0% instalments in Batumi new builds: HomeRadar shows where the real saving is

Four developers, four ways to spread payments

• Reside SELECT: 20% deposit, monthly or quarterly payments until completion in 2029.
• Artex (Parkline, Premier): 20% deposit, 0% payments until December 2029.
• BANA Development: 20% deposit, 0% financing for green-frame homes, handover planned for December 2027.
• LUX Group: direct interest-free instalments, deposit and term agreed per unit.

When 0% costs more

In HomeRadar's hypothetical example, the same flat costs $80,000 on a 32-month 0% plan ($16,000 deposit and 32 payments of $2,000) or $76,000 if paid in full. The buyer on instalments pays $4,000 more, about 5.3% of the cash price; the discount is illustrative, not a verified offer.

HomeRadar advises asking for two dated quotations for the identical unit and checking the currency of payments, late-payment penalties, the handover date and whether the flat can be resold before the last instalment. An unfinished flat earns no rent until it is handed over and fitted out.

Read the full HomeRadar study →

HomeRadar.ge is a property research project affiliated with EstateScope.