•Ocean-view apartments

•Private villas with pools

•Development-ready land lots

•Commercial real estate (shops, hotels, offices)

Conditions for Obtaining Real Estate Financing in the Dominican Republic

✔ General Requirements for Private and Bank Financing

To apply for real estate credit in the Dominican Republic — whether through a private lender or a commercial bank, the applicant must meet several basic criteria. These conditions are designed to ensure the financial viability of the buyer and the legal safety of the transaction.

✅ Basic Credit Conditions:

• Minimum Down Payment:

From 30% of the property value (higher for some bank loans).

• Loan Term:

•Up to 7 years for private financing

•Up to 30 years for bank mortgages

• Age Limit:

The borrower’s age plus the loan term must not exceed 75 years.

• Interest Rate:

•Private loans: from 6–10% annually (fixed)

•Bank mortgages: from 6–9% annually, fixed or variable depending on the bank

• Monthly Payment Plan:

Customized based on income, loan amount, and term. Bank lenders may apply Debt-to-Income ratio rules (typically 35–50%).

• Income Proof Required:

•Salary slip or bank statements (3–6 months)

•Income declaration or tax return

•Proof of other income sources (rental, business, pensions)

• Credit History:

•For bank loans: foreign buyers must show creditworthiness (credit score or credit report from country of origin)

•Private lenders often accept clients without formal credit checks

• Property Appraisal (Bank Loans):

Banks conduct an independent property valuation to approve the loan amount.

• Legal Requirements:

•Valid passport

•Purchase agreement or property reservation contract

•In some cases, residence status (for local buyers)

📌 Additional Notes:

• Foreign buyers are eligible to apply for both private and bank financing.

• For fast transactions or non-residents, private credit is often the most flexible option.

•Legal verification of property documents is included in our service.

💬 Need help preparing documents or choosing the best financing option?

Our team will guide you through every step — from pre-approval to legal closing. Contact us today for a free consultation.

• Property Price: $300,000

•Down Payment: from $90,000

• Private Financing Term: up to 7 years

• Bank Mortgage Term: up to 30 years

•Interest Rate: Fixed (based on lender or bank conditions)

Dispones de hasta 30 años para pagar. El plazo de financiamiento más la edad, no deben exceder los 75 años.

(You have up to 30 years to pay. The loan term plus your age must not exceed 75 years.)

✔ With our support, you can choose between flexible short-term private credit or long-term mortgage financing through leading Dominican banks. Interest rates are fixed and determined individually depending on property type and financial profile.

•✅ Pre-approval in 24 hours

•✅ Final approval in 1–3 business days

•✅ Funds transferred in 3–7 business days

•✅ 100% legal property verification to ensure secure transactions

• Direct access to private lenders and bank programs

•Full support through every step of the process

•Guaranteed legal safety for every transaction

• Over 10 years of experience in Dominican real estate

•Wide selection of properties in Sosua, Cabarete, Punta Cana, Las Terrenas, and more

Contact us now and get a free consultation. We’ll help you choose the right property and build the best payment structure tailored to your needs.

With us, real estate financing in the Dominican Republic is secure, simple, and accessible.

Contact us today and get pre-approved within 24 hours.

Write to us at: sale@aguasol24.com