Mortgages

Mortgages in Aruba

Considering a mortgage in Aruba? Here you'll find clear information on rates, requirements, borrowing power and the steps from application to transfer — so you can finance your home with confidence.

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Considering a mortgage in Aruba? Here you'll find clear information on rates, requirements, borrowing power and the steps from application to transfer — so you can finance your home with confidence.

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What we cover

Who can get a mortgage in Aruba

Residents and non-residents can apply for a mortgage with Aruban banks.

Freehold vs lease land financing

Banks in Aruba finance both freehold and long-lease (erfpacht) property.

Typical products and terms

Annuity mortgages—with fixed monthly payments of interest and principal—are the norm.

Documents you will need

Banks usually request ID, proof of income (employment letter or business registration), recent bank statements, and property information.

Borrowing capacity

Banks determine how much you can borrow from your income, existing debts, and the property value.

From application to disbursement

The process usually involves application, submission of documents, property valuation, and approval.

Interest rates and conditions

Rates and terms vary by bank and borrower.

Property valuation

Banks typically require a valuation before approving a mortgage.

Notary and payout

After approval, the notary prepares the deed and registers the mortgage.

Key information

Who can get a mortgage?

Residents and non-residents can apply. Banks typically require proof of income, employment or business registration, and a clean credit history.

Freehold vs lease land

Both are financeable. Freehold is full ownership; lease land is long-term use (e.g. 60 years) with an annual canon. Terms and LTV may differ.

Typical term

Mortgage terms in Aruba often run 15–25 years. Annuity mortgages (fixed monthly payments) are common.

Documents you’ll need

ID, proof of income, employment letter or business docs, bank statements, and property details. Banks may request additional paperwork.

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Frequently asked questions

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