You earn in USD. Your loan might be in GEL.
When your income and the loan are in different currencies, a small monthly swing in the exchange rate can change what you actually pay. We apply a volatility buffer to the affordability estimate so the number you see is the realistic floor of what you can carry, not the optimistic ceiling.
What changes for you
We treat the FX rate at submission time as a snapshot. The volatility buffer reduces your effective income by a configurable percentage to absorb short-term swings. You can compare same-currency (USD/EUR loans) and cross-currency (GEL loans) scenarios side by side.
What to do next
Open the offer request form. We pre-fill income currency = USD and borrower type = expat. Switch to EUR or adjust the loan currency if your situation differs.