For customers, whose salaries are not transferred to a bank, it is no longer a barrier to borrow a loan. At terabank you may take a loan under the transfers extract and have a desirable amount approved within the shortest term.
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Remittance Loan (mortgage)
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Loan Amount
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minimum- 1000 GEL
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maximum- individually
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Loan Maturity
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minimum- 6 months
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maximum:
in GEL-180 months
in currency-120 months**
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Loan currency
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GEL, USD, EUR
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Loan repayment rate
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equal monthly installments
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collaterial
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real estate
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Annual interest rate
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GEL-refinancing rate from + 4.60%
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USD: from 7.40% (variable rate tied to Libor)
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EUR: from 6.40% (variable rate tied to Euribor).
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Effective interest rate
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GEL- from 16.20%
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USD- from 8.70%
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EUR- from 7.60%
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Fee for retrieving information in the Credit Info database
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18 GEL/6 USD/6 EUR
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Loan fee
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0.9% (min. 50 GEL)
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Withdrawal fee
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0.20% min. 0.50 GEL
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USD/EUR - 0.50% min. 1 GEL (in the respective currency)
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*Less than 200,000 GEL (in equivalent currency) will be issued in GEL only.
**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 foreign currency mortgage loan from January 1, 2019 to January 1, 2022, if the loan is issued in foreign currency and the borrower's income and loan currency differ, the maximum loan term is allowed to be 15 years.
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Remittance Loan (unsecured)
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Loan Amount
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minimum- 500 GEL
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maximum- 10 000 GEL
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Loan Maturity
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minimum- 3 months
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maximum: 36 months
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Loan currency
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GEL
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Loan repayment rate
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equal monthly installments
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collaterial
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real estate
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Annual interest rate
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from 11.50% |
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Effective interest rate
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from 21.00% |
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Fee for retrieving information in the Credit Info database
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18 GEL
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Loan fee
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2% (min. 20 GEL)
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Guarantee fee*
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From 500 GEL to 5,000 GEL on loans - fixed 3 GEL per month
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From 5,000 GEL to 20,000 GEL on loans - fixed 5 GEL per month
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Withdrawal fee
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0.20% min. 0.50 GEL
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*Guarantee fee is activated only for loans from 500 GEL to 20,000 GEL which have neither a co-borrower nor a guarantor.
* Income is calculated in accordance with the average transfers for the last six months
1: The amount less than GEL 200,000 can be disbursed only in GEL