
Secured consumer loan
A high-limit loan for any purpose.
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%
Consumer Loan Benefits

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