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Consumer loan for SME

Credit amount*

≤ 100,000 USD (equivalent GEL, EUR)

Period

≤ 84 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 13.94%  ▪ USD from 6.90%  ▪ EUR from 5.31% 

Disbursement fee

From 0.1%

Account opening fee

Free

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

Mortgage for SME

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

Free

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

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