In order to apply TEM model to fracture prediction at tunnel face, 3-D TEM model computation by FEM was conducted by installing a transmission loop on a tunnel face. MT field responses diffusing into the 3-D model were computed by time-domain difference calculus, and analytical precision was improved by introducing a staggered grid method. In the case where a low resistive zone exists before a tunnel face, time variance in diffused eddy current and induction current in the low resistive zone could be obtained. The difference in tunnel-axial transient curve (transient phenomenon curve in magnetic field) between uniform medium and low resistive zone models was based on the absorption process of diffused eddy current into the low resistive zone, and the expanding process of it toward the outside. Change in background condition could be predicted from the background and the ratio of transient curves every measurement. The detection limit of the low resistive zone was dependent on resistivity contrast, distance and geometry. Fluctuation in measurement due to noises and S/N ratio were also essential. 3 refs., 10 figs.