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Mortage loan
Interest rate
From 10,5% GEL / 7% USD / 5% EUR
Effective interest rate
From 11.86% in GEL / 7.37% in USD / 5.24% in EUR
Maximum loan term
240 months
Loan currency
GEL, USD, EUR
Downpayment
Not required
Maximum loan amount
Unlimited
Coverage rule
Monthly, equal payments
Issuance fee
From 0.5%
Withdrawal fee
0.2% (GEL), 0.5% (USD, EUR)
Early repayment fee
0-2% (in fixed period) 0-0.5% (in indexed period)
Late payment penalty
0.4% of the overdue amount (for each overdue day), not exceeding the requirements specified by law
Real estate insurance
Not mandatory
Life insurance
Not mandatory
Mortgage registration + termination fee (per property)
157 GEL + 150 GEL
Mortgage for future landlords
Interest rate
From 10.5% GEL / 7% USD / 5% EUR
Effective interest rate
From 11.86% in GEL / 7.96% in USD / 5.38% in EUR
Maximum loan term
10 years
Loan currency
GEL, USD, EUR
Downpayment
Not required
Grace period
0-6 months
Borrower / co-borrower income
The amount of rent to be received in the future will be included with the existing income
Mortgage for individuals with income abroad
Interest rate
From 10.5% GEL / 7% USD / 5% EUR
Effective interest rate
From 11.86% in GEL / 7.82% in USD / 5.38% in EUR
Maximum loan term
20 years
Loan currency
GEL, USD, EUR
Downpayment
30%
Easy mortgage
Interest rate
From 10.5%
Effective interest rate
From 11.86%
Maximum loan term
20 years
Loan currency
GEL
Downpayment
20%
Payment History
Payment history is considered: Deposits on bank liabilities; Supplements made on bank deposits; Amounts of rent paid; Amounts paid to the development company (seller).
Mortgage loan for individuals receiving remittances
Interest rate
From 10.5% in GEL / from 7% in USD / from 5% in EUR*
Effective interest rate
From 11.86% in GEL / from 7.82% in USD / from 5.38% in EUR
Maximum loan term
10 years
Loan currency
GEL, USD, EUR
Downpayment
Not required
