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Mortgage Loan

A Versatile Opportunity to Buy an Apartment.

Remote work from home with digital real estate concept

Looking to buy property in Georgia?


Whether you're buying an apartment to live in or as an investment, Credo Bank's Mortgage Loan offers flexible financing, customized terms, and dedicated support every step of the way.


Key benefits

  • Down payment starting from 20% with no income verification required
  • All sources of income are considered
  • Interest rates starting from 8.00%
  • Flexible repayment terms of up to 15 years
  • Financing available in GEL, USD or EUR
  • Loan amount up to GEL 500 000 or its equivalent in USD or EUR
  • Exclusive offers from partner developers
  • Dedicated support for expats throughout the process


Credo Binoteka - Expert guidance at every stage of your home-buying journey


Buying an apartment in a new country is a significant decision. As an added value of Credo Bank's Mortgage Loan, Credo Binoteka provides expats with expert guidance, access to trusted partner developers and dedicated support throughout the entire home-buying journey.


Your dedicated personal Binoteka Manager will:

  • Introduce you to trusted partner residential developments
  • Help you access exclusive offers and discounts
  • Coordinate every stage of your mortgage application
  • Support you throughout the entire home-buying process

How to Apply

Applying for a Mortgage Loan is simple. Choose the option that works best for you:


  • Mycredo Mobile Bank - Apply for your Mortgage Loan quickly and conveniently through the Mycredo mobile app

โ€ข If you are already a Credo Bank customer, simply log in to the Mycredo mobile app, select the Mortgage Loan product and submit your application

โ€ข If you are new to Credo Bank, visit any Credo Bank Service Center to open an account. Once your account is active, you can apply for a Mortgage Loan either through the Mycredo mobile app or directly at the branch

  • Online via our website - Complete the application form on this page and our team will contact you shortly
  • Credo Bank Service Centers - Visit any Credo Bank Service Center and receive dedicated assistance from our team


Need More Information?

  • Online Chat - Contact one of our specialists through the live chat on our website for quick assistance
  • Call Center - Call 032 2 42 42 42 to receive assistance and answers to your questions

Terms

GEL Loans

  • Loan amount: GEL 10 000-500 000
  • Annual interest rate: from 14.65%
  • Effective interest rate: from 16.91% (with a minimum 20% down payment)
  • Loan term: 7-180 months

 

USD Loans

  • Loan amount: USD equivalent of GEL 10 000-500 000
  • Annual interest rate: from 8.50%
  • Effective interest rate: from 10.31% (with a 40% down payment)
  • Loan term: 2-120 months

 

EUR Loans

  • Loan amount: EUR equivalent of GEL 10 000-500 000
  • Annual interest rate: from 8.00%
  • Effective interest rate: from 9.78% (with a 40% down payment)
  • Loan term: 2-120 months

Calculate & Apply