Lending conditions in Georgia are set to become stricter. Under a new regulation by the National Bank of Georgia, the maximum debt-service limit for individuals will change starting from February 1, 2027.
Under the current rules, individuals whose monthly income is below GEL 1,500 may spend no more than 25% of their income on loan servicing — up to GEL 375. For individuals earning more than GEL 1,500 per month, the maximum monthly loan-servicing limit is 50% of income — GEL 750.
Under the new regulation, which will take effect on February 1, 2027, the income threshold for the 25% limit will increase from GEL 1,500 to GEL 2,000. From September 1, 2027, this threshold will rise further to GEL 2,500.
Property Tax Threshold for Individuals in Georgia to Increase to GEL 100,000
