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Binoteka

If the idea of purchasing an apartment seemed beyond reach before, now you can transform that dream into reality with the assistance of Credo Bank's "Binoteka" Service.
Don't give up on your goals; seize the opportunity to benefit from special conditions and streamline the apartment-buying process, regardless of your profession or income type!

What CREDO Binotheca offers you?

  • Securing the necessary funds for purchasing an apartment, regardless of your profession or income type - Whether you receive income cash or through a bank account
  • Discounts with partner developers - individual services of the apartment manager - who will solve all the necessary procedures for buying the selected apartment.
  • Offering a customized payment schedule that aligns with your income level and seasonality.

Do not delay, fill out an application form or visit us at the desired service center of Credo Bank, to buy and arrange your dream apartment!

Terms

Annual interest rate: from 13%
Effective interest rate: from 13.98%
Loan amount: from 10,000 GEL to 500,000 GEL
Term: 7 - 180 months
Loan issuing commission: from 0.5%
Loan monitoring fee: from 0.5 GEL
Insurance commission: 0.72%
Current account monthly service fee: 1 GEL

Advantages
  • Individual service
  • Chance to receive the amount on the basis of any kind of income
  • Payment schedule adapted to your necessities
State Program - "Subsidized Mortgage Loan”

Credo Bank is involved in the state program of "Subsidized Mortgage Loans" of the Agency Enterprise Georgia.

Within the framework of the program, all those for purpose of purchasing new/old apartment or building a house, who satisfy the program's criteria, have an opportunity to obtain a mortgage loan from Credo Bank, with a maximum amount of up to 200,000 GEL and can benefit from a state-provided partial interest subsidy for a period of 60 months.

For detailed information about the program, please visit the following link

Further details on the terms of Credo Bank's "subsidized mortgage loan" can be found here