Universal mortgage

You need the large amount of money and usual consumer loan is not enough? Use the universal mortgage of VTB Bank – this is the optimum way of receiving large amounts of money with the real estate collateral, without contribution and control of the purpose.

Interest rate 12.25% in GEL
10% in USD
8% in EUR
Effective interest rate from 12.88% in GEL
from 10.80% in USD
from 8.61% in EUR
Maximum loan amount USD/EUR 100,000, GEL 250,000
Maximum loan term 10 years
Loan currency GEL, USD, EUR
Contribution by the customer Not required

Loans up to 100,000 GEL are disbursed in national currency

Advantages of universal mortgage:

  • Minimum contribution by the customer not required
  • Long-term loan repayment schedule
  • Low interest rate
  • Loan is issued for any purpose

Documents necessary to receive the loan:

  • Documents confirming incomes


  • Real estate owned by the borrower or real estate owned by the third person

Main requirements towards the borrower:

  • Minimum monthly income of GEL 300 for Tbilisi, GEL 100 for the other cities
  • Minimum 3 months of working experience
  • The incomes shall be received at any of the banks operating at Georgian market
  • Age – 20-65 (including the loan term)