"," (the lessor): it finances the purchase, remains the owner of the asset and collects the rent.",[42,49,50,53],{},[22,51,52],{},"The lessee",": a business, a professional or sometimes an individual, who uses the asset and pays the rent.",[42,55,56,59],{},[22,57,58],{},"The supplier",": the one who sells the asset to the leasing company.",[14,61,63],{"id":62},"how-a-contract-unfolds","How a contract unfolds",[65,66,67,73,79,85,91],"ol",{},[42,68,69,72],{},[22,70,71],{},"Choosing the asset."," The customer selects the equipment from a supplier.",[42,74,75,78],{},[22,76,77],{},"The financing agreement."," The leasing company reviews the file, then a contract sets the duration, the amount and the frequency of the rent.",[42,80,81,84],{},[22,82,83],{},"Purchase and handover."," The leasing company buys the asset and hands it over to the lessee.",[42,86,87,90],{},[22,88,89],{},"The rent."," The lessee pays each installment — most often monthly or quarterly — throughout the contract.",[42,92,93,96],{},[22,94,95],{},"End of the contract."," Depending on its terms: exercising a purchase option, returning the asset, or renewal.",[14,98,100],{"id":99},"where-tracking-gets-difficult-for-the-leasing-company","Where tracking gets difficult for the leasing company",[10,102,103],{},"A leasing contract lasts several years and generates dozens of installments. Across a portfolio of a few hundred contracts, you need to know every day:",[39,105,106,109,112,115],{},[42,107,108],{},"which installments are coming, and which have been paid;",[42,110,111],{},"which lessees are late, and for how long;",[42,113,114],{},"who to chase, and when;",[42,116,117],{},"what amount is really at risk.",[10,119,120,121,124,125,130],{},"Doing this tracking by phone and spreadsheet is slow, and delays are discovered late. That is why ",[22,122,123],{},"collections"," has become a profession in its own right in leasing; our article on the ",[126,127,129],"a",{"href":128},"\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia","rent collection method"," details the steps.",[14,132,134],{"id":133},"what-the-lessee-should-check-before-signing","What the lessee should check before signing",[10,136,137],{},"Without replacing professional advice, a few points deserve a careful reading of the contract:",[39,139,140,147,153,159,165],{},[42,141,142,143,146],{},"the ",[22,144,145],{},"total amount"," paid over the whole duration, not only the monthly rent;",[42,148,142,149,152],{},[22,150,151],{},"frequency"," and the due dates;",[42,154,142,155,158],{},[22,156,157],{},"consequences of a delay"," (penalties, forfeiture threshold);",[42,160,142,161,164],{},[22,162,163],{},"end-of-contract conditions"," (purchase option, return);",[42,166,167],{},"the costs that remain the lessee's responsibility (insurance, maintenance).",[14,169,171],{"id":170},"where-virementtn-fits-in","Where virement.tn fits in",[10,173,174,175,178,179,183],{},"virement.tn finances nothing: the platform helps leasing companies ",[22,176,177],{},"collect rent by bank transfer and track collections"," — a schedule per contract, reminders before due dates, overdue follow-ups, penalties, indicators. The lessee pays each rent installment from their bank; no direct debit is made. The details are on the ",[126,180,182],{"href":181},"\u002Fen\u002Fleasing-tunisia","leasing"," page.",{"title":185,"searchDepth":186,"depth":186,"links":187},"",3,[188,190,191,192,193,194],{"id":16,"depth":189,"text":17},2,{"id":36,"depth":189,"text":37},{"id":62,"depth":189,"text":63},{"id":99,"depth":189,"text":100},{"id":133,"depth":189,"text":134},{"id":170,"depth":189,"text":171},"Leasing","2026-09-19","Leasing in Tunisia explained simply: the parties to the contract, how the financing unfolds, rent, end of contract and the risks of non-payment.","md",[200,203,206],{"q":201,"a":202},"What is the difference between leasing and a standard loan?","In a leasing arrangement, the leasing company buys the asset and remains its owner during the contract: the customer has the use of it in return for rent. In a standard loan, the borrower owns the asset from the moment of purchase and repays a loan. The exact terms (purchase option, guarantees, taxation) depend on the contract.",{"q":204,"a":205},"What happens at the end of a leasing contract?","It depends on what the contract provides: exercising a purchase option, returning the asset or renewing. Read this clause before signing.",{"q":207,"a":208},"Is virement.tn a leasing company?","No. virement.tn grants no financing. It is a tool for collecting and tracking rent by bank transfer, intended for leasing companies and their lessees.",null,"leasing-tunisie-comment-ca-marche",{},true,"\u002Fen\u002Fblog\u002Fhow-leasing-works-in-tunisia","---\nkey: \"leasing-tunisie-comment-ca-marche\"\ntitle: \"Leasing in Tunisia: how does it work?\"\ndescription: \"Leasing in Tunisia explained simply: the parties to the contract, how the financing unfolds, rent, end of contract and the risks of non-payment.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Leasing\"\nreadingTime: 5\nfaq:\n  - q: \"What is the difference between leasing and a standard loan?\"\n    a: \"In a leasing arrangement, the leasing company buys the asset and remains its owner during the contract: the customer has the use of it in return for rent. In a standard loan, the borrower owns the asset from the moment of purchase and repays a loan. The exact terms (purchase option, guarantees, taxation) depend on the contract.\"\n  - q: \"What happens at the end of a leasing contract?\"\n    a: \"It depends on what the contract provides: exercising a purchase option, returning the asset or renewing. Read this clause before signing.\"\n  - q: \"Is virement.tn a leasing company?\"\n    a: \"No. virement.tn grants no financing. It is a tool for collecting and tracking rent by bank transfer, intended for leasing companies and their lessees.\"\n---\n\nLeasing is one of the most widely used ways for businesses and professionals to equip themselves — a vehicle, a machine, computer equipment — without tying up the full purchase price at once. Here is how it works, and where the tracking difficulties lie.\n\n## The principle\n\nA **leasing company** buys an asset chosen by its customer and makes it available for a set period, in return for regular **rent**. During the contract, the asset belongs to the leasing company; the customer, called the **lessee**, uses it.\n\n## The parties\n\n- **The leasing company** (the lessor): it finances the purchase, remains the owner of the asset and collects the rent.\n- **The lessee**: a business, a professional or sometimes an individual, who uses the asset and pays the rent.\n- **The supplier**: the one who sells the asset to the leasing company.\n\n## How a contract unfolds\n\n1. **Choosing the asset.** The customer selects the equipment from a supplier.\n2. **The financing agreement.** The leasing company reviews the file, then a contract sets the duration, the amount and the frequency of the rent.\n3. **Purchase and handover.** The leasing company buys the asset and hands it over to the lessee.\n4. **The rent.** The lessee pays each installment — most often monthly or quarterly — throughout the contract.\n5. **End of the contract.** Depending on its terms: exercising a purchase option, returning the asset, or renewal.\n\n## Where tracking gets difficult for the leasing company\n\nA leasing contract lasts several years and generates dozens of installments. Across a portfolio of a few hundred contracts, you need to know every day:\n\n- which installments are coming, and which have been paid;\n- which lessees are late, and for how long;\n- who to chase, and when;\n- what amount is really at risk.\n\nDoing this tracking by phone and spreadsheet is slow, and delays are discovered late. That is why **collections** has become a profession in its own right in leasing; our article on the [rent collection method](\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia) details the steps.\n\n## What the lessee should check before signing\n\nWithout replacing professional advice, a few points deserve a careful reading of the contract:\n\n- the **total amount** paid over the whole duration, not only the monthly rent;\n- the **frequency** and the due dates;\n- the **consequences of a delay** (penalties, forfeiture threshold);\n- the **end-of-contract conditions** (purchase option, return);\n- the costs that remain the lessee's responsibility (insurance, maintenance).\n\n## Where virement.tn fits in\n\nvirement.tn finances nothing: the platform helps leasing companies **collect rent by bank transfer and track collections** — a schedule per contract, reminders before due dates, overdue follow-ups, penalties, indicators. The lessee pays each rent installment from their bank; no direct debit is made. The details are on the [leasing](\u002Fen\u002Fleasing-tunisia) page.\n",5,{"title":5,"description":197},"en\u002Fblog\u002Fhow-leasing-works-in-tunisia","DKeV7unOfNvYJXnZAlJ_eISXy5FG2Vn6Jy2atyR5uqg",[220,410,603],{"id":221,"title":222,"body":223,"category":195,"date":196,"description":392,"extension":198,"faq":393,"h1":209,"key":403,"meta":404,"navigation":212,"path":128,"rawbody":405,"readingTime":406,"seo":407,"stem":408,"updated":196,"__hash__":409},"blog_en\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia.md","Leasing rent collection in Tunisia: the method",{"type":7,"value":224,"toc":382},[225,232,236,239,248,255,259,266,270,277,281,301,305,357,364,368,375],[10,226,227,228,231],{},"Collecting leasing rent does not start on the day of the delay: it starts at the ",[22,229,230],{},"creation of the contract",", when the schedule, the follow-up rules and the thresholds are set. Here is a six-step method, whatever your tool.",[14,233,235],{"id":234},"_1-start-from-a-reliable-schedule","1. Start from a reliable schedule",[10,237,238],{},"Each contract must have a dated, quantified schedule: amount of each installment, frequency, number of installments. If the schedule is approximate, all the monitoring will be too. A schedule entered once and then applied automatically avoids recalculating by hand every month.",[14,240,242,243,247],{"id":241},"_2-remind-before-the-due-date","2. Remind ",[244,245,246],"em",{},"before"," the due date",[10,249,250,251,254],{},"A large number of delays are not refusals to pay: they are oversights. A reminder sent a few days before the due date — on virement.tn, ",[22,252,253],{},"three days before"," — costs almost nothing and avoids part of the delays.",[14,256,258],{"id":257},"_3-detect-the-delay-the-very-next-day","3. Detect the delay the very next day",[10,260,261,262,265],{},"Don't discover a delay at month end. The delay must be calculated ",[22,263,264],{},"every day",", per installment, in number of days. It is this figure that drives the follow-up, the penalty and the contract's status.",[14,267,269],{"id":268},"_4-follow-up-in-steps","4. Follow up in steps",[10,271,272,273,276],{},"A single follow-up on day 1 and then silence is not a method. A graduated follow-up — for example at 1, 7 and then 15 days — gives the lessee time to catch up while showing that the delay is being tracked. The important point: ",[22,274,275],{},"a follow-up must not be sent twice"," for the same step.",[14,278,280],{"id":279},"_5-frame-it-with-penalties-and-a-default-threshold","5. Frame it with penalties and a default threshold",[39,282,283,289,295],{},[42,284,285,288],{},[22,286,287],{},"The late-payment penalty",", if your contract provides for one, must be applied consistently: a daily rate or a fixed amount, defined in advance.",[42,290,291,294],{},[22,292,293],{},"The default threshold",": after how many days late does a contract move “into default”? Set contract by contract, this threshold triggers the appropriate handling (commercial contact, restructuring, proceedings).",[42,296,297,300],{},[22,298,299],{},"Flexibility",": postponing an installment or revising its amount can be more profitable than going to litigation, provided it remains documented.",[14,302,304],{"id":303},"_6-steer-with-four-indicators","6. Steer with four indicators",[306,307,308,321],"table",{},[309,310,311],"thead",{},[312,313,314,318],"tr",{},[315,316,317],"th",{},"Indicator",[315,319,320],{},"Question it answers",[322,323,324,333,341,349],"tbody",{},[312,325,326,330],{},[327,328,329],"td",{},"Collection rate",[327,331,332],{},"What share of what is due has been collected?",[312,334,335,338],{},[327,336,337],{},"Weighted average delay",[327,339,340],{},"What is the average age of delays, taking amounts into account?",[312,342,343,346],{},[327,344,345],{},"Overdue installments",[327,347,348],{},"How many, and for what amounts?",[312,350,351,354],{},[327,352,353],{},"At-risk contracts",[327,355,356],{},"Which ones should be handled first?",[10,358,359,360,363],{},"The average delay ",[244,361,362],{},"weighted by amount"," prevents a small, very late rent installment from masking a large, slightly late one.",[14,365,367],{"id":366},"what-this-looks-like-with-virementtn","What this looks like with virement.tn",[10,369,370,371,374],{},"This is exactly the mechanism of ",[126,372,373],{"href":181},"virement.tn for leasing",": a schedule per contract, a reminder three days before, delay recalculated every night, graduated follow-ups, penalties, default threshold, indicators and CSV export of the portfolio. The lessee pays each rent installment by bank transfer from their bank: there is no direct debit.",[10,376,377,378,183],{},"Want to understand the logic of installments themselves? See the ",[126,379,381],{"href":380},"\u002Fen\u002Finstallment-payments","installment payments",{"title":185,"searchDepth":186,"depth":186,"links":383},[384,385,387,388,389,390,391],{"id":234,"depth":189,"text":235},{"id":241,"depth":189,"text":386},"2. Remind before the due date",{"id":257,"depth":189,"text":258},{"id":268,"depth":189,"text":269},{"id":279,"depth":189,"text":280},{"id":303,"depth":189,"text":304},{"id":366,"depth":189,"text":367},"How to structure leasing rent collection: schedule, reminders, graduated follow-ups, penalties, default status and indicators to monitor.",[394,397,400],{"q":395,"a":396},"When should you chase a late lessee?","As early as possible, but in a graduated way. On virement.tn, a reminder goes out three days before the due date, then follow-ups at 1, 7 and 15 days late, each step being sent only once.",{"q":398,"a":399},"Which indicators should you track to steer collections?","The collection rate, the average delay weighted by amounts, the number of overdue contracts and the list of the most at-risk contracts.",{"q":401,"a":402},"Should a penalty be applied for every delay?","It is a commercial and contractual decision. A tool should above all let you apply it consistently, with a daily rate or a fixed amount defined in advance.","recouvrement-loyers-leasing-tunisie",{},"---\nkey: \"recouvrement-loyers-leasing-tunisie\"\ntitle: \"Leasing rent collection in Tunisia: the method\"\ndescription: \"How to structure leasing rent collection: schedule, reminders, graduated follow-ups, penalties, default status and indicators to monitor.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Leasing\"\nreadingTime: 6\nfaq:\n  - q: \"When should you chase a late lessee?\"\n    a: \"As early as possible, but in a graduated way. On virement.tn, a reminder goes out three days before the due date, then follow-ups at 1, 7 and 15 days late, each step being sent only once.\"\n  - q: \"Which indicators should you track to steer collections?\"\n    a: \"The collection rate, the average delay weighted by amounts, the number of overdue contracts and the list of the most at-risk contracts.\"\n  - q: \"Should a penalty be applied for every delay?\"\n    a: \"It is a commercial and contractual decision. A tool should above all let you apply it consistently, with a daily rate or a fixed amount defined in advance.\"\n---\n\nCollecting leasing rent does not start on the day of the delay: it starts at the **creation of the contract**, when the schedule, the follow-up rules and the thresholds are set. Here is a six-step method, whatever your tool.\n\n## 1. Start from a reliable schedule\n\nEach contract must have a dated, quantified schedule: amount of each installment, frequency, number of installments. If the schedule is approximate, all the monitoring will be too. A schedule entered once and then applied automatically avoids recalculating by hand every month.\n\n## 2. Remind *before* the due date\n\nA large number of delays are not refusals to pay: they are oversights. A reminder sent a few days before the due date — on virement.tn, **three days before** — costs almost nothing and avoids part of the delays.\n\n## 3. Detect the delay the very next day\n\nDon't discover a delay at month end. The delay must be calculated **every day**, per installment, in number of days. It is this figure that drives the follow-up, the penalty and the contract's status.\n\n## 4. Follow up in steps\n\nA single follow-up on day 1 and then silence is not a method. A graduated follow-up — for example at 1, 7 and then 15 days — gives the lessee time to catch up while showing that the delay is being tracked. The important point: **a follow-up must not be sent twice** for the same step.\n\n## 5. Frame it with penalties and a default threshold\n\n- **The late-payment penalty**, if your contract provides for one, must be applied consistently: a daily rate or a fixed amount, defined in advance.\n- **The default threshold**: after how many days late does a contract move “into default”? Set contract by contract, this threshold triggers the appropriate handling (commercial contact, restructuring, proceedings).\n- **Flexibility**: postponing an installment or revising its amount can be more profitable than going to litigation, provided it remains documented.\n\n## 6. Steer with four indicators\n\n| Indicator | Question it answers |\n| --- | --- |\n| Collection rate | What share of what is due has been collected? |\n| Weighted average delay | What is the average age of delays, taking amounts into account? |\n| Overdue installments | How many, and for what amounts? |\n| At-risk contracts | Which ones should be handled first? |\n\nThe average delay *weighted by amount* prevents a small, very late rent installment from masking a large, slightly late one.\n\n## What this looks like with virement.tn\n\nThis is exactly the mechanism of [virement.tn for leasing](\u002Fen\u002Fleasing-tunisia): a schedule per contract, a reminder three days before, delay recalculated every night, graduated follow-ups, penalties, default threshold, indicators and CSV export of the portfolio. The lessee pays each rent installment by bank transfer from their bank: there is no direct debit.\n\nWant to understand the logic of installments themselves? See the [installment payments](\u002Fen\u002Finstallment-payments) page.\n",6,{"title":222,"description":392},"en\u002Fblog\u002Fleasing-rent-collection-tunisia","_oX4hs2-9HzjlD5pJXgVBTdrMm8xUXoKuOXT45dQygA",{"id":411,"title":412,"body":413,"category":195,"date":196,"description":585,"extension":198,"faq":586,"h1":209,"key":596,"meta":597,"navigation":212,"path":598,"rawbody":599,"readingTime":215,"seo":600,"stem":601,"updated":196,"__hash__":602},"blog_en\u002Fen\u002Fblog\u002Fpostpone-or-revise-a-leasing-installment.md","Postponing or revising a leasing installment",{"type":7,"value":414,"toc":578},[415,418,422,491,494,498,524,528,548,551,555,562,566,569],[10,416,417],{},"A lessee going through a temporary difficulty is not a lost lessee. Granting extra time can let you recover a rent installment that litigation would bring in neither faster nor more surely. But it must be done methodically.",[14,419,421],{"id":420},"postponement-revision-penalty-default-dont-mix-everything-up","Postponement, revision, penalty, default: don't mix everything up",[306,423,424,437],{},[309,425,426],{},[312,427,428,431,434],{},[315,429,430],{},"Lever",[315,432,433],{},"What it is",[315,435,436],{},"When to use it",[322,438,439,452,465,478],{},[312,440,441,446,449],{},[327,442,443],{},[22,444,445],{},"Postponement",[327,447,448],{},"Moving an installment's date",[327,450,451],{},"Temporary, dated cash-flow difficulty",[312,453,454,459,462],{},[327,455,456],{},[22,457,458],{},"Amount revision",[327,460,461],{},"Changing an installment's amount",[327,463,464],{},"Commercial agreement on a different amount",[312,466,467,472,475],{},[327,468,469],{},[22,470,471],{},"Penalty",[327,473,474],{},"Charging for the delay (daily rate or fixed amount)",[327,476,477],{},"If your contract provides for it and you want to apply it",[312,479,480,485,488],{},[327,481,482],{},[22,483,484],{},"Move to default",[327,486,487],{},"Considering the contract as defaulting beyond a delay threshold",[327,489,490],{},"Prolonged delay, opening of specific handling",[10,492,493],{},"These levers are not mutually exclusive, but order matters: postponing an installment and then applying a penalty for the postponed period sends the lessee a contradictory message.",[14,495,497],{"id":496},"before-granting-a-postponement-four-questions","Before granting a postponement: four questions",[65,499,500,506,512,518],{},[42,501,502,505],{},[22,503,504],{},"Is the difficulty temporary?"," A delay caused by a collection lag at the lessee's end is nothing like a lasting drop in activity.",[42,507,508,511],{},[22,509,510],{},"Does the lessee have a reliable history?"," A customer who has always paid deserves a flexibility that a customer already chased several times does not necessarily deserve.",[42,513,514,517],{},[22,515,516],{},"Is the new date realistic?"," A postponement without a credible commitment simply pushes the problem back.",[42,519,520,523],{},[22,521,522],{},"How many postponements do you accept?"," Set a rule (for example once per contract) so you don't decide case by case under pressure.",[14,525,527],{"id":526},"what-this-looks-like-on-virementtn","What this looks like on virement.tn",[39,529,530,536,542],{},[42,531,532,535],{},[22,533,534],{},"Postponing an installment",": you choose a new date, no earlier than today or the current due date if that is later. The installment's delay is reset to zero immediately.",[42,537,538,541],{},[22,539,540],{},"Revising its amount",": you change the installment's amount, including when it is already overdue.",[42,543,544,547],{},[22,545,546],{},"Generating a penalty",", if the contract provides for one and you configured a daily rate or fixed amount when creating it; it is issued as a separate invoice, linked to the contract.",[10,549,550],{},"An already overdue installment remains visible and payable by the lessee: postponing it does not make it disappear from their space.",[14,552,554],{"id":553},"what-the-tool-doesnt-do-for-you","What the tool doesn't do for you",[10,556,557,558,561],{},"virement.tn ",[22,559,560],{},"does not automatically reschedule"," a remaining balance over new installments, and does not replace the amendment that formalizes the agreement. A postponement is an action on one installment; restructuring a contract in difficulty remains a decision for the leasing company.",[14,563,565],{"id":564},"keep-a-record","Keep a record",[10,567,568],{},"Whatever solution you choose, document it: the date of the request, the reason, the decision, the new installment and the lessee's agreement. In the event of a later dispute, this is what protects both parties.",[10,570,571,572,575,576,183],{},"For the whole approach — reminders, follow-ups, default threshold, indicators — see the ",[126,573,574],{"href":128},"leasing rent collection method"," and the ",[126,577,182],{"href":181},{"title":185,"searchDepth":186,"depth":186,"links":579},[580,581,582,583,584],{"id":420,"depth":189,"text":421},{"id":496,"depth":189,"text":497},{"id":526,"depth":189,"text":527},{"id":553,"depth":189,"text":554},{"id":564,"depth":189,"text":565},"When and how to grant a late leasing lessee a postponement or a revision of an installment, without losing control of your collections.",[587,590,593],{"q":588,"a":589},"Can you postpone an already overdue installment on virement.tn?","Yes. An installment can be postponed to a new date even if it is already overdue; its number of days late is then reset to zero. Its amount can also be revised.",{"q":591,"a":592},"Does virement.tn recalculate the whole schedule after a postponement?","No. The postponement or revision acts on one installment at a time. The platform does not automatically reschedule the remaining balance over new installments: such a rescheduling remains to be decided and organized by the leasing company.",{"q":594,"a":595},"Does a postponement need to be formalized?","Yes, in writing, according to what your contract provides (amendment, agreed exchange). It is a contractual decision before it is a tool setting.","reporter-ou-reviser-une-echeance-de-leasing",{},"\u002Fen\u002Fblog\u002Fpostpone-or-revise-a-leasing-installment","---\nkey: \"reporter-ou-reviser-une-echeance-de-leasing\"\ntitle: \"Postponing or revising a leasing installment\"\ndescription: \"When and how to grant a late leasing lessee a postponement or a revision of an installment, without losing control of your collections.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Leasing\"\nreadingTime: 5\nfaq:\n  - q: \"Can you postpone an already overdue installment on virement.tn?\"\n    a: \"Yes. An installment can be postponed to a new date even if it is already overdue; its number of days late is then reset to zero. Its amount can also be revised.\"\n  - q: \"Does virement.tn recalculate the whole schedule after a postponement?\"\n    a: \"No. The postponement or revision acts on one installment at a time. The platform does not automatically reschedule the remaining balance over new installments: such a rescheduling remains to be decided and organized by the leasing company.\"\n  - q: \"Does a postponement need to be formalized?\"\n    a: \"Yes, in writing, according to what your contract provides (amendment, agreed exchange). It is a contractual decision before it is a tool setting.\"\n---\n\nA lessee going through a temporary difficulty is not a lost lessee. Granting extra time can let you recover a rent installment that litigation would bring in neither faster nor more surely. But it must be done methodically.\n\n## Postponement, revision, penalty, default: don't mix everything up\n\n| Lever | What it is | When to use it |\n| --- | --- | --- |\n| **Postponement** | Moving an installment's date | Temporary, dated cash-flow difficulty |\n| **Amount revision** | Changing an installment's amount | Commercial agreement on a different amount |\n| **Penalty** | Charging for the delay (daily rate or fixed amount) | If your contract provides for it and you want to apply it |\n| **Move to default** | Considering the contract as defaulting beyond a delay threshold | Prolonged delay, opening of specific handling |\n\nThese levers are not mutually exclusive, but order matters: postponing an installment and then applying a penalty for the postponed period sends the lessee a contradictory message.\n\n## Before granting a postponement: four questions\n\n1. **Is the difficulty temporary?** A delay caused by a collection lag at the lessee's end is nothing like a lasting drop in activity.\n2. **Does the lessee have a reliable history?** A customer who has always paid deserves a flexibility that a customer already chased several times does not necessarily deserve.\n3. **Is the new date realistic?** A postponement without a credible commitment simply pushes the problem back.\n4. **How many postponements do you accept?** Set a rule (for example once per contract) so you don't decide case by case under pressure.\n\n## What this looks like on virement.tn\n\n- **Postponing an installment**: you choose a new date, no earlier than today or the current due date if that is later. The installment's delay is reset to zero immediately.\n- **Revising its amount**: you change the installment's amount, including when it is already overdue.\n- **Generating a penalty**, if the contract provides for one and you configured a daily rate or fixed amount when creating it; it is issued as a separate invoice, linked to the contract.\n\nAn already overdue installment remains visible and payable by the lessee: postponing it does not make it disappear from their space.\n\n## What the tool doesn't do for you\n\nvirement.tn **does not automatically reschedule** a remaining balance over new installments, and does not replace the amendment that formalizes the agreement. A postponement is an action on one installment; restructuring a contract in difficulty remains a decision for the leasing company.\n\n## Keep a record\n\nWhatever solution you choose, document it: the date of the request, the reason, the decision, the new installment and the lessee's agreement. In the event of a later dispute, this is what protects both parties.\n\nFor the whole approach — reminders, follow-ups, default threshold, indicators — see the [leasing rent collection method](\u002Fen\u002Fblog\u002Fleasing-rent-collection-tunisia) and the [leasing](\u002Fen\u002Fleasing-tunisia) page.\n",{"title":412,"description":585},"en\u002Fblog\u002Fpostpone-or-revise-a-leasing-installment","Nw_Owrk7B_MuwP_DAK-jGbqabf_X6OQcZ1Zv9qWpP0A",{"id":604,"title":605,"body":606,"category":760,"date":196,"description":761,"extension":198,"faq":762,"h1":772,"key":773,"meta":774,"navigation":212,"path":775,"rawbody":776,"readingTime":215,"seo":777,"stem":778,"updated":196,"__hash__":779},"blog_en\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia.md","Making a bank transfer in Tunisia: the guide",{"type":7,"value":607,"toc":753},[608,611,615,646,650,688,692,722,726,729,733],[10,609,610],{},"A bank transfer is the most common way to pay a supplier, rent, school fees or an invoice for a large amount. It is simple, but a mistake in the RIB is hard to fix. Here are the steps to follow and the points to watch.",[14,612,614],{"id":613},"what-you-need-before-you-start","What you need before you start",[39,616,617,628,634,640],{},[42,618,619,622,623,627],{},[22,620,621],{},"The beneficiary's RIB",", 20 digits. Ask for it in writing (invoice, message) rather than verbally. We detail its structure in our article on the ",[126,624,626],{"href":625},"\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification","Tunisian RIB",".",[42,629,630,633],{},[22,631,632],{},"The beneficiary's name",", to check that the account matches the person or company you want to pay.",[42,635,636,639],{},[22,637,638],{},"The amount",", in Tunisian dinars (TND).",[42,641,642,645],{},[22,643,644],{},"A reference",": invoice number, contract number, month concerned. It is what lets the beneficiary know what the transfer is for.",[14,647,649],{"id":648},"the-steps","The steps",[65,651,652,658,664,670,676,682],{},[42,653,654,657],{},[22,655,656],{},"Choose the channel"," offered by your bank: branch, or the online banking service \u002F mobile app, depending on what your bank provides.",[42,659,660,663],{},[22,661,662],{},"Add the beneficiary"," by entering their RIB, or select them if they are already saved.",[42,665,666,669],{},[22,667,668],{},"Enter the amount"," and the reference.",[42,671,672,675],{},[22,673,674],{},"Re-read before confirming",": RIB, beneficiary name, amount. This is the cheapest moment to correct anything.",[42,677,678,681],{},[22,679,680],{},"Confirm"," following your bank's procedure (code, authentication, signature).",[42,683,684,687],{},[22,685,686],{},"Keep the receipt",": it proves the date and the amount of your payment.",[14,689,691],{"id":690},"the-most-common-mistakes","The most common mistakes",[39,693,694,704,710,716],{},[42,695,696,699,700,703],{},[22,697,698],{},"A swapped digit in the RIB."," The RIB check key detects most of these typing errors, but not every deliberate substitution (see how to check a RIB in the ",[126,701,702],{"href":625},"dedicated article",").",[42,705,706,709],{},[22,707,708],{},"A RIB obtained through an unsafe channel."," Be wary of a RIB change announced by message: confirm it another way before paying.",[42,711,712,715],{},[22,713,714],{},"No reference."," The beneficiary receives an amount without knowing which invoice to apply it to — the first source of manual reconciliation.",[42,717,718,721],{},[22,719,720],{},"Forgetting to confirm the payment to the beneficiary."," A confirmed transfer is not necessarily credited yet.",[14,723,725],{"id":724},"fees-limits-timing-ask-your-bank","Fees, limits, timing: ask your bank",[10,727,728],{},"Fees, per-transaction limits and execution times depend on each bank and on the channel. We deliberately give no figures here: check your bank's terms.",[14,730,732],{"id":731},"and-if-you-are-the-one-collecting","And if you are the one collecting?",[10,734,735,736,739,740,743,744,748,749,183],{},"Receiving a transfer is simple, but knowing ",[244,737,738],{},"which invoice"," it settles and ",[244,741,742],{},"when"," it arrived is less so. With ",[126,745,747],{"href":746},"\u002Fen\u002Fbank-transfer-tunisia","virement.tn",", you issue an invoice, the customer pays it by bank transfer from their bank, and you are notified as soon as the bank confirms — with no manual reconciliation. The principle is detailed on the ",[126,750,752],{"href":751},"\u002Fen\u002Fhow-it-works","how it works",{"title":185,"searchDepth":186,"depth":186,"links":754},[755,756,757,758,759],{"id":613,"depth":189,"text":614},{"id":648,"depth":189,"text":649},{"id":690,"depth":189,"text":691},{"id":724,"depth":189,"text":725},{"id":731,"depth":189,"text":732},"Bank transfers","The steps to make a bank transfer in Tunisia: the beneficiary's RIB, channels, checks to make before confirming and common mistakes to avoid.",[763,766,769],{"q":764,"a":765},"What information do you need to make a transfer in Tunisia?","The beneficiary's RIB (20 digits), their name, the amount in Tunisian dinars and, if possible, a reason or reference that will let the beneficiary identify the payment.",{"q":767,"a":768},"Can you cancel a transfer once it is confirmed?","It depends on the bank and on the state of the transfer. Once executed, it generally cannot be cancelled by the payer: you must contact your bank as quickly as possible. Hence the importance of checking the RIB carefully before confirming.",{"q":770,"a":771},"How long does a transfer take?","It varies by bank, by the channel used and by the time of the order. Ask your bank rather than assuming a delay.","How to make a bank transfer in Tunisia: a practical guide","comment-faire-un-virement-bancaire-en-tunisie",{},"\u002Fen\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia","---\nkey: \"comment-faire-un-virement-bancaire-en-tunisie\"\ntitle: \"Making a bank transfer in Tunisia: the guide\"\nh1: \"How to make a bank transfer in Tunisia: a practical guide\"\ndescription: \"The steps to make a bank transfer in Tunisia: the beneficiary's RIB, channels, checks to make before confirming and common mistakes to avoid.\"\ndate: \"2026-09-19\"\nupdated: \"2026-09-19\"\ncategory: \"Bank transfers\"\nreadingTime: 5\nfaq:\n  - q: \"What information do you need to make a transfer in Tunisia?\"\n    a: \"The beneficiary's RIB (20 digits), their name, the amount in Tunisian dinars and, if possible, a reason or reference that will let the beneficiary identify the payment.\"\n  - q: \"Can you cancel a transfer once it is confirmed?\"\n    a: \"It depends on the bank and on the state of the transfer. Once executed, it generally cannot be cancelled by the payer: you must contact your bank as quickly as possible. Hence the importance of checking the RIB carefully before confirming.\"\n  - q: \"How long does a transfer take?\"\n    a: \"It varies by bank, by the channel used and by the time of the order. Ask your bank rather than assuming a delay.\"\n---\n\nA bank transfer is the most common way to pay a supplier, rent, school fees or an invoice for a large amount. It is simple, but a mistake in the RIB is hard to fix. Here are the steps to follow and the points to watch.\n\n## What you need before you start\n\n- **The beneficiary's RIB**, 20 digits. Ask for it in writing (invoice, message) rather than verbally. We detail its structure in our article on the [Tunisian RIB](\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification).\n- **The beneficiary's name**, to check that the account matches the person or company you want to pay.\n- **The amount**, in Tunisian dinars (TND).\n- **A reference**: invoice number, contract number, month concerned. It is what lets the beneficiary know what the transfer is for.\n\n## The steps\n\n1. **Choose the channel** offered by your bank: branch, or the online banking service \u002F mobile app, depending on what your bank provides.\n2. **Add the beneficiary** by entering their RIB, or select them if they are already saved.\n3. **Enter the amount** and the reference.\n4. **Re-read before confirming**: RIB, beneficiary name, amount. This is the cheapest moment to correct anything.\n5. **Confirm** following your bank's procedure (code, authentication, signature).\n6. **Keep the receipt**: it proves the date and the amount of your payment.\n\n## The most common mistakes\n\n- **A swapped digit in the RIB.** The RIB check key detects most of these typing errors, but not every deliberate substitution (see how to check a RIB in the [dedicated article](\u002Fen\u002Fblog\u002Ftunisian-rib-structure-and-verification)).\n- **A RIB obtained through an unsafe channel.** Be wary of a RIB change announced by message: confirm it another way before paying.\n- **No reference.** The beneficiary receives an amount without knowing which invoice to apply it to — the first source of manual reconciliation.\n- **Forgetting to confirm the payment to the beneficiary.** A confirmed transfer is not necessarily credited yet.\n\n## Fees, limits, timing: ask your bank\n\nFees, per-transaction limits and execution times depend on each bank and on the channel. We deliberately give no figures here: check your bank's terms.\n\n## And if you are the one collecting?\n\nReceiving a transfer is simple, but knowing *which invoice* it settles and *when* it arrived is less so. With [virement.tn](\u002Fen\u002Fbank-transfer-tunisia), you issue an invoice, the customer pays it by bank transfer from their bank, and you are notified as soon as the bank confirms — with no manual reconciliation. The principle is detailed on the [how it works](\u002Fen\u002Fhow-it-works) page.\n",{"title":605,"description":761},"en\u002Fblog\u002Fhow-to-make-a-bank-transfer-in-tunisia","XJCYe_21AnKhPVpxMuhReaOT_HQ73Z4z8hq6g2ojaZs",1789922122306]