[
  {
    "id": "banreservas",
    "nom": "Banreservas",
    "type": "banque d'État",
    "taux_min_pct": null,
    "taux_max_pct": null,
    "ltv_min_pct": null,
    "ltv_max_pct": 80,
    "duree_max_ans": 25,
    "specialites": [
      "residents",
      "taux_preferentiels"
    ],
    "devises": [
      "DOP"
    ],
    "note": "Taux préférentiels résidents. Taux exacts à confirmer (relationship manager · #6)."
  },
  {
    "id": "popular",
    "nom": "Banco Popular Dominicano",
    "type": "banque privée",
    "taux_min_pct": null,
    "taux_max_pct": null,
    "ltv_min_pct": 75,
    "ltv_max_pct": 85,
    "duree_max_ans": null,
    "specialites": [
      "reseau_large",
      "rapide",
      "confotur"
    ],
    "devises": [
      "DOP"
    ],
    "note": "Réseau large, CONFOTUR-friendly. Taux et durée à confirmer (#6)."
  },
  {
    "id": "bhd_leon",
    "nom": "BHD León",
    "type": "banque privée",
    "taux_min_pct": null,
    "taux_max_pct": null,
    "ltv_min_pct": null,
    "ltv_max_pct": null,
    "duree_max_ans": 30,
    "specialites": [
      "haut_de_gamme",
      "etrangers",
      "bilingue"
    ],
    "devises": [
      "DOP",
      "USD"
    ],
    "note": "Haut de gamme, étrangers acceptés, bilingue. Taux/LTV à confirmer (#6)."
  },
  {
    "id": "santa_cruz",
    "nom": "Banco Santa Cruz",
    "type": "banque privée",
    "taux_min_pct": null,
    "taux_max_pct": null,
    "ltv_min_pct": null,
    "ltv_max_pct": null,
    "duree_max_ans": null,
    "specialites": [
      "taux_competitifs",
      "prequalif_rapide"
    ],
    "devises": [
      "DOP"
    ],
    "note": "Taux compétitifs, pré-qualif rapide. Chiffres à confirmer (#6)."
  },
  {
    "id": "scotiabank_rd",
    "nom": "Scotiabank República Dominicana",
    "type": "banque privée",
    "taux_min_pct": null,
    "taux_max_pct": null,
    "ltv_min_pct": null,
    "ltv_max_pct": 70,
    "duree_max_ans": null,
    "specialites": [
      "etrangers",
      "devise_usd"
    ],
    "devises": [
      "DOP",
      "USD"
    ],
    "note": "Spécialistes étrangers, devise USD acceptée. Taux/durée à confirmer (#6)."
  },
  {
    "id": "lopez_de_haro",
    "nom": "López de Haro",
    "type": "banque privée",
    "taux_min_pct": null,
    "taux_max_pct": null,
    "ltv_min_pct": null,
    "ltv_max_pct": null,
    "duree_max_ans": null,
    "specialites": [
      "haut_de_gamme",
      "niche"
    ],
    "devises": [
      "DOP"
    ],
    "note": "Niche haut de gamme. Profil complet à confirmer (#6)."
  }
]