Mortgage Loans for Immigrants

Get a mortgage loan without additional collateral and income verification. 

  • Term in GEL: up to 240 months
  • Term in foreign currencies: up to 120 months
  • Term for those without Georgian citizenship: 72 months
  • Currency: GEL, USD, EUR

Mortgage Loans for Immigrants

Terabank's mortgage loan, created specifically for immigrants, is issued without additional collateral, completely removing the barrier to buying real estate. With this product, you can purchase real estate from both development companies and individuals.

In addition to Georgian immigrants, foreigners living in Georgia and dual citizens can benefit from this mortgage loan.

Loan Terms

Min Loan amount   GEL 1 000 
Max Loan amount   Determined individually
Term in GEL   6-180 months
Term In forreign currency   6-120 months
Term for those without Georgian citizenship   6-72 months
Loan currency   GEL, USD, EUR
Issuance Fee   0.50% (min. 50 units)
Withdrawal fee   see Tariff Packages
Loan repayment rate   monthly equal installments
Collateral   Real estate
Contribution in case of purchase of real estate   From 30 %
Fee for retrieving information in the Credit Info database   GEL 18/USD 6/EUR 6

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A loan or bank credit for amounts less than 400,000 GEL can only be issued in the national currency, except when the borrower's income and the loan are in the same currency.

In order to get a loan, it is necessary for the consumer to receive income outside the country.

In the case of a mortgage loan issued in a foreign currency, if the borrower's income is in the currency of the loan - not more than 15 years.

In the case of a mortgage loan issued in a foreign currency, if the income of the borrower and the currency of the loan differ from each other - not more than 10 years.

See the registration / termination fee at the link

When refinancing a mortgage loan issued in a foreign currency from January 1, 2019 to January 1, 2022, if the loan is issued in a foreign currency and the borrower's income and loan currency differ, the maximum loan term is allowed to be 15 years.

The effective interest rate is calculated for 100,000 GEL. Term - 84 months.

How to Request a Loan?

Follow these steps to get your loan via internet bank
 
 
Log in to the Internet banking Visit: https://ebanking.ge/login and enter your credentials
 
Navigate to "Offers"
 
 Select "Loans"
 
Complete the application form Enter the required information in the appropriate fields
You can sign up for loan from our website!
 
 
Open the online application pageVisit: www.terabank.ge and click on the online application button.
 
From the list of online applications, select the desired card application Fill your mobile number
 
Complete the application form Enter the required information in the appropriate fields.

Contact us:

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Frequently Asked Questions

Didn't find what you're looking for? Send us a question
How is the effective interest rate calculated?

The effective interest rate is calculated taking into account all the necessary financial costs and the period of incurring the cost.

What is the minimum required age of a loan borrower?

The minimum age for obtaining a mortgage loan for immigrants is 20 years. The borrower must not exceed 65 years of age at the end of the loan term.

What are the co-borrowing conditions?

Participation is from 30%.

Got more questions?

info@terabank.ge Send us a message
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