Question 1

რა ვალუტაშია შესაძლებელი ბიზნეს ვადიანი ანაბრის გახსნა?

Accepted Answer

ვადიანი ანაბრის გახსნა შესაძლებელია სამ ძირითადი ვალუტაში: ლარში, აშშ დოლარსა და ევროში. ორგანიზაციას შეუძლია აირჩიოს მისთვის სასურველი ვალუტა თავისუფალი ფულადი სახსრების განსათავსებლად.

Question 2

რა არის ანაბრის გასახსნელად საჭირო მინიმალური თანხა?

Accepted Answer

მინიმალური სავალდებულო მოცულობა ვალუტების მიხედვით განსხვავებულია და შეადგენს 100 ლარს, 50 აშშ დოლარს ან 50 ევროს. ეს საწყისი ზღვარი კომპანიებს საშუალებას აძლევს, თუნდაც მცირე ბიუჯეტით დაიწყონ დანაზოგის ზრდა.

Question 3

არსებობს თუ არა მაქსიმალური ლიმიტი ბიზნეს ანაბარზე შესატან თანხაზე?

Accepted Answer

დიახ, ერთჯერადად ანაბარზე განთავსებადი მაქსიმალური მოცულობა შეადგენს 50,000 ლარს ან მის ეკვივალენტს სხვა ვალუტაში.

Question 4

როგორია ბიზნეს ვადიანი ანაბრის მოქმედების ვადა?

Accepted Answer

სტანდარტული ვადა მერყეობს 3-დან 24 თვემდე პერიოდში. იმ შემთხვევაში, თუ კომპანიას 24 თვეზე მეტი ვადით სურს თანხის განთავსება, თითოეული ასეთი მოთხოვნა განიხილება ინდივიდუალურად.

Question 5

შესაძლებელია თუ არა ანაბრის მოქმედების პერიოდში კომპანიის დამატებითი თანხების შეტანა?

Accepted Answer

არა, უშუალოდ ანაბრის მოქმედების პერიოდში თანხის დამატება არ არის შესაძლებელი. დამატებითი სახსრების განთავსებისთვის საჭიროა ახალი სახელშეკრულებო პირობების გაფორმება.

Question 6

რა სიხშირით ხდება დაგროვილი სარგებლის მიღება?

Accepted Answer

სარგებლის გადახდის სიხშირე სრულად მორგებულია ბიზნესის საჭიროებებზე და შესაძლებელია აირჩიოთ ყოველთვიური, კვარტლური ან ვადის ბოლოს გატანის რეჟიმი. გარდა ამისა, 24-თვიანი ანაბრის შემთხვევაში დაშვებულია სარგებლის წელიწადში ერთხელ მიღებაც.

Question 7

რა ღირს ბიზნეს ვადიანი ანაბრის ყოველწლიური მომსახურება?

Accepted Answer

ანაბრის ყოველწლიური მომსახურების საკომისიო შეადგენს 0%-ს. შესაბამისად, კომპანიას არ უწევს დამატებითი ხარჯების გაღება ანგრიშის შესანარჩუნებლად.

Question 8

არის თუ არა ფასიანი ანაბრის თანხის განაღდება ვადის ამოწურვისას?

Accepted Answer

არა, თანხის განაღდების საკომისიო არის სრულიად 0%. ვადის გასვლის შემდეგ კომპანია მიიღებს მთლიან თანხას ყოველგვარი დამატებითი გამოქვითვის გარეშე.

Question 9

არის თუ არა ბიზნესის ანაბარი დაცული გაუთვალისწინებელი რისკებისგან?

Accepted Answer

დიახ, ანაბარი სრულად არის დაზღვეული დეპოზიტების დაზღვევის სააგენტოს მიერ 50,000 ლარის ფარგლებში. ეს გარანტიას უქმნის ორგანიზაციას, რომ განთავსებული სახსრები კანონმდებლობით სრულად დაცულია.

Question 10

How much does the SMS service cost?

Accepted Answer

Activation is completely free. The annual fee for receiving SMS notifications is GEL 10.

Question 11

Can I cancel the SMS service and receive a refund?

Accepted Answer

Yes. You may cancel the service without providing a reason within 14 calendar days of activation, in which case the GEL 10 fee will be refunded in full. If you cancel after this period, the amount already paid will not be refunded.

Question 12

What is investment savings for legal entities?

Accepted Answer

Investment savings is a fixed-term deposit that allows a business to place funds with the bank for an agreed period and earn a fixed return.

Question 13

What is the minimum amount required?

Accepted Answer

One of the key advantages of investment savings is accessibility. For legal entities, the minimum opening amount is just GEL 100 or USD/EUR 50.

Question 14

Which currencies are available?

Accepted Answer

To support financial diversification, investment savings accounts can be opened in three currencies: Georgian lari, US dollars and euros.

Question 15

How long can a company place its funds in an investment savings account?

Accepted Answer

The deposit term can be aligned with your company’s financial plans and ranges from 3 to 24 months.

Question 16

Can a company add more funds later?

Accepted Answer

No. Because the investment savings product operates under fixed terms, additional funds cannot be added once the agreement has been signed and the account opened.

Question 17

What type of interest rate applies?

Accepted Answer

A fixed interest rate applies, helping businesses plan their finances with greater certainty.

Question 18

How often can a company receive its interest?

Accepted Answer

You can choose to receive interest monthly, quarterly, annually or at the end of the term.

Question 19

How is interest calculated?

Accepted Answer

Interest is calculated and accrued at the end of each day based on the balance held in the investment savings account.

Question 20

Why choose MBC Investment Savings?

Accepted Answer

MBC Investment Savings is designed for businesses that want to put available funds to productive use. It offers competitive returns across available currencies and allows you to choose when and how frequently you receive the interest earned. MBC operates under a microbank licence issued by the National Bank of Georgia and complies with the regulatory and security standards applicable to major banks operating in the country. MBC is also the first and only microbank to have the Georgian Pension Fund as an investor. The company has received a B+ rating from international credit rating agency Scope Ratings. MBC is also supported by international investors and is among the relatively small number of Georgian financial institutions with access to international capital. MBC has operated since 2013 and has earned the trust of more than 230,000 customers in Georgia.

Question 21

What are the benefits of working at MBC?

Accepted Answer

Working at MBC means becoming part of the growth and transformation of Georgia’s first microbank. MBC combines the professionalism of the banking sector with technology and a direct, human approach. We value initiative, a healthy culture of asking questions and the willingness to keep looking for better ways of working. For us, “Rethink” is more than a brand idea. It is part of how we work every day, with people remaining at the centre of what we do. This shapes the way we collaborate, develop products and make decisions, creating an environment built around real needs and mutual support. If you want to work for a company that sees the person behind every process and where your ideas can make a real difference, join the MBC team.

Question 22

What does the selection process involve?

Accepted Answer

The process depends on the requirements of each position. After reviewing applications, we contact shortlisted candidates for an initial conversation. Further stages may include testing, a practical assignment and one or more interviews. Candidates who successfully complete the process will receive a job offer.

Question 23

Is previous work experience required for every position?

Accepted Answer

Experience requirements depend on the role and its specific qualifications. Each vacancy clearly sets out the relevant criteria, including education, professional knowledge, previous experience and required competencies. For candidates without previous experience, MBC also offers an internship programme designed to provide practical experience, develop professional skills and help participants begin their careers.

Question 24

In which cities are job opportunities available?

Accepted Answer

MBC has service centres in Tbilisi and across different regions of Georgia, allowing candidates to apply for opportunities in locations that suit where they live. The microbank’s head office is located in Tbilisi. You can view the full list of service centres at the link provided.

Question 25

How long does it take to receive feedback?

Accepted Answer

As a general rule, candidates can expect feedback within two weeks. However, every recruitment process is different, so timelines may vary depending on the role and the number of selection stages involved. At the end of an interview, we provide each candidate with information about the next steps and the expected timeframe for feedback.

Question 26

Who can take out an unsecured consumer loan?

Accepted Answer

Any citizen of Georgia between the ages of 18 and 65 can use an unsecured consumer loan.

Question 27

What loan amount is available for an unsecured consumer loan?

Accepted Answer

You can apply for whatever amount you need for an unsecured consumer loan, with a limit of 500 to 20,000 GEL.

Question 28

What term is available for an unsecured consumer loan?

Accepted Answer

You can take an unsecured consumer loan for a term up to 48 months, making it easier to spread out your monthly payment.

Question 29

Can I take a loan alongside an obligation at another bank?

Accepted Answer

Yes, taking an unsecured consumer loan alongside another obligation is entirely possible, as long as your current monthly income is enough to cover the new financial commitment.

Question 30

What is the issuance fee for an unsecured consumer loan?

Accepted Answer

The issuance fee for an unsecured consumer loan is 2%.

Question 31

What is the early repayment fee?

Accepted Answer

The early repayment fee for an unsecured consumer loan is 0% to 2%.

Question 32

Can I transfer an unsecured consumer loan?

Accepted Answer

Yes, you can easily transfer an unsecured consumer loan from any financial institution. You can also apply to consolidate your existing loans.

Question 33

Can I submit the application remotely?

Accepted Answer

Yes, you can apply for an unsecured consumer loan and check your credit eligibility either online or by visiting your nearest service center.

Question 34

Can I repay an unsecured consumer loan early?

Accepted Answer

Yes, you can repay an unsecured consumer loan ahead of schedule at any time. Note that early repayment fees apply.

Question 35

Who can take out a consumer loan secured by real estate?

Accepted Answer

Any citizen of Georgia between the ages of 18 and 65 can use a consumer loan secured by real estate.

Question 36

What loan amount is available for a consumer loan secured by real estate?

Accepted Answer

You can apply for whatever amount you need, with a limit of 2,000 to 300,000 GEL.

Question 37

What term is available for a consumer loan secured by real estate?

Accepted Answer

You can get a consumer loan secured by real estate with terms up to 120 months, making it easier to spread out your monthly payment.

Question 38

Can I take a loan alongside an obligation at another bank?

Accepted Answer

Yes, taking a loan alongside another obligation is entirely possible, as long as your current monthly income is enough to cover the new financial commitment.

Question 39

Do I need a co-borrower or guarantor?

Accepted Answer

Every request is reviewed individually. Note that only a family member (mother, father, sister, brother, or spouse) can act as co-borrower, while a guarantor can be any third party other than a family member.

Question 40

Is insurance or a down payment required?

Accepted Answer

No, a consumer loan secured by real estate does not require property or life insurance. There's also no down payment required to take out the loan.

Question 41

What is the early repayment fee?

Accepted Answer

The early repayment fee for a consumer loan secured by real estate is 0% to 2%.

Question 42

Can I transfer my loan?

Accepted Answer

Yes, you can easily transfer a consumer loan secured by real estate from any financial institution. You can also apply to consolidate your existing loans.

Question 43

Can I submit the application remotely?

Accepted Answer

You can apply for a real estate-secured consumer loan to check your credit eligibility either online or by visiting your nearest service center.

Question 44

Can I repay the loan early?

Accepted Answer

Yes, you can repay a consumer loan secured by real estate ahead of schedule at any time convenient for you. Note that early repayment fees apply.

Question 45

Who can take out a mortgage loan?

Accepted Answer

Any citizen of Georgia can use a mortgage loan, and to receive the financial service the borrower's age must be between 18 and 65.

Question 46

Can I take out a mortgage loan if I already have an obligation with another bank?

Accepted Answer

Yes, having an active loan with another financial institution is not an obstacle. Getting financing alongside that obligation is entirely possible, as long as your existing income is enough to cover the additional financial commitment.

Question 47

How much can I get?

Accepted Answer

The mortgage loan limit ranges from 2,000 GEL to 300,000 GEL.

Question 48

What term can I take a mortgage loan for?

Accepted Answer

You can obtain a mortgage loan for a term of up to 120 months.

Question 49

What are the costs of early repayment?

Accepted Answer

Repaying the contract ahead of schedule carries an early repayment fee that depends directly on how much time remains until the loan ends. Specifically: If less than 6 months remain, the fee is 0% For up to 12 months remaining, it's 0.5% Between 12 and 24 months remaining, it's 1% If more than 24 months remain, the fee is 2%

Question 50

What penalties apply for late payment on a mortgage loan?

Accepted Answer

If you fall behind, you'll be charged a penalty equal to 0,10% of the loan's remaining principal for every day of late payment.

Question 51

Where and how is an approved mortgage loan issued?

Accepted Answer

After your application is reviewed and your mortgage loan is finally approved, the funds can be issued and the relevant procedures completed directly at an MBC service center.

Question 52

What share of the clearance cost is financed?

Accepted Answer

MBC finances up to 110% of the clearance cost.

Question 53

What documents do I need for a customs clearance loan?

Accepted Answer

MBC finances up to 110% of the customs clearance cost, helping you avoid any unexpected expenses. The maximum loan amount is GEL 50,000.

Question 54

What documents do I need for a customs clearance loan?

Accepted Answer

Along with an ID document, you need to submit the car's documentation (the bill of lading/import paperwork).

Question 55

Can someone else take out the loan to clear my car through customs?

Accepted Answer

No, given the specifics of this product, the person importing the car must be the borrower themselves.

Question 56

What happens after I clear the car through customs?

Accepted Answer

Once the purpose of the loan is fulfilled (that is, once customs clearance is complete), the interest rate can be reduced to align with standard auto loan terms.

Question 57

What is the interest rate before the purpose is fulfilled?

Accepted Answer

Before clearance is completed, the interest rate is 38% a year (effective rate from 46.89%).

Question 58

What is the repayment term for the auto loan?

Accepted Answer

Auto loan is available for up to 72 months.

Question 59

How long does approval take?

Accepted Answer

Approval is fast and entirely remote, taking just 30 minutes.

Question 60

Can I request a customs clearance loan without proof of income?

Accepted Answer

Yes, you can request this auto loan without proof of income.

Question 61

What are the issuance and early repayment fees for a customs clearance auto loan?

Accepted Answer

The issuance fee is 2%, and the early repayment fee is 0% to 2%, depending on the remaining term.

Question 62

What does a loan secured by a car mean?

Accepted Answer

This product lets you use your own car as capital and get financing for personal or business purposes.

Question 63

Can I still drive the car while I have the loan?

Accepted Answer

Yes, the car remains in your possession and you keep driving it as usual.

Question 64

Can I transfer an auto loan from another institution to MBC?

Accepted Answer

Yes, a loan secured by a car is a great fit for transferring an existing loan to better terms.

Frequently asked questions

Popular questions