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Articles, updates and guidance from the Ipotekebi team.
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The currency you borrow in matters more than the interest rate. When GEL, USD, or EUR makes sense — and how the FX volatility buffer protects you.
The five factors that matter beyond the headline rate — APR, down payment, term, prepayment terms, and insurance — and how Ipotekebi compares them.
Work backward from your income to a realistic property budget — the affordability steps, a worked example, and how to strengthen your purchasing power.
What comfortable, manageable, stretched, and high-pressure mean — the four affordability zones, a worked example, and the PTI/DTI formula.
A practical walkthrough of mortgage payment math for Georgian banks — the amortization formula, a worked example, and the costs the formula leaves out.
Compare mortgage offers when you do not reside in Georgia but want a property here.
Compare mortgage offers when you live abroad but want a property in Georgia.
Compare mortgage offers when you live in Georgia but earn in USD or EUR.
Compare residential mortgage offers when your income and the loan are both in GEL.
