Mortgage in Georgia: Which Bank Has the Best Terms in 2026

Mortgages in Georgia are available to residents and non-residents alike, though the terms differ. On the 2026 market, lari loans are usually issued at 8-13% interest, and foreign-currency loans at 6-9%.

Comparing Georgian banks

Bank of Georgia and TBC Bank are the market leaders — a wide choice of products and digital applications. Credo Bank specializes in small mortgages, and BasisBank is flexible with non-residents.

Down payment

For residents the minimum down payment is usually 20-30%. The state subsidy program (if it applies in your case) reduces the interest in the first years. For non-residents the requirement often rises to 30-50%.

Term

Terms range from 5 to 25 years. With a short term (10-15 years) the monthly payment is high, but the total interest is half as much. A long term (20-25 years) reduces the monthly burden, but the final cost grows.

Calculate your payment

sivrce's mortgage calculator uses the standard annuity formula — the same one the banks use. Calculate the monthly payment for any apartment by price, down payment and term.

Tips

Pre-approval in the TBC and Bank of Georgia apps is often issued within a few hours — use it to strengthen your negotiating position. Always compare offers from at least three banks.