Buying a property in Mauritius has a great number of advantages that are of interest to most non-residents. Apart from wealthy investors who can afford to buy a property in cash, the option of buying with a loan is the most popular. For this purpose, various sources of financing are available.
Financing a real estate purchase in your home country
One option for a foreign investor to acquire a property in Mauritius is to obtain a mortgage in his own country. For example, French financial institutions generally accept financing a real estate purchase abroad, such as in Mauritius, as long as the investor guarantees the repayment of his loan. Banks accept in particular the mortgage of a property located in France, a property security or a bank guarantee on cash invested. It is also possible to obtain a personal loan for consumption that is not affected.
Financing a real estate purchase in your country of origin
If you are a foreigner and wish to buy a property in Mauritius, it is possible to obtain a mortgage loan from local banks and credit institutions. (It is advisable to use a professional real estate agency to get practical information and advice, or even tailor-made assistance).
One of the compulsory conditions to buy a property as a non-resident is to open a bank account with a local bank. This account can be in Mauritian rupees, dollars or euros. Once you have obtained a permanent residence permit or a residence and work permit, this account can be converted into a resident account and will be subject to tax quotation by the Mauritius Revenue Authority. The opening of this account can be done remotely, just contact the chosen bank to obtain the list of required documents.
Financing the purchase of your property
In Mauritius, property loans are governed by the Borrower Protection Act 2007 and the guidelines of the Bank of Mauritius. Non-residents can therefore turn to a variety of banks to buy their villa, apartment or house. If you decide to buy a property as a VEFA, the property developer will take care of the loan application, which will also give you a bank guarantee of completion. Mortgages in Mauritius are generally repayable over a maximum period of 25 to 30 years depending on the bank.
Also note that in Mauritius, all mortgages must be accompanied by death or disability insurance.
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