Fill in an Application Refinance or Consolidate Loans

Mortgage is a real estate secured long-term loan that is disbursed for refinancing or consolidating loans.

Loan interest rate From 13.9% GEL / 5.9% USD / 5% EUR
Effective interest rate From 15.77% in GEL / From 6.76% in USD / From 5.64% in EUR
Minimum loan amount GEL 10,000
Maximum loan amount GEL 1,000,000 or equivalent in other currency
Maximum loan term 20 years - if income and loan are in the same currency, 10 years - if income and loan are in different currencies
Loan currency GEL, USD, EUR
Grace period 0-6 months
Downpayment From 0%
Upfront commission fee From 0.5%
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

The interest rates in GEL shown on the schedule are tied to the refinancing rate of the National Bank of Georgia 


  • Simple approval procedure
  • Decision-making takes 1 day
  • Low interest rate
  • Long-term repayment schedule
  • Income confirmation
  • Georgian citizenship document/ residence permit
  • Excerpt on the real estate to be purchased
  • Letter on Loan Refinancing (if applicable)

Loan collateral:
Real estate owned/to be purchased by the borrower, or real estate owned by a third person

  • Minimum monthly income of GEL 500
  • Minimum 3-month working experience
  • The income shall be received at any bank active in Georgia
  • Salary or official steady income equated to salary of individuals outside Georgia must be recorded on a bank account of the respective country
  • Age – 20-70 (including the loan term)


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