Frequently Asked Questions

What is needed to purchase a desired car?

  1. Select a car you want and fill out a leasing application at Swiss Capital branch, call center or online.  
  2. At Swiss Capital, you will be able to get necessary funds through a very fast and simple procedure. The required time for it will not exceed 45 minutes. 

What is business loan?

Business loan is a product by Swiss Capital, which is used, as an additional resource for your business development and repayment of other liabilities. Swiss Capital Business Loan gives you an opportunity to take advantage of grace period and start repayment after 3 months.

Who can take the business loan offered by Swiss Capital?

The business loan is accessible for individuals as well as legal entities who hold micro and small businesses. The minimum business experience period is 3 months.

What is Promissory Note?

A promissory note is a financial document in which the issuer takes the absolute responsibility to pay the determinate a sum of money together with interest. 

When can I withdraw the principal?

You can withdraw it as soon as the Promissory Note term is completed. 

What is the currency I can invest in Promissory Note?

Upon your choice - GEL, USD or Euro. 

How frequently do I get interest?

It is up to you - it can be monthly, quarterly,  annually or at the end of the term. 

On what basis do I get the Mortgage loan?

Mortgage is issued on the basis of the real estate’s guaranty (flat or commercial area),  we issue a commercial pledge through National Agency of public registry. 

Only real estate located in Tbilisi or suburbs, or Batumi is considered

What is the Mortgage Loan duration?

From 3 months up to 10 years

What is the available currency?

The amount is provided in Georgian Lari. 

What is Car Leasing?

It is a product by which you can get money to purchase a desired car. The funded amount is up to 90% of its market value. 

How do I pay?

You pay both – interest and principle at the same time each month according to the contractual schedule.

What documents do I need to get a loan?

  • ID
  • The updated extract from the national agency of public registry of the real estate.
  • Ownership documents (e.g. if the current owner received the property by heritage/donation/purchase, title deed/donation/purchase agreement must be presented) in case of absence of the original documents, copies can be requested from the National Agency of Public Agency

What is the currency of the loan ?

We issue mortgage loans in Georgian Lari.

What is the loan approval procedure?

After you fill out the application, our representative will appraise your estate, which is the basis for issuing the loan. The whole procedure takes up to one day.

What maximum amount can be funded?

The upper amount limit of Swiss Capital financial leasing is 100 000 GEL. 

Do I need to pay anything preliminarily?

We finance up to 90% of the car value, therefore minimum 10% is required as downpayment.

When will I get the money?

You will get the answer in 20 minutes after filling in an application. In case of positive answer, the maximum time from filling an application and getting money is 45 minutes.

What is the maximum duration of car leasing?

Financial leasing can be issued for up to 72 months period.

Why should I use this offer?

Swiss Capital offers you the best terms to get up to 100 000 Lari in 45 minutes. Visit us, get our fast, comfortable and high-quality service and, most importantly, desired amount within 45 minutes!

How do I cover the loan? – Do I only pay interest or principle?

You are the one who chooses the terms, we provide you with both solutions. You can use interest-only or annuity loan. With interest-only, you pay interest and at the end of the term you pay the principal, while in annuity loan you pay interest and principal both together in equal installments, thus at the end of the term the loan amount is zero.   

When will I get the money?

You will get the amount the same day when you fill the application! It takes up to 20 minutes to review the application and since we give out cash and no transfer is required, just within 45 minutes you will get the money!

What is the maximum term for repayment?

You can choose preferred repayment period up to 72 months. 

What are the main requirements to get financed?

We issue the loan only to citizens/residents of Georgia, who have ID Card/Passport and are over 21 years old, have a tech passport of the car. Along with this, car must be produced at least in 1996.