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Loan for working capital

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 13.00%  ▪ USD from 6.50%  ▪ EUR from 5.00% 

Interest Rate (Indexed)

Index** + from 4.00%

Effective interest rate

▪ GEL from 14.10%  ▪ USD from 7.14%  ▪ EUR from 5.55% 

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

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 56 GEL

Mortgage registration cancellation fee

Per unit 51 GEL

Real estate insurance

Not mandatory

Repayment schedule

Annuity / seasonal repayment

Investment loan

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 13.00%  ▪ USD from 6.50%  ▪ EUR from 5.00% 

Interest Rate (Indexed)

Index** + from 4.00%

Effective interest rate

▪ GEL from 13.91%  ▪ USD from 6.84%  ▪ EUR from 5.25% 

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

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 56 GEL

Mortgage registration cancellation fee

Per unit 51 GEL

Real estate insurance

Not mandatory

Repayment schedule

Annuity / seasonal repayment

Quick business loan

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 56 GEL

Mortgage registration cancellation fee

Per unit 51 GEL

Real estate insurance

Not mandatory

Repayment schedule

Annuity / seasonal repayment

Halyk without collateral

Credit amount*

2,000 – 10,000 USD

Period

Loan (annuity amortization schedule)

Halyk overdraft

Credit amount*

Depending on bank turnover

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