Buyer's guide

Buying a home

An orderly, well-protected process under Dutch civil-law — from an accepted offer to the keys in your hand.

Step by step

From offer to keys

The process is the same in shape across all three islands, and typically runs about four to eight weeks from agreement to transfer.

Offer & agreement

Your broker negotiates on your behalf; an accepted offer becomes a written purchase agreement (koopovereenkomst) setting the price, conditions and timing.

Deposit in escrow

A deposit — usually around 10% — is held safely by the notary, never paid directly to the seller.

Due diligence

The notary verifies title, checks the Kadaster for mortgages or charges, and confirms the tenure (freehold / long-lease) and permits.

The deed of transfer

The notary prepares and executes the deed of transfer (akte van levering), settling the funds, taxes and any mortgage.

Registration & keys

The deed is registered at the Kadaster — ownership passes on registration — and the keys are handed over.

What it costs

Taxes & closing costs by island

The buyer pays a one-off property transfer tax plus notary and registration fees. Rates differ by island — budget the ranges below on top of the purchase price.

CuraçaoTransfer tax + notary & registration · guilder, pegged to USD
≈ 4% + ~1.5–2%
ArubaTransfer tax (lower on modest values) + notary · florin, pegged to USD
≈ 3–6% + ~1.5–2%
BonaireTransfer tax on existing homes (8% ABB on new builds) + notary · US dollar
≈ 5% + ~1.5–2%
All-in, budget roughly
6–8% of price
Confirm before you commit. Transfer-tax and notary rates change over time and vary with the property and its value. Treat these as current-market guidance and confirm the exact figures with a licensed civil-law notary (notaris) and the relevant tax office before you offer.
Financing

Mortgages & deposits

Local lenders

Island banks

Mortgages are available from local banks (for example MCB, Banco di Caribe and Orco Bank on Bonaire, and the main banks on Curaçao and Aruba), in the island's currency.

Deposit

Larger for non-residents

Non-residents typically need a bigger deposit — commonly around 35–40% down — while resident owner-occupiers can usually finance more.

Rates & terms

Quoted on request

Dutch-Caribbean mortgage rates commonly run in the mid-single digits; no bank publishes a fixed rate, so you request a quote. Terms are often shorter for non-residents.

What's required

Appraisal & documents

A bank-approved independent appraisal (usually under a year old), plus ID, proof of income, bank statements and the signed purchase agreement. The property must be insured, including hurricane cover.

Good to know

Common questions

How long does a purchase take?

Typically about four to eight weeks from an accepted offer to the transfer of the deed, depending on financing and due diligence.

Who protects the transaction?

An impartial civil-law notary (notaris) — a neutral public official who verifies title, holds the funds in escrow, executes the deed and registers it at the Kadaster.

How much are the total costs?

Budget roughly 6–8% of the price for the transfer tax plus notary and registration. Confirm the exact figures for your island and property with your notary.

Can a non-resident get a mortgage?

Yes, from local banks, though usually with a larger deposit — commonly around 35–40% down. Rates and terms are quoted on request.

Ready to look?

Browse verified homes across all three islands — each one checked before it goes live.