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This paper describes a mathematical model enabling the calculation of the effective permeability tensor of heterogeneous magnetic materials set in various magnetization states. The theoretical approach we propose permits to predict the microwave behavior of unsaturated magnetic loaded composites as well as those of unsaturated polycrystalline ferrites. The model gives all the complex components of the permeability tensor in a single calculation phase whatever the magnetization state of the material is. This is useful for the computer-aided design of microwave magnetic devices. The calculation of the effective permeability tensor is carried out from a limited number of parameters: saturation magnetization, anisotropy field, damping factor, external dc field strength, concentration, and shape of the magnetic particles or domains. The model is predictive in the way that the magnetization state of the material is determined from the strength of the external dc magnetic field applied on the material.