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Universal Mortgage is a long-term loan secured with real estate. It may be used for long-term objectives.

Available credit limit may even allow consolidation of other loans and improvement of your financial conditions.

Loan 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
Maximum loan term 10 years
Loan currency GEL, USD, EUR
Downpayment Not required
Upfront commission fee 1%
Pre-payed fee 0% - 2%
Real estate insurance 0.3%
Life insurance 0.4%
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 presented as a collateral

Loan collateral:

  • Real estate

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

  • Minimum monthly income requirement for participants of VTB Bank (Georgia) Payroll Programme - from GEL 100; for other individuals - from GEL 300
  • 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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