Aruba Property Assistant

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Frequently Asked Questions

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Frequently Asked Questions Buying a home

Are there other financial institutions that can be approached when buying a home?

Banks are the main financial institution to go to when considering buying or building a home.

Do I need to make a deposit when purchasing a home?

As a resident, depending on the cost of the home and length of time given to pay back the mortgage a deposit may be requested.

Does Fire Insurance cover my personal belongings?

Fire Insurance does not cover the personal belongings of the home.

What additional costs can one expect when purchasing a home?

When purchasing a home, one can expect
Monthly Premiums for the different Insurances taken out.
Notary charges
Closing fees
Agent's Commission

What are the steps involved when purchasing a home?

When purchasing a home request information at your lending institution.
Plan your budget. Knowing estimated cost will help you in planning and keeping within your budget.
Apply for your mortgage
Fill out form for the insurance(s) required and get them approved.
Signing for the loan, and mortgage deed at the Notary office
The first monthly payment to be paid.

What is a closing fee?

The closing fee is the fee charged to cover expenses connected with the mortgage.

What notary charges are involved in buying a home?

Notary Fee, Registration cost, Stamps, Power of attorney,Inspection cost, transfer tax and the agent's commission if applicable.

What types of insurance are associated with purchasing a home?

When purchasing a home you may want to look into the following Insurances:
Life Insurance, Personal Liability Insurance: Fire Insurance, Construction All Risk Insurance.

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