Start with prequalification, not a property offer. A lender will assess the borrower, the property and the proposed structure. Requirements differ by bank and by resident status, so use official product pages and a personalized written proposal.
| Lender | Published information worth checking |
|---|---|
| Maduro & Curiel's Bank (MCB) | Mortgage products for buying or constructing a home. |
| Banco di Caribe | Mortgage product page and a resident application-document list. |
| RBC Royal Bank Curaçao | Resident and non-resident mortgage information. Its published non-resident option states financing up to 65%, at least 35% down and a term up to 15 years. These are RBC product terms, not a market-wide rule. |
| Orco Bank | Mortgage options including annuity and interest-only structures; its page states a maximum term of 30 years or to age 65, subject to assessment. |
Pages can change. Confirm currency, interest structure, fees, collateral, insurance and early-repayment terms directly with the lender.
Banco di Caribe's published resident checklist includes identification, two recent salary slips, two recent bank statements when the applicant is not an existing customer, a recent employment letter and balance letters for current debts. Your bank may ask for more, particularly for self-employment, foreign income, a company structure or a non-resident application.
Prepare a clean file with:
Do not treat prequalification as final approval and do not waive a financing condition because approval feels likely.
Do not generalize one bank's rules to another. RBC publishes a specific non-resident route, while other lenders may use different equity, term, currency, income and documentation criteria. Foreign income can also create exchange-rate and tax-document questions. Ask each lender for a checklist matched to your status.
