Investment Mortgage Loan - New Product from Terabank

Buy or Renovate Real Estate to Rent


If you want to buy or renovate real estate and then rent it out, and you already have some experience and rental income in this regard, Terabank's investment mortgage loan will help you achieve your goal.


Investment mortgage loans are disbursed to individuals residing in Georgia. In the process of reviewing the loan, the bank also takes into account the rent that you will receive in the future by renting out the purchased or renovated commercial space.


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

Investment Mortgage Loan Conditions:


Real estate purchase/renovation for future rental

Loan amount

Minimum - 1,000 GEL

Maximum - individually*

Loan maturity

Minimum - 6 months

Maximum: 240 months in GEL

120 months in foreign currency

Loan currency


Annual interest rate

GEL - Index + from 3.3%

USD - from 7.45% (variable rate tied to LIBOR)

EUR- from 7.10% (variable rate linked to Euribor)

Effective interest rate

GEL - from 14.7%

USD - from 7.9%

Euro - from 7.50%

Loan repayment term

Equal monthly installments

Loan security

Real estate for purchase/renovation


Future rent along with existing income

Loan disbursement fee

0.5 % (min.50 units)

Fee for searching information in Credit Info database

18 GEL/6 USD/6 EUR

Contribution to the purchase of real estate

From 0% (determined based on the liquidation value of the property)

Withdrawal fee

GEL - 0.20% min. 0.50 GEL

USD / EUR - 0.50% min. 1 GEL (in the relevant currency)

*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. 

Application Form

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