A loan at the bank in Georgian
A client asks about loan and installment terms in Georgian. 8 phrases that the conversation is made of: «გამარჯობა. კრედიტის აღება მინდა.» — Hello. I want to take out a loan.; «გამარჯობა. რა თანხა და რა ვადით გჭირდებათ?» — Hello. What amount and for what term do you need? Every line can be played right on the page. The conversation is predictable: few lines, and almost all of them repeat from one exchange to the next.
How the whole thing sounds
The situation: a client asks about loan and installment terms. The conversation is short and predictable — which is exactly what makes it good for a first try: few lines, and almost all of them repeat from one exchange to the next.
- გამარჯობა. კრედიტის აღება მინდა.gamarjoba. kreditis agheba minda.Hello. I want to take out a loan.
- გამარჯობა. რა თანხა და რა ვადით გჭირდებათ?gamarjoba. ra tankha da ra vadit gchirdebat?Hello. What amount and for what term do you need?
- ხუთი ათასი, სამ წელზე. პროცენტი რამდენია?khuti atasi, sam tselze. protsenti ramdenia?Five thousand, for three years. What's the interest rate?
- თორმეტი. გადახდის ვადა ყოველი თვის ხუთ რიცხვშია.tormeti. gadakhdis vada qoveli tvis khut ritskhvshia.Twelve. The payment due date is the fifth of every month.
- ვადის გადაცილებაზე ჯარიმაა?vadis gadatsilebaze jarimaa?Is there a penalty for being late?
- დიახ, ერიცხება. ვადაზე ადრე დაფარვა კი უფასოა.diakh, eritskheba. vadaze adre daparva ki upasoa.Yes, it accrues. But early repayment is free.
- ანგარიშის ამონაწერი დამჭირდება?angarishis amonatseri damchirdeba?Will I need a bank statement?
- დაგჭირდებათ. ხელფასის ცნობაც მოიტანეთ.dagchirdebat. khelpasis tsnobats moitanet.You will. Also bring a proof of salary.
Lines one by one
| Georgian | Reading | Translation |
|---|---|---|
| გამარჯობა. კრედიტის აღება მინდა. | gamarjoba. kreditis agheba minda. | Hello. I want to take out a loan. |
| გამარჯობა. რა თანხა და რა ვადით გჭირდებათ? | gamarjoba. ra tankha da ra vadit gchirdebat? | Hello. What amount and for what term do you need? |
| ხუთი ათასი, სამ წელზე. პროცენტი რამდენია? | khuti atasi, sam tselze. protsenti ramdenia? | Five thousand, for three years. What's the interest rate? |
| თორმეტი. გადახდის ვადა ყოველი თვის ხუთ რიცხვშია. | tormeti. gadakhdis vada qoveli tvis khut ritskhvshia. | Twelve. The payment due date is the fifth of every month. |
| ვადის გადაცილებაზე ჯარიმაა? | vadis gadatsilebaze jarimaa? | Is there a penalty for being late? |
| დიახ, ერიცხება. ვადაზე ადრე დაფარვა კი უფასოა. | diakh, eritskheba. vadaze adre daparva ki upasoa. | Yes, it accrues. But early repayment is free. |
| ანგარიშის ამონაწერი დამჭირდება? | angarishis amonatseri damchirdeba? | Will I need a bank statement? |
| დაგჭირდებათ. ხელფასის ცნობაც მოიტანეთ. | dagchirdebat. khelpasis tsnobats moitanet. | You will. Also bring a proof of salary. |
How to prepare for a conversation like this
Memorizing the lines is not enough: the other person will say their own thing, not what is written. What helps more is catching the key words by ear and keeping three rescue phrases ready: “I don't understand”, “repeat, please”, “slower”.
And one more thing phrasebooks do not mention: awkwardness gets in the way more than not knowing the words.
- Fear of making mistakes gets in the way of learning a language, and it gets in the way badly. It is one of the most reliably measured findings in the entire field.checked many timesTeimouri, Goetze & Plonsky, 2019, Studies in Second Language Acquisition 41(2) · 19,933 participants from 23 countries; correlation with results r = −0.36.
- That fear can be dealt with — the methods have been tested and they work.checked many timesXiong et al., 2024, Journal of Language and Social Psychology · 37 studies, anxiety reduced by −0.61. Of the seven conditions examined, only age turned out to matter.
Frequently asked
How do you start a conversation in Georgian in this situation?
“გამარჯობა. კრედიტის აღება მინდა.” (gamarjoba. kreditis agheba minda.) — Hello. I want to take out a loan.. The first line in such a conversation is almost always the same, and that is the one worth learning: the other person will carry it from there.
What if you did not understand the reply?
Say “I don't understand” and “repeat, please” — both are in the rescue set. Admitting your language is still shaky almost always makes the other person more patient.
Should you memorize the dialogue?
No. It is more useful to catch the key words by ear: the other person will say their own thing, and a memorized line will not always fit their reply.