The average interest rates for commercial loans in the Dominican financial system stand at 11.5%, according to statistics from the Superintendency of Banks.
That average of 11.5% as of November 2025 is slightly lower than the average of 12.1% recorded in the months of May, June, and July of last year, when this rate began to gradually decrease.
However, the average rate for consumer loans is 19.6%, and has remained almost static since December 2024, only varying about 0.1% up or down in some months, despite the cuts in Monetary Policy Rates that the Central Bank has implemented since 2023.
The rates for mortgage loans are also maintained without significant variations, which remains at an average of 11.5% since July 2025.
The lowest level of interest rates for mortgage loans was recorded in April 2024, at 10.9%, since then they have slowly risen to stand at the current 11.5%.
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The Central Bank of the Dominican Republic (BCRD), in its monetary policy meeting of October 2025, decided to reduce its monetary policy interest rate (MPR) by 25 basis points, from 5.50% to 5.25% per annum.
It is also recalled that in June 2025 the Monetary Board authorized a liquidity provision program of RD$81 billion to promote favorable monetary conditions and contribute to the dynamism of economic activity.
The program included the release of legal reserve for RD$50 billion for productive sectors and the use of RD$14 billion available from legal reserve measures approved by the Monetary Board in 2024 for the housing sector.
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Those resources should have been granted at an interest rate no higher than 9% per annum and terms of up to two years, for economic sectors with a broad impact on productive activity, such as construction, commerce, manufacturing, export, agriculture, as well as for micro, small and medium-sized enterprises (MSMEs).
