A Five-Tetri Dollar Move Changes a $15,000 Car Bill by GEL750

BM.ge reported a week-end exchange rate of GEL2.6095 per US dollar on 11 September. At that reference rate, a hypothetical $15,000 vehicle invoice equals GEL39,142.50. A change of five tetri per dollar changes the lari equivalent by GEL750. The size of the unpaid foreign-currency amount determines the exposure, even when the quoted vehicle price stays exactly the same.

If a hypothetical $3,000 deposit has already been paid, $12,000 remains. A five-tetri move then changes the remaining lari requirement by GEL600, rather than GEL750. Add any separately unpaid dollar freight or auction charges to that balance. Keep settled payments at the rate actually paid: revaluing the whole purchase after every currency move can obscure the remaining cash requirement.

Write each unpaid instalment next to its due date and currency. A lari payment fixed by contract creates a different exposure from a dollar amount converted on the settlement day. If the seller allows either currency, compare the two complete settlement amounts before choosing. Record the agreed conversion rule in the invoice or contract so both parties use the same reference at payment.

Ask which currency the invoice uses, which rate is applied, when conversion occurs and how long the quote remains valid. The official reference rate and the bank or payment provider rate may differ. Compare the final amount debited, including conversion fees. This exercise assumes an unchanged dollar invoice; the exchange-rate cases are scenarios, while the 2.6095 reference belongs to 11 September.