Mortgage in Georgia with Minimal Down Payment: Real Bank Conditions
In 2025, non-residents retain access to the republic's capital. Local financial institutions (leaders — TBC and Bank of Georgia) lend to foreigners, requiring only proof of solvency. The investor's main goal is to select a program where a mortgage in Georgia becomes an asset, not a liability.
Approval is possible with just a passport, but deal parameters for expats are stricter than for citizens. Below are the dry figures, requirements, and hidden nuances.
Approval is possible with just a passport, but deal parameters for expats are stricter than for citizens. Below are the dry figures, requirements, and hidden nuances.
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Financing Non-Residents: Figures and Facts
Foreigners receive loans primarily in hard currency (USD/EUR).
This insures the creditor against inflation and lowers the monthly payment for the borrower. Loans in Lari are available but economically unfeasible.
Parameters in 2026:
- Mortgage rate in Georgia: Range of 9–12% in foreign currency versus 13%+ in Lari.
- Term: For foreigners — up to 10–15 years; for residents — up to 20.
- Limit: 50–60% of the appraised value of the object (often lower than market price).
The Reality of Minimal Entry
The popular search query "mortgage in Georgia with minimal down payment" often misleads. Bank policy strictly segments risks:
- Local Citizens: The National Bank permits financing up to 90% of the value (entry from 20%).
- Foreign Applicants: Mandatory own capital — 30–40%. Without this "leverage," default risks are critical for the institution.
It is impossible to lower the initial payment via a personal visit to the branch. The exception is partner lots from agencies and accredited developers, where LTV (Loan-to-Value) is reviewed individually.
Instruments: Bank Loan vs. Installment Plan
It is critical for an investor to distinguish between these mechanisms. If the task is to в рассрочку buy an apartment in Batumi in installments from a developer, conditions will be polar opposites compared to a bank product.
Bank Financing:
- Cost of borrowing: 9–13% per annum.
- Term: Long (up to 15 years), low budget burden.
- Entry: High (from 40%).
- Status: Ownership right immediately (with encumbrance).
Developer Installment Plan:
- Cost of borrowing: 0%.
- Term: Short (2–4 years, until completion).
- Entry: Loyal (from 10–20%).
- Status: Ownership only after 100% payment.
For entry at the "excavation" (off-plan) stage, interest-free schedules from construction companies are more profitable. If you need to buy real estate in Batumi in the ready fund for immediate rental, a loan is more effective: income from tourists partially covers the debt.
Why a Broker is Needed
An independent application by a non-resident is often rejected due to errors in the form or choosing an illiquid asset. Financial institutions avoid locations without a history or with risks of becoming long-term construction projects.
We cover the technical part:
Scoring: Submitting documents to loyal branches that know the specifics of freelancer income.
Audit: Legal verification of the lot before the deal.
Selection: Searching for options on the secondary market that pass strict valuation criteria.
To see our catalog, just click the button below
We cover the technical part:
Scoring: Submitting documents to loyal branches that know the specifics of freelancer income.
Audit: Legal verification of the lot before the deal.
Selection: Searching for options on the secondary market that pass strict valuation criteria.
To see our catalog, just click the button below
FAQ
1. Do they lend to citizens of the RF and Belarus?
Yes. The passport is not a stop-factor. TBC and BoG work with non-residents, but a mortgage in Georgia for them requires a down payment from 40%.
2. Is there an installment plan for secondary property?
Rarely. This is usually the prerogative of new builds. For ready apartments, we look for assignment deals or negotiate flexible schedules with owners so you can buy real estate in Batumi in stages.
3. What is the real foreign currency rate?
The benchmark for 2025 is 9–10%. The result depends on the document package. Contact us for a personal calculation.
Yes. The passport is not a stop-factor. TBC and BoG work with non-residents, but a mortgage in Georgia for them requires a down payment from 40%.
2. Is there an installment plan for secondary property?
Rarely. This is usually the prerogative of new builds. For ready apartments, we look for assignment deals or negotiate flexible schedules with owners so you can buy real estate in Batumi in stages.
3. What is the real foreign currency rate?
The benchmark for 2025 is 9–10%. The result depends on the document package. Contact us for a personal calculation.
Contact Us
Get in touch with us by phone or via messengers for a consultation and help choosing the right property.
+995 557 326 104
cappuccinoestate@gmail.com
cappuccinoestate@gmail.com
Georgia, Batumi
