Property prices in Georgia are often discussed in USD, but the payment terms must be clearly written in the contract. Foreign buyers should check the payment currency, exchange rate rules, installment schedule, bank commissions, late payment penalties and refund conditions before signing.

A professional property transaction should be paid through official and documented channels. The buyer should be able to prove where the money came from, where it was sent, what it was paid for and how the payment is reflected in the contract.

Payment structure is one of the most important parts of buying property in Georgia. Many real estate prices are quoted in USD, but the buyer should not rely only on a brochure price or verbal explanation. The contract should clearly state the total price, payment currency, payment schedule and what exchange rate is used if payment is made in another currency.

Installment plans are common in Georgian new-build projects. They may include a down payment, monthly payments, milestone payments or a final payment near completion. Before signing, the buyer should understand whether the installment plan is interest-free, whether there are penalties for late payment, whether early repayment is allowed and when ownership or future ownership rights are registered.

Foreign buyers should also calculate bank-related costs. These may include international transfer fees, receiving bank fees, currency conversion costs and compliance checks. If the buyer pays from another country, the bank may request documents confirming the source of funds.

A serious developer should be able to provide official payment details, a written payment schedule, invoice or payment instruction, and a clear explanation of what happens if payment is delayed, refunded or made from a third-party account.

The main principle is simple: the buyer should be able to prove where the money came from, where it was sent, what it was paid for and how the payment is reflected in the contract.

Crypto-related payment scenarios should be reviewed carefully. Buyers should avoid private wallets, personal accounts or unofficial payment structures.

In a professional transaction, funds should be legally converted into fiat currency through compliant channels, the buyer should be ready to pass KYC/AML checks, and the payment should be made to the official bank account of the seller or developer.

This is not legal advice. Crypto-related payment scenarios should always be checked with a qualified lawyer, bank or licensed financial service provider before any transaction.