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 11.5% GEL / from 7.5% USD / from 5.5% EUR
Effective interest rate From 13.05% in GEL / from 8.63% in USD / from 6.48% in EUR
Minimum loan amount GEL 10,000
Maximum loan amount GEL 1,300,000 or equivalent in other currency
Maximum loan term 20 years
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
  • 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 1,000
  • Minimum 6-month working experience
  • The income shall be received at any bank active in Georgia
  • Age – 20-70 (including the loan term)


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