Bank Financing
Financing for our clients is provided through our banking partner Banco BDI. Foreign investors, not only Dominican residents, can apply for construction financing in US dollars.
Check how much loan you can afford
Indicative monthly payment
1,000 – 1,200 USD / month
Indicative loan amount
100,000 – 125,000 USD
Indicative budget for plot with house
205,000 – 250,000 USD
The loan covers up to 50% of the value; the rest is your own contribution
Assumptions: 8% per year in USD, 15-year term, payment 25–30% of net income, total debt payments up to 40% of net income.
If you are self-employed, the bank counts income differently. Leave your contact and an advisor will recalculate it for you.
This result is indicative and is not an offer or a credit decision. BDI bank carries out the final analysis individually. The final loan requires a ready land title.
At a glance
8-10% p.a.
Indicative rate
Subject to Banco BDI's assessment
USD
Currency
Construction financing
70% / 50%
Two structures
Depending on the financing basis
Every figure on this page is indicative and Banco BDI decides on each application after its own assessment.
The partnership
Why Banco BDI
Samana Group is working with Banco BDI, a Dominican bank with significant experience in real-estate financing and an established presence in the Samaná market. The bank has worked with projects including Puerto Bahía Hotel & Residences and Hacienda Samaná Bay, giving its team practical familiarity with the region and its real-estate market.
Financing for our clients is provided through our banking partner Banco BDI. Samana Group prepares the property-side documentation and connects the buyer with the bank; the assessment, the terms and the final decision rest with Banco BDI alone.
Financing is not automatic
Every application is assessed individually by Banco BDI based on the client's financial capacity, the property valuation and the supporting documentation. Only the bank can confirm the rate, the amount and the approval.
Structures
Two financing structures
The appropriate structure depends on the property, the construction stage, the valuation and the client's profile. The figures below summarize the current indicative framework and remain subject to the bank's assessment.
Option 1
Up to 70% of direct construction cost
- Client starts with
- The first 30% of the construction cost
- Bank financing
- Up to 70% of the direct construction cost
- Land value
- Not included in this calculation
- Disbursement
- Released in stages against certified construction progress
Option 2
Up to 50% based on project valuation
- Valuation basis
- The land value is taken into account
- Bank financing
- Up to 50%, subject to the approved valuation
- Potential starting point
- Bank disbursement may begin once construction reaches approximately 20%
- Disbursement
- Subsequent payments follow certified progress and the bank-approved valuation
Worked example
See it with real numbers
An illustration of Option 1, up to 70% of direct construction cost, for a Flat House Basic on a 500 m² plot. The example uses the minimum end of the indicative rate range and the longest example term.
Example property: Flat House Basic + 500 m² plot
- House, direct construction cost
- $250,000
- Plot, 500 m² at $85/m²
- $42,500
- Buyer funds first, 30% of construction cost
- $75,000
- Bank financing, 70% of construction cost
- $175,000
- Cash needed to start (plot + down payment)
- $117,500
Assumed for this example
8% p.a., the minimum of the indicative range, over 15 years
Estimated monthly payment
≈ $1,672
This is an example estimation only, not an offer. Banco BDI sets the actual rate, term and approval after assessing your file, and the final, detailed offer depends on your credit scoring.
Disbursement
How staged disbursement works
Rather than releasing the full loan amount upfront, the bank disburses approved funds progressively as construction advances. Each release is linked to certified progress and to the conditions established by Banco BDI. This aligns the financing with the actual development of the home.
Application & assessment
Approval & valuation
Construction progress
Staged bank disbursements
Initial documentation
The following documents form part of the preliminary application package. Banco BDI may request additional information depending on the applicant and the transaction.
Provided by Samana Group
- Property appraisal issued within the last 12 months
- Updated IPI property-tax certification
- Updated clean legal-status certification for the property
- Purchase agreement
Provided by the client
- Bank statements for the last 6 months
- Employment or income confirmation
- Tax returns for the last 12 months
- Evidence of additional assets, investments or property ownership
- Signed Banco BDI KYC/compliance documentation
What happens next
- 1
Tell the Samana Group team that you would like to explore Banco BDI financing.
- 2
We help you understand which financing structure may be relevant and prepare the property-side documentation.
- 3
You prepare your personal financial documentation and complete the bank's compliance requirements.
- 4
Banco BDI evaluates the application, the valuation and the credit profile, and communicates its final terms and approval decision.
Frequently asked questions
Bank financing is our preferred route for villa buyers. Through our banking partner Banco BDI, eligible clients—including foreign buyers—can apply for construction financing in US dollars. This can help you build your home while spreading the financial commitment over time.
The current indicative framework offers up to 70% of direct construction costs, excluding land, or up to 50% based on an approved project valuation that takes land into account. Indicative interest rates are 8–10% per year, and funds are released in stages against certified construction progress. The bank assesses each application individually and determines the approved amount, rate, repayment term, and final conditions.
Our team helps prepare the property-side documentation and connects you with Banco BDI. Visit https://samana-group.net/financing/bank-financing and speak with our sales team to explore the current options for your home.
We agree the payment currency with you before signing, and specify it in the contract. You pay the agreed amounts in that currency, and Samana Group receives payment in the same currency. Speak with our sales team about your preferred currency so we can confirm the available arrangements before you commit.
Both parties accept their own exchange-rate exposure when agreeing the contract currency. If you convert funds from another currency, exchange-rate movements may affect your cost of paying. Likewise, movements may affect the value of the funds we receive relative to our costs in other currencies. Each party bears its respective exposure; this does not imply an equal split of the risk.
Your contract sets out the payment currency, amounts, schedule, and any applicable fees, giving both parties a clear basis for payment.
Plan your purchase around a clear closing-cost breakdown as well as the property price. The main items to review are:
Transfer tax: ordinarily 3% of the higher of the declared sale value and DGII's assessed property value, unless an exemption applies. For an eligible CONFOTUR purchase, the applicable exemption must be confirmed and processed. For illustration, a US$150,000 tax base would produce US$4,500 in transfer tax without an exemption; the actual assessment is made in Dominican pesos.
Legal and notarial services: fees for due diligence, contract review, execution, and related work depend on the agreed scope. Obtain a written quotation, including any applicable tax on those services.
Registry and documentation costs: title-registration services, certifications, translations, apostilles, powers of attorney, and survey-related work where needed. The required items vary by transaction.
Financing costs, if applicable: the lender's valuation, loan-related legal and registration charges, insurance, and other fees are separate from a cash purchase and should be quoted by the lender.
Before committing, ask our sales team and your lawyer for an itemised estimate showing the price, taxes, professional fees, other charges, confirmed exemptions, and who pays each item. Any costs covered by Samana Group under a special offer should be stated explicitly in your transaction terms.
Official transfer-tax information: https://ayuda.dgii.gov.do/conversations/discusiones/revalorizacin-de-inmueble/646506658ea3c9635cf36b8b
Interested in financing your Flat House?
Important notice
All financing terms, interest rates, valuations, percentages and disbursement schedules on this page are indicative only and remain subject to Banco BDI's credit assessment, documentation requirements, property valuation and final approval. Availability and conditions may change.