Platinum Mortgages for Non residents

Can you imagine yourself on the porch of your own Caribbean hideaway, with sun, sea, and good times already nearby? Make your dream a reality with a mortgage from Aruba Bank.


Get in contact with us, and one of our Platinum Banking Managers will gladly assist you.


  • Build your dream home
  • Interest is tax deductible
  • Aruba Bank Online® Access
  • Why choose for a Platinum Mortgage
  • Requirements for Non-Residents
  • Service and assistance

Tailor-made for you

The Platinum Banking Mortgage for Non-resident is flexible and hassle-free. It is an annuity mortgage and the repayment of the loan consists of interest and principal. Your personal account manager takes care of every last detail, so all you have to do is relax and enjoy the sunshine.

The Platinum Banking Mortgage for Non-resident is a Preferred Banking product. It is part of our exclusive line of Platinum Banking Services that go beyond conventional banking. Whether you want to buy a house or a condo, our experts are with you every step of the way.

Can Non-Residents buy property in Aruba?

Yes, foreigners can buy property in Aruba and the Government of Aruba welcomes investment from overseas buyers. There are no restrictions on foreign buyers acquiring real estate in Aruba and the buying process for foreign buyers is the same as Aruban citizens. Foreigners can buy property on either freehold property land or on leased land which is owned by the government. In the case of leased land, a lessee is required to pay an annual fee for lease rights. 

Documents required to open an account and to apply for a Non-Resident Mortgage loan:

1. Valid Passport per applicant
2. Pay slips of the last two months
  • Or a work contract with proof of income over a period of 12 months
  • Or an income declaration from an internationally recognized accounting firm
  • If you are self-employed and your income is derived from your business, please provide financial statements or tax returns of your business
3. An employer’s letter, stating the following:
  • Your job title
  • Your yearly or monthly salary/income
  • Date of employment

4. A utility bill indicating your residential address, or a Census registration (‘bevolkingsregister’) indicating your residential address

5. Proof of ownership of the property by means of a notary letter or a deed in which the bank can verify that you are the owner of the property or 
    Purchase and/or sales agreement

6. An appraisal report from a recognized appraiser in Aruba (not older than 6 months after it has been created)

7. Credit Score report if available in your country of residence

8. Your source of wealth must be declared. Your assessor will inform you of the required documents depending on the individual information.


In case you are constructing a property the following is additionally required:

  1. A copy of the building permit approved by DOW addressed to your name (blue card)
  2. A copy of the contractors’ quotation with details of the construction
  3. A copy of the registration of the contractor at the Chamber of Commerce in case the contractor is not known to the bank, plus reference letters of finalized projects.
  4. An appraisal report:
  • From a recognized appraiser in Aruba
  • Indicating the value of the land and the property to be constructed thereon
  • Not older than 6 months
Aruba Bank’s Platinum Banking is an exclusive experience that will surpass all your expectations. It’s a unique package of flexible high-end products and lavish VIP treatment. This includes your own designated skilled personal account manager, who will be at your disposal to help you with all your banking needs in the comfortable surroundings of a private office, and even at your own office. Prepare to be pampered!

Useful Tips

Get our Aruba Bank App® and check your balance or make transfers on-the-go. 
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Do you have questions?

Call our Contact Center during office hours and extended hours at (+297)527 7777.

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