available, If not for the average-income person to take out a mortgage loan – The issues became a question of Treatment, As from January 1st National Bank's new regulation – responsible lending into force on.
"We would like once again to previously released information society, It was like a complicated mortgage loans. really, responsible lending principles, "Complexity" of the borrower's income is only a study. Loans, including the mortgage shall be issued to persons, those who have the ability to service its. If the borrower has any type of income, formal or informal, They will be able to take a loan. often talk about, the new lending rules, Only high-income individuals in the mortgage loan, which is clearly not in line with. For example,, 60 kvadratuliani apartment, 15-year mortgage loan case 2500 GEL monthly income of the person / family is able to acquire, including a case, When family members, Total income of the spouses for example 2500 GEL.
The, You can buy an apartment to live, Also for future rental. The smaller the size of the apartment to buy a lower-income person / family to be able to. It should be noted, that the exchange in terms of the requirements for the granting of loans, which is defined by the rules of the new lending, largely consistent with the commercial banks on the domestic requirements ", – said the bank.