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Now Available

Bank Financing
for International Buyers

Up to 80% financing through our banking partnership with BCT Bank. U.S. and Canadian citizens welcome.

Contact Sales

Bank Financing Available

Unlike most Costa Rica developments requiring 100% cash, we offer real bank financing through BCT Bank

International Buyers Welcome

U.S. and Canadian citizens can qualify with no Costa Rica residency required

Competitive Rates

Starting at 7.75% fixed for the first two years with terms up to 30 years

Financing Programs

Three options designed for different buyer profiles

Best Terms

Primary Residence

For full-time Costa Rica living

7.75% Fixed Years 1–2
  • 80% Loan-to-Value
  • 30 year term
  • Prime + 2.25% after year 2
  • Up to $1.5M loan amount
1.50% bank fee

Second Home

Vacation property or rental investment

8.50% Fixed Years 1–2
  • 65% Loan-to-Value
  • 20 year term
  • Prime + 3.50% after year 2
  • Up to $1.5M loan amount
1.25% bank fee

Bridge Loan

Cash-out refinance for existing owners

11.0% Fixed Entire Term
  • 65% Loan-to-Value
  • 5 year term
  • No rate adjustments
  • Flexible prepayment
0% bank fee

Sample Calculation

Financing example for a Mar Azul homesite

Purchase Price $400,000
$200,000 Down Payment (50%)
$200,000 Loan Amount
$1,700/mo Estimated Payment
20 years Loan Term

Land purchases qualify for 50% LTV. Home construction can increase to 65–80% LTV depending on program.

Qualification Requirements

Documentation needed for loan application

Eligibility

  • Costa Rican citizen, OR
  • U.S. citizen (non-resident OK), OR
  • Canadian citizen (non-resident OK)
  • Credit score 700+ (Equifax/Experian)
  • Debt-to-income ratio under 35%

Documentation

  • Valid passport copy
  • 2 years tax returns (CPA certified)
  • 12 months bank statements
  • 6 months investment statements
  • 3 months credit card statements

Insurance

  • Life insurance required
  • Coverage up to $500,000
  • No medical exam needed
  • Can be obtained through bank

Why Finance With Us

01

Exclusive Partnership

The only development in Nosara with established bank financing for international buyers

02

Pre-Qualified Properties

All Mar Azul homesites are pre-approved for financing — no surprises at closing

03

Guided Process

Our team guides you through every step, from application to closing

04

Build When Ready

Finance your land now, then refinance with better terms when you build

Ready to Explore Your Options?

Contact our sales team to discuss financing for your property

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Coyol Real Estate

Financing provided by

BCT Bank

Established 1977 · San José, Costa Rica

Rates and terms subject to change and credit approval. This information is for general guidance only and does not constitute a loan offer or commitment. Contact us for current rates and complete qualification details.

La Luna Coyol Real Estate