Up to 70% LTV through Banco Santa Cruz
Preferential rates, fast approval and no prepayment penalties — up to 70% LTV for Dominican buyers and 50% LTV for foreign nationals.
Every payment goes to Sienna's developer company account and is tied to a signed contract; villa payments follow construction progress, so you never pay for work not yet done. See the full buyer-protection framework →
Why Banco Santa Cruz
Sienna has negotiated a dedicated financing program with Banco Santa Cruz, one of the Dominican Republic's leading banks. This isn't a generic mortgage — it's a partnership built specifically for Sienna buyers, with benefits you won't find on the open market.
Financing Terms by Buyer Profile
Dominican Nationals & Dominicans Living Abroad
Up to 70% of property value financed with up to 10-year term.
Foreign Nationals
Up to 50% of property value financed with up to 10-year term.
Example
A foreign buyer purchasing a $120,000 lot can finance up to $60,000 over 10 years, with a $60,000 down payment. Rates are set at time of application based on market conditions.
What You'll Need
We help you prepare everything. Here's what the bank requires so there are no surprises.
Dominican Resident in DR
- Loan application
- Employment letter
- 6 months of bank statements
- Cedula copy
- Purchase contract or letter of intent
- Property appraisal
Dominican Abroad or Foreign National
- Last 2 years of income tax filings (W-2)
- Employment letter (if employed)
- 6 months of bank statements
- Passport copy
- Second ID (driver's license or national ID)
- Social Security copy (US nationals/residents)
- International credit bureau authorization ($32 USD, processed at any BSC branch)
- Purchase contract or letter of intent
- Property appraisal
Don't worry about the property-side documents — title certificate, IPI certification, and lien clearance are all prepared by our legal team on your behalf.
Don't need a bank loan?
Lot payments are staged across three milestones — reservation, Promise of Sale, and Act of Sale & delivery. You can pay each milestone with cash, wire, or BSC financing as it comes due.