Terms
Interest-free installments, the Georgian market standard
Almost every Georgian developer offers a payment schedule without bank credit until delivery, with linear, interest-free installments. A rare flexibility that explains the market's appeal for foreign investors.
The standard scheme
01
Booking
Preliminary agreement signed and 5-10% of the price paid to lock the chosen unit.
02
Down payment (20-30%)
Within 30-60 days, the initial down payment is completed. The final deed is signed with the notary.
03
Installments (24-60 months)
Linear monthly payments until the scheduled delivery date. No interest, no bank fees, no credit needed in your home country.
04
Delivery
Final balance paid at handover (usually 10-20% remaining). Property registered in your name at the public registry.
Example on a $150,000 property, Q4 2027 delivery
| Booking (signing) | $7,500 | 5% |
| Initial down payment (M1-2) | $37,500 | 25% |
| Monthly × 36 months | $2,500 / month | 60% |
| Handover balance | $15,000 | 10% |
Best practices
- Often negotiate a 3-5% discount for full cash payment.
- Some developers offer 12-24 months of post-delivery installments on hotel residences.
- Payments can be made from a foreign account in USD, EUR or GEL.
- No FX fees if you open a Georgian multi-currency account.