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Buy a house in Curacao

This article guides you through the process of buying a house in Curacao

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Why buy a house in Curacao?

Buying a house in Curacao is about more than just owning property — it’s about stepping into a laid-back Caribbean lifestyle. The island is full of color and character, with a stable economy and a welcoming community. Whether you're looking for a place to call home or an investment with rental income potential, Curacao has a lot to offer. Thanks to its growing economy, favorable tax rules, and steady demand from tourists and expats, owning a home here makes sense both emotionally and financially.

Thinking About Buying a House in Curacao?

By Nick Vervoord- Last updated: April 2025

It’s not just a transaction. Buying a house in Curacao means choosing a lifestyle with more sun, more freedom, and something solid you can call your own. Renting gets you a roof — owning gives you roots. And when your second home is on an island like this one, vacationing starts to feel like coming home.

There are plenty of emotional reasons to make the move — but here are a few you can actually measure:

  • Financial investment – your monthly mortgage payment creates equity for you, not your landlord.
  • The interest on your mortgage is a tax deduction – while this isn't a reason in itself to buy a home in Curacao, it's nice to get a break at tax time.
  • Fixed monthly housing payment – if you opt for a fixed-rate mortgage, the monthly rate of your mortgage won't change for the length of the term.
  • Tax-free gain – when it's time to sell your home, you don’t pay taxes on the proceeds of the sale that are above what you paid (with some restrictions).

What the Process Actually Looks Like

It starts with finding a place that feels right. Could take a few days — or a few months. Everyone's search looks different. Your agent will help you make an offer, and most of the time, there’s a bit of back-and-forth before landing on a final deal.

Make an offer

Once your offer is accepted, it's smart to hire an inspector. You’ll want to know if anything needs fixing before moving forward. Then, both sides sign a purchase agreement — and you’ve got a short window (3 days if you’re a private buyer) to step back if needed, no questions asked.

The Notary Step

To lock things in, you’ll make a deposit — usually around 10% — with a local notary. These professionals are appointed by the Dutch crown and handle due diligence on both sides. They’ll need your compliance docs, and they draft the deed of transfer, which can take 6 weeks or so.

Expect a 4% transfer tax and a notary fee between 1–2%. That’s standard here.

Need a Mortgage?

If you're not paying cash, most banks in Curacao will lend up to 70% of the home’s value to non-residents. You’ll need an appraisal report, and getting pre-approved helps move things faster.

Closing the Deal

Once everything checks out — the inspections, the financing, the paperwork — it’s time to close. You’ll sign at the notary’s office (or authorize someone locally if you’re abroad). And then... you get the keys.

Want to Take the Next Step?

If you're ready to explore homes and see what owning in Curacao could look like for you, now’s the time. Your spot in the sun might be closer than you think.

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Buyers make a purchase offer

This is it! You’ve found the home of your dreams in Curacao, looked over the property disclosure form, reviewed comparable homes, talked it over with your agent and submitted an offer. The sellers may accept your first offer, but more often will return a counteroffer. In fact, additional negotiations are common, and your agent will help you through this generally stressful stage. It is wise to hire an inspector – your agent can provide several options – to check the home and point out minor and major problems that should be fixed before closing. The inspector can provide you with a list of requested work, and the sellers have the option to complete the tasks, do some of them but not others, or reject the request. The sides will negotiate until reaching an agreement.

The sellers accept

Once everyone is happy with the terms, the parties have reached what is known as mutual acceptance and enter into a purchase and sale agreement. Your agent will ask you to supply several compliance documents as is stated in Curacao law. The purchase and sale agreement will then be provided to you. As a buyer you have the right to annul the purchase within 3 days after signing the agreement without mention of cause. This 'time to reconsider' only applies to private persons.

Buyers make payment in escrow of notary

To solidify your intent to buy, you'll make a deposit on the property on an escrow account of the notary. The amount varies, but is generally 10 percent of the purchase price. This money counts toward your payment before closing later. Curacao has 10 notaries and each is appointed by the Dutch crown. The notary is in charge of due diligence for buyer and seller. The notary will ask buyer again for compliance documents. It is the law that the realtor may not share his compliance documents with the notary, the notary has to do his/her own research. On average the notary needs 6 weeks to draft the deed of transfer and the invoices for buyer and seller. The invoice of buyer will include 4% transfer tax and notary fee which is between 1% and 2%.

Buyers apply for a mortgage

This step is streamlined if you've already been pre-approved for a loan (which is a smart thing to do). If not, you'll begin the loan application process now. Local banks grant mortgage loans to non-residents up to 70% of the purchase price. The bank will ask for an appraisal report of the property.

Closing time arrives

Once contingencies are removed and financing is set, all parties sign the deed of transfer at the notary’s office, and the transaction closes. If parties are not on the island for this signing, they can give a power of attorney to the notary office. When the deed has been signed buyers receive the keys to their new home!

Pim, it’s a great pleasure that we write this testimonial to your wonderful service. Our journey with Pim van Ogtrop and Remax Bonbini started in Switzerland when we decided to buy a second home in Curacao. We found you on the internet along with 4 other realtors who we asked to send us property listings. At first we were looking for a home under $200,000 and you made us feel just as important as the buyer with the multi-million dollar budget. You were the only agent that was consistent...

Carol & Hans Mueller

Switzerland

Hans en Margriet, graag wil ik jullie nog bedanken voor het begeleiden van de verkoop van onze woning op Curaçao. Wij zijn dik tevreden over de communicatie tussen ons en wanneer er vragen waren van onze kant werden die naar behoren opgelost.Mochten wij ooit in de toekomst weer wat willen op Curaçao, dan wil ik graag weer gebruik maken van jullie makelaarskantoor.Succes verder op het mooie eiland Curaçao.

Fam. H. Brouwer

Drachten, Netherlands

Hans and Margriet were very knowledgeable about the project and quick to respond to any questions we had. The purchase was very smooth and now we look forward to moving into The Shore at the Blue Bay Resort in Curacao.

Mark Kirkland and Peter van der Laarse

Zug, Switzerland

I would highly recommend Hans & Margriet & Jeroen for any of your real estate needs on Curacao. This was our 2nd  transaction with the office and it once again went smoothly and with excellent communication along the way. Thanks again for everything and look forward to working with you both again in the near future! We panning to buy more properties and we shall use off course you again.

Mika and Rien Brouwer

Florida USA

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