Mortgage & Purchase Cost Calculator

Estimated overview of purchase costs and monthly mortgage payments, based on common banking and notary practices in Curaçao.

Calculator

Property Price (XCG) Down Payment (XCG) Or choose Down Payment % 20% Buyer Age Interest Rate (%) Desired Mortgage Term (years)

Estimated Results

Transfer Tax (4%)–
Notary (1.5–2%)–
Cadastre (0.5–1%)–

Total Purchase Costs
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Maximum Mortgage
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Required Own Funds
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Estimated Monthly Payment
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This calculator provides estimated figures for general information purposes only and does not constitute financial advice, a mortgage offer, or a lending commitment. The calculation excludes additional costs such as bank fees, insurance, maintenance expenses, homeowners association (HOA) fees, and other related charges.

Actual purchase costs, mortgage terms, interest rates, and eligibility may vary depending on the lender, residency status, age, income, credit profile, and applicable regulations. Always consult with your local bank, financial advisor, and notary in Curaçao before making any financial or property-related decisions.

Additional Information – Residents vs. Non-Residents (Indicative Figures)

The estimated results of this calculator should be interpreted using the following general financing and purchase cost ranges commonly applied in Curaçao. These figures are indicative only and may vary by lender.

Mortgage Financing – Typical Ranges

Residents of Curaçao

Loan-to-Value (LTV): up to 80% – 90% of the property value (Full (100%) financing is not standard)
Down Payment: typically 10% – 20%
Mortgage Term: up to 35 years, subject to age and income
Indicative Interest Rates: approximately 4% – 6% (variable or fixed, depending on lender)

Non-Residents

Loan-to-Value (LTV): typically 60% – 70%
Down Payment: typically 30% – 40%
Mortgage Term: often shorter than resident mortgages
Indicative Interest Rates: generally higher than resident rates, depending on lender and risk assessment

Financing approval, terms, and interest rates are determined solely by the bank and depend on income source, credit profile, age, residency status, and internal lending policies.