Fill in an Application Real Estate Secured Loan

Universal Mortgage is a long-term loan secured with real estate. It may be used for any long-term objective.
Available credit limit may even allow consolidation of other loans and improvement of your financial conditions.

Interest rate 14% in GEL / 10% in USD / 8% in EUR
Effective interest rate 15.93% in GEL / 11.55% in USD / 9.34% in EUR
Minimum loan amount GEL 1,000
Maximum loan amount GEL 1,300,000 or equivalent in other currency
Loan term 10 years
Allowance period 0-6 months
Loan currency GEL, USD, EUR
Upfront commission fee 1% (min. GEL 100)
Pre-payed fee 0% - 2%
Real estate insurance 0.3%
Life insurance 0.4%
Downpayment Not required
Special note Loans up to GEL 200,000 are issued in national currency
  • Low interest rate
  • No contribution required
  • Long-term repayment schedule available
  • No limitations in regard with loan designation
  • Georgian citizenship document/ residence permit
  • Income certificate (if not received at VTB Bank (Georgia))
  • Registry Statement pertaining real estate

Loan collateral:

  • Real estate

Real Estate belonging to both Borrower or any third party is acceptable as a collateral.

  • Minimum monthly income of GEL 200
  • Acceptable forms of income: salary, rent, dividend
  • 3 months work experience (income certificate)
  • Respective income shall be received via bank account opened with any bank operating in Georgia
  • Age: 20-70 years (at the end of loan term)


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