Tenor

<=120 months

Type of Interest Rate

Fixed, indexed

Interest Rate

From 11%

Effective Interest Rate

From 13%

Disbursement Fee

From 0.2%

Account Opening Fee

From 10 GEL

Withdrawal fee

From 0.2%

Credit Info Fee

No more than 25 GEL

Fixed Late Payment Penalty

One-time payment of GEL 20 (equivalent in loan currency)

Daily Late Payment Penalty

0.5% per day overdue. Furthermore, the total amount of expenses incurred from the first day overdue until full settlement of the overdue liability should not exceed 1.5x of the current principal balance

Early Repayment / External refinancing Fee

In the case of a fiixed rate:

No more than 0% of the prepaid amount  (the amount paid to settle the outstanding principal balance at the time of prepayment) if 0 to 6 months remain before the maturity of the agreement;

No more than 0.5% of the prepaid amount  (the amount paid to settle the outstanding principal balance at the time of prepayment) if 6 to 12 months remain before the maturity of the agreement;

No more than 1% of the prepaid amount  (the amount paid to settle the outstanding principal balance at the time of prepayment) if 12 to 24 months remain before the maturity of the agreement;

No more than 2% of the prepaid amount  (the amount paid to settle the outstanding principal balance at the time of prepayment) if more that 24 months remain before the maturity of the agreement.

In the case of an indexed rate:

0% of less than 6 months remains before credit maturity;

0.5% if more than 6 months remain before credit maturity;

RE Mortgage Registration Fee

Per unit 56 GEL;

RE Mortgage Registration Cancellation Fee

RE Mortgage Registration Cancellation Fee

Movable Property Pledge Registration Fee

Per unit 174 GEL;

Movable Property Pledge Registration Cancellation Fee

Per unit 20 GEL;