Private financing
Fast, flexible credit without a traditional bank process.
- Terms up to 7 years
- Custom monthly payment plans
- Suitable for non-residents and time-sensitive transactions
- Indicative fixed rates from 6–10% annually
Flexible credit & mortgage options
Real Estate Financing in the Dominican Republic
Professional financing guidance for residents, foreign buyers and international investors purchasing apartments, villas, commercial property or land.
Explore financing optionsA24Property financing overview
Financing term7 or 30
years
Private creditUp to 7 yearsFlexible structure
Bank mortgageUp to 30 yearsLong-term financing
Private creditUp to 7 years
Bank mortgageUp to 30 years
Starting contributionFrom 30%
Two financing paths
Choose the structure that fits the purchase.
Financing may be available without Dominican residency. Final eligibility, rate, term and documentation are determined by the selected private lender or bank.
Bank mortgage
Long-term financing for residential and investment property.
- Terms up to 30 years
- Independent bank appraisal
- Credit and income verification
- Indicative rates from 6–9%, fixed or variable
Property financing guide
Financing across selected property categories.
01Ocean-view apartments
02Private villas with pools
03Development-ready land lots
04Commercial real estate — shops, hotels and offices
Minimum down payment
From 30% of the property value; some bank loans may require more.
Loan term
Up to 7 years for private financing or 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. Bank mortgages: from 6–9% annually, fixed or variable depending on the lender.
Monthly payment plan
Customized according to income, loan amount and term. Banks may apply a debt-to-income ratio, typically 35–50%.
Proof of income
Salary slips or bank statements for 3–6 months, an income declaration or tax return, and evidence of other income sources where applicable.
Credit history
Bank applicants may need a credit score or report from their country of origin. Private lenders may accept clients without a formal credit check.
Property appraisal
Banks conduct an independent valuation before confirming the approved loan amount.
Legal documents
A valid passport and purchase or reservation agreement are required. Residence documentation may be requested for local buyers.
Indicative example
A US$300,000 property.
This example illustrates the structure described in the original financing guide. It is not a loan offer.
Property priceUS$300,000
Down paymentFrom US$90,000
Private financingUp to 7 years
Bank mortgageUp to 30 years
From review to closing
A guided financing process.
Initial review
Property, down payment, income profile and preferred financing structure.
Pre-approval
Indicative lender review may be available within 24 hours when the required information is complete.
Final assessment
The lender verifies documents, credit profile and, for bank loans, the independent property appraisal.
Legal closing
Property documentation and financing conditions are reviewed before funds are released.
Indicative timing from the original guide: pre-approval may be available within 24 hours, final approval in 1–3 business days and funds in 3–7 business days. Actual timing depends on the lender, complete documentation, appraisal and legal review.
Financing consultation
Build the right payment structure for your property.
We can help you prepare the required information, compare the available financing paths and coordinate the next steps through legal closing.