首页 侨民指南 Georgia

侨民指南：2026年在格鲁吉亚生活

格鲁吉亚（高加索国家）已成为全球数字游民、企业家和侨民最受欢迎的目的地之一。原因在于：95个以上国籍可享365天免签证入境、统一20%所得税（小企业1%）、极低生活成本、快速互联网以及充满活力的年轻都市首都第比利斯。

最后更新：2026年3月 — 编辑团队, eVisa-Card.com

格鲁吉亚概况

首都Tbilisi
货币Georgian Lari (GEL)
语言Georgian, Russian, English
月均花费~$700–1,500/month

📋 目录

  1. 签证与居留
  2. 医疗保健
  3. 健康保险
  4. 银行账户
  5. 购买房产
  6. 税务与财务移民

🛂 签证与居留选项

签证类型详情
Visa-Free 停留时间 (365 days)Citizens of 95+ countries (including USA, EU, UK, Canada, Australia) can stay 365 consecutive days without a visa. No income or investment requirement. The simplest option for digital nomads.
Residency by InvestmentInvestment in Georgian real estate or business. Minimum $100,000 in real estate OR $300,000 in business. Temporary residency for 6 years, then permanent.
Employment ResidencyFor those employed by a Georgian company. Employer applies on your behalf. Temporary residency.
Permanent ResidencyAfter 6 years of continuous legal residence. Or by marriage to a Georgian citizen (3 years).
Citizenship by InvestmentExceptional status granted by Presidential decree. Requires significant economic contribution. Rare but possible.

分步流程

  1. Citizens of 95+ countries: simply enter Georgia with a valid passport — no pre-arrival visa needed
  2. Register your stay at the House of Justice (სამართლის სახლი) if staying 30+ days
  3. Obtain a Personal Identification Number (personal ID) at the 公共服务大厅
  4. Open a Georgian bank account (requires passport + Georgian phone number)
  5. Register for tax purposes at the 税务服务 (rs.ge) if earning Georgian income
  6. For residency: apply at the Civil Registry Agency with investment proof
💡 专家提示： Georgia's 1% flat tax on annual revenue up to 500,000 GEL (~$180,000) for small status businesses makes it extraordinarily attractive for freelancers and entrepreneurs. Register as a 'Small Business' (მცირე ბიზნესი) or 'Virtual Zone Company' for IT businesses (0% corporate tax, 5% dividend tax).

🏥 格鲁吉亚医疗保健

公立医疗

Georgia has a Universal 医疗保健 programme (UHC) that provides basic coverage to all Georgian citizens and legal residents. Foreigners without residency are not covered. Emergency treatment is available to all, but costs must be paid privately.

私立医疗

Private hospitals in Tbilisi are modern and affordable: Mediclub Georgia, Todua Medical Centre, Acad. O. Gudushauri Hospital, American Medical Center. Quality varies — major hospitals in Tbilisi are good; rural areas have limited facilities.

典型费用

服务费用
私人全科医生咨询30–80 GEL (~$11–29)
专科医生咨询50–150 GEL (~$18–55)
急诊（私立医院）100–500 GEL (~$36–182)
Hospitalisation (private, 每晚)150–600 GEL (~$55–218)
洁牙30–70 GEL (~$11–25)
基础血液检测20–50 GEL (~$7–18)
ℹ️ 推荐： 医疗保健 is very cheap in Georgia. Even without insurance, paying out of pocket for routine care is affordable. International health insurance is recommended primarily for serious illness, surgery or medical evacuation.

🛡️ 格鲁吉亚健康保险

Health insurance is not required for visa-free stays in Georgia. However, it is strongly recommended given the limitations of the public health system and the need for medical evacuation coverage for serious conditions.

最佳外籍人士保险公司

GPI Insurance (Georgia)
Georgia's largest local insurer. Affordable plans from ~80 GEL/month. Good network of local hospitals.
Aldagi (Vienna Insurance Group)
Strong local insurer. Comprehensive plans with dental. From ~100 GEL/month.
Imedi L (local)
Good value for routine care. Popular with local expat community. From ~70 GEL/month.
Cigna Global
International plan for worldwide coverage including medical evacuation. From ~$80/month.
SafetyWing
Nomad-focused insurance. Affordable, flexible. Good for short-to-medium stays. From ~$45/month.
💡 专家提示： SafetyWing is popular with the large digital nomad community in Tbilisi — very affordable and easy to sign up for. For longer-term residents, a local Georgian plan (GPI, Aldagi) provides better coverage at lower cost.

🏦 在格鲁吉亚开设银行账户

Georgia has one of the most foreigner-friendly banking environments in the world. Bank accounts can be opened quickly, often same-day, with just a passport — no residency required.

推荐银行

TBC Bank — Georgia's largest bank. Excellent English app. Fastest account opening (sometimes 15 minutes in-branch). Multi-currency accounts. Highly recommended.
Bank of Georgia — Second-largest bank. Good digital banking. English-speaking staff. Multi-currency (GEL, USD, EUR).
Credo Bank — Good for small businesses and entrepreneurs. Competitive FX rates.
Liberty Bank — Widespread branches. Good for everyday transactions.
Wise / Revolut — Not Georgian banks but widely used for international transfers. Complement your local TBC or Bank of Georgia account.

所需文件

  • Valid passport (that's it — no residency required for basic accounts)
  • Georgian phone number (for 2FA — buy a SIM at the airport for ~$5)
  • In some cases: proof of address (rental contract)

分步流程

  1. Buy a Georgian SIM card (Magti or Geocell) at the airport
  2. Visit any TBC Bank or Bank of Georgia branch
  3. Present passport and phone number
  4. Account opened same day — typically within 30–60 minutes
  5. Receive debit card immediately or within 1–2 days
  6. Activate mobile banking via the app
💡 专家提示： TBC Bank is the clear expat favourite in Georgia — the app is in English, account opening takes 15–30 minutes with just your passport, and you get a multi-currency account (GEL + USD + EUR) from day one. No other country in the world makes banking this easy for foreigners.

🏠 在格鲁吉亚购买房产

Georgia has no restrictions on foreign property ownership. Foreigners can buy any type of property — apartments, houses, commercial — with the same rights as Georgian citizens. The market is transparent, prices are low, and the process is quick. Investment ≥$100,000 qualifies for residency.

Options for Foreigners

Freehold Purchase
Full ownership. No restrictions. Registered at the National Agency of Public Registry (NAPR). Most secure and straightforward.
Residency Qualification
Property investment ≥$100,000 qualifies for a 6-year temporary residency permit.
Off-Plan / New Development
Popular in Tbilisi, Batumi and Gudauri. Developers offer flexible payment plans. Batumi (Black Sea) is a popular short-term rental market.

购买流程

  1. No lawyer strictly required (system is very simple) but highly recommended for foreigners
  2. Agree price with seller — a real estate agent is optional
  3. Visit the House of Justice (სამართლის სახლი) together
  4. Present passports of buyer and seller
  5. Sign the purchase agreement and pay
  6. Registration completed on-the-spot or within 1–4 business days
  7. Receive new ownership certificate

典型费用

Item费用
房产登记费~50–200 GEL (~$18–73) — extremely low
Notarisation (if applicable)~100–300 GEL
中介佣金2–5% (if applicable)
年度房产税0.05–1% depending on owner income and property value
无房产转让税—
💡 专家提示： Georgia has one of the world's simplest property purchase systems. Two people walk into a House of Justice, sign a document and walk out with a new ownership certificate — sometimes in under an hour. No lawyers, no notaries, no complex due diligence required (though still recommended). Batumi has a booming short-term rental market with yields of 8–12%.

关于本指南

本指南由eVisa-Card.com编辑团队研究和维护。 最后更新：2026年3月。 在做出重大决定之前，请始终向官方政府来源核实当前要求，并咨询持牌专业人员。

相关移居指南

所有移居指南
退休签证指南
最便宜的退休国家

💰 税务与财务移民

资本利得税
0%
税务制度
领土制 + Small Business
加密货币友好度
9/10
离境税
否

资本利得税: 0% CGT for individuals

主要税务要点

  • 0% capital gains tax for individuals
  • 1% turnover tax for small businesses (< 500k GEL)
  • Virtual Zone (IT): 0% corporate tax on foreign income
  • 365-day visa-free stay for 90+ nationalities

模拟您的税务节省

使用我们的免费财务移民模拟器，比较您在格鲁吉亚的税务节省。

🚀 模拟您的税务节省 →

由 Taxes-Crypto.eu

税务信息仅供一般参考。在做出移居决定前，请咨询合格的税务顾问。

📚 官方来源与参考资料

编辑团队 — eVisa-Card.com

侨民指南由旅游专家、移民专家和具有格鲁吉亚第一手经验的侨民撰写。

✔ 经过核实的信息 ✔ 更新于2026年3月 ✔ 引用官方来源