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Punta Cana Real Estate Financing

Financing is becoming more and more popular as a means of purchasing a home in Punta Cana.

On this page we are Featuring our properties that can be purchased with Seller Financing, which means that the seller will take back the mortgage.  You finance directly with the Seller of the Property.  Take a look at our options and contact us if this seems like an option for you.  We can customize financing to meet your needs!


Bank Financing 


For a Condo or Villa to qualify for a Bank-Originated Mortgage you must take into account the following points:


        ·         The Condo or Villa must have its Individual Title or the Developer must have 
submitted the Land Title (or “Mother” Title) for the entire community to the
                   Bank to hold until the Mortgage is paid off.

·         Completed and Signed Loan Documents.

·         Proof of Life Insurance.

·         Copy of Passport(s).

·         Copy of Income Tax Returns.

·         Signed Authorization for International Credit Report.

·         Copies of your last 3 month’s Bank Statements.

·         Monthly Income Statements.

·         Open a Bank Account with the Lender.



Seller Financing 


To buy a Condo or Villa that offers Owner Financing you must take into account the following points:


        ·         Present a Purchase Offer. 

·         Copy of Passport(s) and Other Identification (DNI, Driver's License).

·         Pay the Down Payment required by the Seller.

·        Availability to sign the Sales Contract in approx. 3 weeks after the down 
payment is paid.


For more information about the Terms of the Seller Financing please contact us info@dr4sale.com

Please note that all Rates and Terms are subject to change without notice. REMAX Tropical is publishing Rates and Terms as they have been provided to us by the Lenders. Rates and Terms are locked in once the Loan has been approved.



Frequently Asked Questions about Seller Financing


General Questions

  • What is the interest rate on Seller Financing?  We have been working with anywhere from 6-8% fixed APR depending on the down payment, the term (how many years), and the negotiation.


Buyer Questions

  • How much do I have to put down?  That depends on the negotiation.  You can normally get better terms the more you put down.  At least 20% is normally a minimum.  Contact us for information on special deals with more motivated sellers.
  • Where do I send the payments?  You send payments directly to the seller’s account.  This can be discussed and finalized prior to closing.  Buyer is responsible to pay any transfer fees to deliver the payment to the seller.
  • When do I own the property?  You own the property right away.  The seller becomes the lienholder with a first position against the title.  You are responsible and liable for the property once you take possession.
  • Is there a penalty if I want to pay off the loan early?  No.  If you want to pay off the loan before the end of the term we simply reference the original amortization table to find the corresponding payment which will note the remaining principal balance for the loan as of that payment.


Seller Questions


  • How much do the buyers put down?  Depends on the negotiation.  You have to decide the minimum you want down to deliver your property.
  • How do I receive the payments?  This is up to you.  It is the buyer’s responsibility to make the payments and to where you want them.
  • How am I protected if the buyer doesn’t pay?  Your contract will state how much, when, and how the Buyer should pay and the conditions upon which you can foreclose on them.  The mortgage can be recorded and you can reclaim the property if the buyer defaults on their payments.
  • Does it cost me more money to offer financing?  No.  You will actually earn more money by collecting interest with the monthly payments from the Buyer.



If you are a Seller and would like to offer a Financing Incentive to stimulate the possibilities to sell your property please contact us.

Our Listings that Offer Seller Financing

13 photos
Serena Village 2 BR Condo Punta Cana Real Estate, Suite B4-103
Serena Village $58,000 USD 70 sq. m."753 Square Feet" Apartment Condominium
Sale Pending
17 photos
Serena Village 2 Bedroom Condo, Fully Furnished, Suite B9-301
Serena Village SALE PENDING
$60,000 USD
Apartment Condominium
23 photos
Palm Suites Bavaro Punta Cana, Suite E1
4430861 Palm Suites $125,000 USD 1,022 sq. ft."95 m2" Apartment Condominium
37 photos
Rosa Hermosa 2BR Condo for Sale
Rosa Hermosa $149,000 USD 1,206 sq. ft."112 sq. mt." Single Story Condominium
10 photos
Land under the Villa Construction, Cocotal, Bavaro, Dominican Republic
Cocotal $165,000 USD Single Story Lots and Land
37 photos
El Ejecutivo 3 BR House Punta Cana Real Estate
76990400 El Ejecutivo $168,000 USD Single Story Residential
57 photos
Playa Turquesa 2 br Penthouse with Loft and Rooftop Terrace, Fully Furnished
145979092 Playa Turquesa $270,000 USD 1,345 sq. ft."125 sq. mt." Apartment Condominium
26 photos
Cap Cana $290,000 USD 67 sq. m."717.95 square feet." Apartment Condominium
19 photos
EXCLUSIVE Blue Beach 3BR 2nd Floor Condo Cabeza de Toro, Suite K203
Blue Beach $399,900 USD 1,850 sq. ft."172 sq. m." Apartment Condominium
36 photos
Presidential Suites 2BR, Building 5 Ocean Front Punta Cana Condo For Sale, Suite 5201
56650957 Gran Caribe $420,000 USD 150 sq. m."1614 square feet" Single Story Condominium
36 photos
Presidential Suites 2BR, Building 3 Ocean View Penthouse Punta Cana Condo For Sale
Gran Caribe $490,000 USD 131 sq. m.""1,409 square feet" + 1140 sq ft. rooftop" Apartment "FURNISHED!!" Condominium