Mortgage in Georgia 2026: NBG PTI & LTV Limits, State Subsidies, and Interest Rates
Complete 2026 mortgage guide: National Bank regulations, PTI and LTV limits, state interest subsidies, GEL vs foreign currency rates, and early repayment terms.
Purchasing property through a mortgage loan is one of the most widely used financing vehicles in Georgia. However, understanding National Bank of Georgia (NBG) prudential limits, income ceilings, and state subsidy schemes is essential before signing.
National Bank Regulations: PTI and LTV Limits
The National Bank of Georgia publishes binding LTV and PTI caps: - LTV: 90% maximum on a GEL loan (at least 10% down). 70% maximum in foreign currency (30% down). - PTI: net income below ₾1,500 — 25% (20% when an FX loan is repaid from lari income). From ₾1,500 — 50% (30% for that FX case). - Policy rate: 8.25%.
Published bank terms
These figures are the banks' own published bands, not an average: - TBC, GEL: from 9.9%. The published expat programme asks at least 20% down. - BasisBank, GEL: 10.9–17.5%. FX: 7.9–10.5%. Term up to 20 years in GEL, minimum down payment 15%.
State subsidy
Enterprise Georgia: loans up to ₾200,000, a rate subsidy for the first 60 months, 4 / 5 / 6 points for 1 / 2 / 3+ children.
Use the sivrce mortgage calculator and salary calculator to compute your monthly payments and affordability limits.
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