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Loans
Product Description and Terms and Fees
 
 

If you need money for anything you find important - travelling, shopping, accomplishing your ideas.

 

 
consumer loan ( secured )
Loan amount Max. 600 000 GEL
Loan tenor 6-120 months
Interest rate

From 13% (GEL), from 10.3% (USD), from 8.9% (EUR) For adjustable-rate loans**
Effective interest rate From 14.59% (GEL), from 11.55% (USD), from 10.02% (EUR)
Effective Interest Rate if indexed rate changes by 5 points (GEL) / 3 points (foreign currency) From 20.35% (GEL), from 14.89% (USD), from 13.31% (EUR)
Effective Interest Rate if GEL depreciates by 15% From 33.77% (USD), from 31.78% (EUR)
Disbursement fee 2%, min. 40 GEL / 20 USD / 10 EURO
Life Insurance Rate 0.72%
Property Insurance Rate 0.28%
Withdrawal Fee (from an account) 0%-0.6% - according to the tariff for the account
Late Payment Penalty 20 GEL on the first day overdue; 0.5% of the outstanding amount per each day overdue (in total, no more than 1.5x of the outstanding principal balance).
Early repayment fee with own / from a difrerent bank 0.5% - if more than 6 months remain
0% - if less than 6 months remains 
Income Salary, rent, money remittances, dividend
Ways to evidence income Salary account statement from a bank or Revenue Service, rent agreement, remittance statements

**Index: GEL - TBILISI INTERBANK INTEREST RATE – TIBR 1M INDEX; USD - Term SOFR; Euro - Euribor

 

  consumer loan( UNsecured )
Loan amount 500-80 000 GEL*
Loan tenor 6 - 48 Months
Interest rate From 12.25%
Effective interest rate From 15.5%
Disbursement fee 2.5%, min. 50 GEL
Life insurance fee 0.72%
Cash withdrawal fee (from account) 0%-0.6% -according to account fees
Overdue penalty 20 GEL - on the first day the loan goes past due, 0. 5% of the outstanding amount on a daily basis, though no more than required by law.
Early repayment fee (from own funds as well as from another bank)

0%-2 % depending on the term remaining before the maturity date of the credit: 
if more than 24 months remain- 2%
 if from 12 to 24 months remain -1%
 if from 6 to 12 months remain -0.5%
 if less than 6 months remain - 0%
Income Salary, rent, money remittances, dividend
Ways to evidence income Salary account statement from a bank or Revenue Service, rent agreement, remittance statements
 
* Loan of up to 400 000 GEL are disbursed only in GEL
Interesting offers - Loan insurance, mortgage loan, travel insurance

How to apply?

Apply for your application

We will contact you no later than the following working day. 

Call (+995 32) 227 27 27

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