Bu rehber Morocco vatandaşları için hazırlanmıştır. Fon transferleri, yerel ve Gürcistan vergilendirmesi, anlaşmalar, sözleşme dili, ipotek finansmanı, daimi ikamet ve kripto ödemeyi ele alır.
The Moroccan dirham is not freely convertible. Foreign real estate investment requires authorization from the Office des Changes (investment file) or the use of a foreign currency allowance. For MRE (Moroccans residing abroad), funds held in foreign currency outside Morocco can be used freely. In practice, the majority of our Moroccan clients invest from a foreign currency account (dirham convertible account) or from a European/Dubai account.
Cryptocurrency payment (USDT, USDC, BTC, ETH) is accepted by most of our partner developers. Conversion to GEL or USD is carried out by a regulated Georgian provider (on-ramp transfer), with an official invoice. This avoids SWIFT fees and international transfer delays.
In Georgia, rental income for non-residents is taxed at 5% (final withholding tax). No wealth tax, no inheritance tax on Georgian properties. Real estate capital gains are exempt after 2 years of ownership. The 18% VAT is included in the prices displayed by developers.
No active tax convention between Morocco and Georgia. Foreign rental income must be declared to the DGI at the IR scale (up to 38%) for Moroccan residents, with a unilateral credit for Georgian tax. MRE are not concerned.
Purchase contracts are drawn up in Georgian (the official language of the cadastre), with a certified English translation systematically provided. On request, a translation into French, Russian or Arabic can be annexed. All signatures are made before a Georgian notary, in person or via a legalized power of attorney from your country of origin.
Georgian banks (TBC Bank, Bank of Georgia, Credo Bank) grant real estate loans to foreigners with a minimum down payment of 30 to 40%, for a period of 10 to 15 years, at rates of 11 to 14% in GEL or 8 to 10% in USD. A local bank account and proof of income (last 3 months) are required.
Any real estate investment of at least $150,000 grants the investor, their spouse and minor children the right to Georgian permanent residency. The application takes 30 to 45 days, with no obligation of actual residence. After 6 years, naturalization becomes possible.
We regularly support Moroccan investors based in Casablanca, Rabat, Marrakech, as well as MRE from Europe and the Gulf.
RUSTAVELI PROPERTIES
Gürcistan yatırım araştırmanızı derinleştirecek dahili bağlantılar.