Mortgage with transfers

Buy an apartment with income from transfers!

If you are planning to buy a house and you only have income from remittances, we have a special offer for you. Introducing a mortgage loan for which you no longer need to formally register your salary and submit a salary certificate. To get this type of loan, you only need to receive transfers from abroad.

The amount of the mortgage will depend on the income received from the transfers and the value of the real estate to be purchased.

What are the advantages?

  • You no longer need to prove your salary
  • The borrowing process is short and simple



Loan amount From GEL 3000
Currency GEL, USD, EUR
Term Minimum -  6 months, Maximum - 180 months in foreign currency, Maximum - 240 months in GEL
Income From GEL 500
Age 18 - 70 years old
Credit Bureau Verification Fee GEL 300-10,000 - GEL10; GEL 10,000-20,000 – GEL 15; GEL 20,000< - 20 *in case of foreign currency - EUR 5, USD 10
Collateral Real estate
Loan fee: 0.4 % min. GEL 50
Nominal interest rate Indexed, from 11.85% in GEL (refinancing rate + 3.35%), indexed, from 8.11% in USD, six-month dollar libor + 7.91%), indexed, from 5.50% in EUR (six-month euro libor + 5.50%)
Effective interest rate: From 12.61 % in GEL, from 8.45 % in USD, from 5.66 % in EUR*
Contribution From 0%
Co-borrower No more than three co-borrowers are allowed (principal borrower + two co-borrowers)


*Effective interest rate is calculated: 180 months for GEL 200,000, 180 months for USD 100,000, and 180 months for EUR 100,000;

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