Payment models
The instalment plan is the most common payment model for new build in Georgia: a deposit followed by interest-free monthly instalments through to handover. For many international buyers, it replaces bank financing during the construction phase.
The key is to compare the instalment price with the cash price and to tie instalments to construction progress wherever possible.
You sign a pre-sale agreement, pay the deposit, then fixed monthly instalments. You're only registered as owner in the registry after completion and acceptance.
The instalment plan shifts risk onto the construction phase — which is why the completion date, delay terms and payment triggers belong in the contract.
Purchase price USD 90,000, 25% deposit = USD 22,500, remaining USD 67,500 over 27 monthly instalments of USD 2,500 each. The same purchase price paid in cash is often 5–10% lower — that discount is the true price of the instalment plan.
If the developer fails or completion is delayed, you don't yet have registered title. That's the main reason to thoroughly check the developer before paying a deposit.
| Model | Deposit | Term | Effect on price |
|---|---|---|---|
| Cash payment | 100% | — | often 5–10% discount |
| Short instalment plan | 30% | 12 months | small or no discount |
| Standard instalment plan | 20–30% | 24–36 months | list price |
| After handover | — | bank financing | bank interest instead of discount |
Formally yes: no interest is charged. In practice, you pay for it through a higher purchase price compared with cash payment — comparing the cash and instalment prices reveals the difference.
That depends on the contract: typical terms include grace periods, late-payment charges and, in extreme cases, cancellation by the developer. Check these clauses before signing.
Yes, once title is registered, financing through a Georgian bank is possible, usually with 30–50% equity and higher rates than in the EU. Please verify current terms.
Usually yes: instalment plans rarely require Georgian citizenship or residence. Each developer sets its own terms — ask for them in writing.
The usual route is an international transfer to the account of the contracting company named in the contract. Clarify currency, conversion and bank fees in advance — buyers typically bear them.
Usually a passport and the signed preliminary contract; no bank credit check takes place. A power of attorney is needed if someone signs on your behalf in Georgia.
An instalment plan is a payment agreement with the developer during construction. A bank loan is assessed separately by a lender, usually only after ownership is registered — approval is never guaranteed.
Instalment structures reflect the current market but vary by project — as of 21 Sep 2026. · As of: 2026-09-21
We'll set the cash and instalment prices side by side and show the true cost of your payment model.