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Mortgage Loan

free-stock-photography-houseConditions for Mortgage Loan:

  • The size of loan: 1000 – 15000 USD;
  • The term of making use of loan: up to 60 months;
  • Interest rate: 2-3% per month;
  • For providing the loan the following kind of property existing in private ownership would be acceptable: residential area, non-residential area and/or land plot;
  • The subject of security has to be located in the following cities: Tbilisi, Rustavi, Mtskheta, Borjomi, Bakuriani and Batumi;
  • The person getting the loan should be not less than eighteen years old;
  • The loan will be granted for any activity allowed by the law.
  • Upon granting the loan the commission is not envisaged;
  • The schedule of covering of loan: covering of capital amount monthly and accrued interests in equal parts (annuity); It is possible to cover the loan with 6 months grace period (or by payment of only accrued interests in this period);
  • In case of non-payment in the period fixed by the schedule of covering of loan, penalty will amount 0,5% of unpaid amount (zero point five) for every delayed day;
  • After 3 months in case of covering the loan early till due the commission will amount 0 (zero) %;
  • Before 3 months in case of covering the loan early till due the commission will amount 2-3% of the amount paid in advance. The concrete amount of commission will be determined by the Loan Committee. The refinancing source;
  • General (loan line) Agreement;
  • Procedure of approval of loan: filling in of Form Statement; interview and introducing of necessary documentation; inspection and estimation of security subject; taking a decision by the Loan Committee; Granting of the loan.
  • The term of making the decision will be 1 (one) working day.
  • Estimation of real estate in Tbilisi is free of charge.


The documentation necessary to be submitted:

  • Extract from Public Registry regarding real estate;
  • ID of the owner confirming his/her personality (in case of co-owner, his/her ID as well);
  • Any additional documents can be requested by the decision of the Loan Committee.