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Auto installment
Maximum loan term
72 months
Loan currency
GEL, USD, EUR
Downpayment
From 20%
Maximum loan amount
80,000 USD* (equivalent in other currencies)
Interest rate type
Fixed / Mixed
Coverage rule
Monthly, equal payments
Issuance fee
From 0%
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
Life insurance
Not mandatory
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 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
Subsidized mortgage for parents of newborns
Interest rate
Mixed (fixed for a certain period, then indexed*)
Effective interest rate
From 7.3 %
Maximum loan term
240 months
Loan currency
GEL
Downpayment
0 %
Maximum loan amount
200,000 GEL
Coverage rule
Monthly, equal payments
Issuance fee
From 0.5%
Withdrawal fee
0.2% (GEL),
Early repayment fee
0% with own funds only during the subsidy (co-financing) period; external refinancing during the subsidy (co-financing) period - 0-2% (in the fixed period), 0-0.5% (in the 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