01
Developer instalments
Typically 20–30 % down payment and interest-free instalments until completion. Exact terms differ per project and construction phase.
Financing — Payment plans
Financing property in Georgia
Down payment
typically 20–30 %
Instalments
until handover
Terms
case by case
The most common route is not a bank but the developer: many new projects in Tbilisi and Batumi are sold with a 20 to 30 percent down payment and interest-free monthly instalments until handover. That cuts the upfront capital requirement significantly and is open to foreign buyers.
Georgian banks also lend to non-residents. Rates, terms and equity requirements always depend on the bank, the project, proof of income and your credit profile — nobody can promise conditions in advance, and we do not. We make the introduction and prepare the file with you.
Vladi Morai · Livo Property · 2026-08-27
02
Local bank lending
Georgian banks do finance foreign buyers. Proof of income and a local account are usually required; terms are assessed case by case.
03
Refinancing at handover
The remaining balance can often be refinanced through a bank after completion — worthwhile only if yield and instalment add up. We model it first.
Frequently asked questions about financing
Can I buy an apartment in Georgia in instalments?+
Yes, with many new developments. A 20–30 % down payment plus interest-free monthly instalments until handover is common. The developer sets the exact terms.
Can foreigners get a mortgage in Georgia?+
In principle yes. Georgian banks lend to non-residents, but each bank decides individually based on the borrower and the property.
Do I need a Georgian bank account?+
For instalment payments and local lending an account is usually sensible. It is opened in person at a Georgian bank.
Do you quote fixed interest rates?+
No. Rates and terms are market-driven and individual. We do not quote conditions we have not confirmed for your specific case.
Receive payment plans
We will send you projects with instalment plans including down payment, term and monthly amount.
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