Secured loan
Loan amount

Up to 600,000 GEL max, up to 500,000 GEL only in GEL

Purpose

Financing personal expenses

Loan term

6-120 months

Interest Rate (indexed)

GEL from 14.2% (efective from 16.83%); USD from 10.85% (effective from 13.12%); EUR from 8.9% (effective from 10.95%).

Effective interest rate if the index increases by 5 percentage points (GEL);

from 22.73%

Effective interest rate if GEL depreciates by 15% (USD/EUR)

USD from 35.83% and EUR from 33%

Effective interest rate if the index increases by 3 percentage points (USD/EUR)

USD from 16.50% and EUR from 14.26%

Interest Rate (mixed rate, fixed for up to 5 years/up to 2 years in foreign currency)

GEL from 13.8% (effective from 17.51%); USD from 10.30% (effective from 13.02%); EUR from 8.3% (effective from 11.06%)

Effective interest rate if the index increases by 5 percentage points (GEL)

From 21.85%

Effective interest rate if the index increases by 3 percentage points (USD/EUR)

USD from 14.93% and EUR from 12.97%

effective interest rate if GEL depreciates by 15% (USD/EUR)

USD from 35.68% and EUR from 33.12%

Disbursement fee

1%

Withdrawal fee

0.6%

Collateral

Real estate such as an apartment, commercial property or a plot of land

Life insurance rate

0.72%

Property insurance

0.28%

Credit offers