Payment models

Developer instalment plans in Georgia

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.

Key takeaways

Typical: 20–30% deposit, remainder over 12–36 interest-free monthly instalments through to handover.
No credit check, no bank — but the interest is priced into the cost.
Cash buyers often get a discount; the gap is the real cost of the instalment plan.
After handover, follow-on financing through a Georgian bank is possible.

In short

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.

Instalments run through to handover, not beyond.
Early payment discounts are often negotiable.
The remaining balance falls due at transfer of ownership.

What to watch for

The instalment plan shifts risk onto the construction phase — which is why the completion date, delay terms and payment triggers belong in the contract.

Tie instalments to construction progress, not just calendar months.
What happens to instalments if construction is delayed? Put it in writing.
The payment recipient must be the contracting company.
Fix the currency of instalments and the exchange-rate mechanism.

Example

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.

Risks

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.

Typical instalment structures (as of 21 Sep 2026)
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

Frequently asked questions

Are instalment plans in Georgia really interest-free?

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.

What happens if I can't pay an instalment?

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.

Can I bring in a bank after handover?

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.

Instalment structures reflect the current market but vary by project — as of 21 Sep 2026. · As of: 2026-09-21

Get your instalment plan calculated

We'll set the cash and instalment prices side by side and show the true cost of your payment model.

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