OUR PRODUCTSBUSINESS - LOANSSmall Business Loans Credit product is designed widely for small manufacturers as in urban developed areas, also in economically backward areas.Our customers are different types of traders, wholesale and retail traders, fairs or business own- ers of shopping centers, the owners of various types of processing and extracting workshops and smallshops, also persons engaged in transport, social and welfare services.Interest rate: 28% -44%Loan Term: 1-48 monthsLoan Amount: 300-50 000Guarantee - in the case of loans more than 3,000 GelReal Estate (Mortgages);Non-agricultural land (mortgage) + guarantor with income and own property;Vehicle/mounting (Pledge);Auto (Pledge);Fee: 2% of the loanCoverage Prepayment Penalty: 2%;Overdue fine: 0.5% for each day of delayCurrency: GEL, USDGrace Period: 0 - 3 months depending on the specifics of the revenue. During the grace period only accrued interest to be paid.AGRICULTURAL LOANSAgro-business financing loans credit product is designed for financing agro-businessesas notonly in economically backward, but also developed areas as well. Agricultural activities, in turn constitute uninterrupted chain of activities, which starts from the initial stage of production, includ- ing the harvesting, collection and processing stages and ends with a wholesale / retail sales. This process being of a different kind of activities requires a very promising field of Finance and seems to be quite perspective area for microcredit operations.Interest rate: 32% -48% annualLoan Term: 3-24 monthsLoan Amount: 200-20 000 U.S. dollars or the equivalent in GEL Guarantee - in the case of loans more than $ 2000Real Estate (Mortgages);Agricultural land (mortgage) + guarantor with income;non-agricultural land (mortgage) + guarantor with income;Vehicle/mounting (Pledge);Fee: 2% of the loanCoverage Prepayment Penalty: 0%;Overdue fine: 0.5% for each day of delayCurrency: GEL, USDGrace period: 2 - 8 months depending on the specifics of the activities. During the grace period only accrued interest to be paid.CONSUMER LOANSThe product of credit loans is designed for the widest range of the population, including theproper business – loans and agro-loans, also small range businesses categories and entrepre- neurs segment, as well as public and private service employees persons who have a stable salary income. RFO - it’s based on existing practice, we can say that the product works with equal success as in developed urbans, as well as economically backward regions.Interest rate: 28% -44%Loan Term: 1-48 monthsLoan Amount: 300-50 000Guarantee - in the case of loans more than 3,000 GelReal Estate (Mortgages);non-agricultural land (mortgage) + guarantor with income and own property;Vehicle/mounting (Pledge);Auto (Pledge);Fee: 2% of the loanCoverage Prepayment Penalty: 2%;Overdue fine: 0.5% for each day of delayCurrency: GEL, USDGrace Period: 0 - 3 months depending on the specifics of the revenue. During the graceperiod only accrued interest to be paid.AUTO-PAWN LOANS WITH CARRYING RIGHTSAuto-pawn loans credit product is suitable for a wide range of people, including small businesses and individuals with a stable income employed in the public and private service, also for people with any other kind of income (even unstable) who have the relevant guarantee - the vehicle.Auto Pawn Loan Conditions:The minimum loan amount of 400 U.S. dollars(A / vehicle market value of at least 1000 U.S. dollars).From 400 to 700 $ - monthly rate of 6.5% From 701 to 1500 $ - 5.7%From 1500 To 2000 $- 5.4% From 2000 To 3000 $ - 5.2% From 3000 To 4500 $ - 5% From 4500 To 6000 $- 4.7% From 6000 To 7000 $- 4% From 7000 To 8000 $- 3.7%GOLD PAWN PRODUCTS DESCRIPTION1. The product name –“ Low percentage rate “• Interest rate - 1.5%• Evaluation - Standard• Payable amount- from 100 USD• Payment Period - 1; 2; 3 – month agreement term• Fine/penalty - 0.5% for expired time /per day2. Product Name –“ Low rates-low fine/penalty “• Interest rate - 2%• Evaluation- Standard• Payable amount - from 30 USD• Payment Period - 1; 2; 3 – Month agreement term• Fine - 0.25% for expired time/ per day3. Product Name –“Fine/penalty-free Loans 1 “• Interest rate - 2.5%• Evaluation - Standard• Payable amount - from 100 USD• Payment Period - 1 – month agreement term;4. The product name –“Fine/penalty-free loan “2”• Interest rate - 2%• Evaluation - Standard• Payable amount - from 1,000 USD• Payment Period - 1 – month agreement term; HEAD OFFICEAddress of David the Builder Avenue N 154, Tel. 295 01 07, 294 01 01.PIRIMZE BRANCHAddress Pkhovi Street. N 2, Tel. 292 22 25ISANI BRANCHAddress: ISANI Market surrounding area. Tel. 277 90 26GLDANI BRANCHAddress: Ts. N 4, tel. 267 02 59SABURTALO BRANCHAddress: Al. Stages N 3, Tel. 237 91 04TELAVI BRANCHAddress: David N 47, Tel. 0350 27 59 36LAGODEKHI BRANCHAddress: 26-May 14, tel. 570 103 559TSNORI BRANCHAddress: David N 9, tel. 570 103 558VARKETIL BRANCHAddress: Business Center “Vera”. Tel. 247 62 13
