For your business development

Credit amount*

≤ 1,000,000 USD (equivalent GEL, EUR)

Period

≤ 36 months. Renewable credit line with a tranche term of up to 12 months.

Type of interest rate

Fixed, indexed, mixed (for a certain period - fixed, then - indexed)

Interest rate (fixed)

▪ GEL from 12.50%  ▪ USD from 9.00%  ▪ EUR from 8.00% 

Interest Rate (Indexed)

Index** + from 4.00%

Effective interest rate

▪ GEL from 13.53%  ▪ USD from 9.59%  ▪ EUR from 8.50% 

Disbursement fee

From 0.1%

Account opening fee

Frее

Withdrawal fee

▪ GEL - 0.2% ▪ USD, EUR - 0.5%

Daily Late Payment Penalty

From 0.1% per day overdue, not exceeding the requirements defined by law

Early repayment / external refinancing fee

For fixed interest rate loans: ▪ 2.0% - if more than 24 months remain until loan maturity ▪ 1.0% - if 12 to 24 months remain until loan maturity ▪ 0.5% - if 6 to 12 months remain until loan maturity ▪ 0.0% - if less than 6 months remain until loan maturity. For indexed interest rate loans: ▪ 0.5% - if more than 6 months remain until loan maturity ▪ 0.0% - if less than 6 months remain until loan maturity. Refinancing Fee from Another Financial Institution: For individuals: ▪ 0.0% of the loan amount if up to 6 months remain until loan maturity ▪ 0.5% if more than 6 months remain until loan maturity. If, at the time of refinancing, the customer’s (except an individual’s) total liabilities to the bank: - Do not exceed GEL 2,000,000 (or equivalent in another currency): ▪ 0.0% of the refinanced loan amount if up to 6 months remain until loan maturity. ▪ 0.5% if more than 6 months remain until loan maturity - Exceed GEL 2,000,000 (or equivalent in another currency): The early repayment fee shall be determined in accordance with the applicable early repayment

Mortgage registration fee

Per unit 157 GEL

Mortgage registration cancellation fee

Per unit 150 GEL

Real estate insurance

Not mandatory

Repayment schedule

Annuity / seasonal repayment

Credit amount*

≤ 1,000,000 USD (equivalent GEL, EUR)

Period

≤ 120 months

Type of interest rate

Fixed, indexed, mixed (for a certain period - fixed, then - indexed)

Interest rate (fixed)

▪ GEL from 12.50%  ▪ USD from 9.00%  ▪ EUR from 8.00% 

Interest Rate (Indexed)

Index** + from 4.00%

Effective interest rate

▪ GEL from 13.53%  ▪ USD from 9.59%  ▪ EUR from 8.50% 

Disbursement fee

From 0.1%

Account opening fee

Frее

Withdrawal fee

▪ GEL - 0.2% ▪ USD, EUR - 0.5%

Daily Late Payment Penalty

From 0.1% per day overdue, not exceeding the requirements defined by law

Early repayment / external refinancing fee

For fixed interest rate loans: ▪ 2.0% - if more than 24 months remain until loan maturity ▪ 1.0% - if 12 to 24 months remain until loan maturity ▪ 0.5% - if 6 to 12 months remain until loan maturity ▪ 0.0% - if less than 6 months remain until loan maturity. For indexed interest rate loans: ▪ 0.5% - if more than 6 months remain until loan maturity ▪ 0.0% - if less than 6 months remain until loan maturity. Refinancing Fee from Another Financial Institution: For individuals: ▪ 0.0% of the loan amount if up to 6 months remain until loan maturity ▪ 0.5% if more than 6 months remain until loan maturity. If, at the time of refinancing, the customer’s (except an individual’s) total liabilities to the bank: - Do not exceed GEL 2,000,000 (or equivalent in another currency): ▪ 0.0% of the refinanced loan amount if up to 6 months remain until loan maturity. ▪ 0.5% if more than 6 months remain until loan maturity - Exceed GEL 2,000,000 (or equivalent in another currency): The early repayment fee shall be determined in accordance with the applicable early repayment

Mortgage registration fee

Per unit 157 GEL

Mortgage registration cancellation fee

Per unit 150 GEL

Real estate insurance

Not mandatory

Repayment schedule

Annuity / seasonal repayment

Credit amount*

≤ 50,000 USD (equivalent GEL)

Period

≤ 60 months. Renewable credit line with a tranche term of up to 12 months

Type of interest rate

Fixed, indexed, mixed (for a certain period - fixed, then - indexed)

Interest rate (fixed)

from 15.50% 

Interest Rate (Indexed)

Index** + from 4.00%

Effective interest rate

from 17.32% 

Disbursement fee

1.00%

Account opening fee

Free

Withdrawal fee

0.2%

Daily Late Payment Penalty

From 0.1% per day overdue, not exceeding the requirements defined by law

Early repayment / external refinancing fee

In the case of a fiixed rate: ▪ No more than 0.0% of the prepaid amount (the amount paid to settle the outstanding principal balance at the time of prepayment) if 0 to 6 months remain before the maturity of the agreement; ▪ No more than 0.5% of the prepaid amount (the amount paid to settle the outstanding principal balance at the time of prepayment) if 6 to 12 months remain before the maturity of the agreement; ▪ No more than 1.0% of the prepaid amount (the amount paid to settle the outstanding principal balance at the time of prepayment) if 12 to 24 months remain before the maturity of the agreement; ▪ No more than 2.0% of the prepaid amount (the amount paid to settle the outstanding principal balance at the time of prepayment) if more that 24 months remain before the maturity of the agreement. In the case of an indexed rate: ▪ 0.0% of less than 6 months remains before credit maturity; ▪ 0.5% if more than 6 months remain before credit maturity;

Mortgage registration fee

Per unit 157 GEL

Mortgage registration cancellation fee

Per unit 150 GEL

Real estate insurance

Not mandatory

Repayment schedule

Annuity / seasonal repayment

Credit amount*

2,000 – 10,000 USD

Period

Loan (annuity amortization schedule)

Credit amount*

Depending on bank turnover