Juin 2026 · 7 min de lecture
Yes — you can complete the entire DR mortgage process remotely.
La réponse courte est oui — vous pouvez compléter chaque étape d'une demande de prêt hypothécaire dominicain sans mettre les pieds en RD. Le processus est de plus en plus favorable au travail à distance, et HipoTech a été conçu spécifiquement pour soutenir les demandeurs internationaux.
Mortgage simulation & pre-qualification
Fully remoteHipoTech's simulator runs entirely online. No in-person meeting required.
Tool: /simulator
Document assembly & submission
Fully remoteAll documents are submitted digitally as PDF scans. Application is distributed to qualifying banks simultaneously.
Tool: HipoTech application portal
Property search
Largely remoteVirtual tours, video calls with agents, online listings. A short in-country visit during search is recommended but not required.
Tool: Dominican real estate portals + agent video tours
Purchase promise agreement (promesa de venta)
Remote with attorneyYour attorney drafts and reviews. You sign remotely via notarized and apostilled poder notarial. Deposit is wired internationally.
Tool: Dominican attorney + poder notarial
Property appraisal
Handled locallyThe tasador physically visits the property — you don't need to be present. You select, pay (wire), and receive the report digitally.
Tool: /appraisers
Bank underwriting & offer review
Fully remoteBanks underwrite on their side. You receive commitment letters digitally. Review with your attorney via video call or email.
Tool: Email + HipoTech portal
Closing
Poder notarial requiredRequires physical presence OR a properly executed poder notarial. Your attorney attends, signs all documents, and receives the property on your behalf.
Tool: Dominican attorney with poder notarial
Title registration & post-closing
Handled locallyYour attorney submits documents to the Registro de Títulos. Certificate in your name is issued 2–6 weeks later.
Tool: Dominican attorney
Une procuration (poder notarial) est un acte notarié qui autorise votre avocat dominicain à signer des documents juridiques en votre nom en RD.
Draft with your Dominican attorney specifying exactly what actions are authorized.
Have it notarized by a licensed notary in your home country.
Obtain an apostille from the relevant authority in your country.
Send the apostilled document to your attorney in the DR via DHL or similar.
Timeline
Prévoyez 2–4 semaines pour ce processus. Commencez tôt — le délai de traitement de la procuration est la source la plus courante de retards à la clôture pour les acheteurs à distance.
Cost
Typiquement USD 100–300 pour la notarisation et l'apostille selon votre localisation.
Un pourcentage significatif des acheteurs étrangers complètent l'ensemble de leur achat immobilier et demande de prêt hypothécaire en RD sans visiter le pays. Le processus est mature et bien soutenu pour les acheteurs à distance.
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