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.

You can apply for a Platinum Mortgage by contacting your personal account manager for an appointment or by applying online.


  • Build your dream home
  • Interest is tax deductible
  • Aruba Bank Online® Access
Tailor made to suit your financial situation

Depending on the three forms of mortgage, we will tailor the payments that suite your financial situation best. We have a variety of mortgage products to offer our Platinum Clients.


Platinum Annuity Mortgage

This product is attractive for customers who wish to benefit of a high tax-deductible amount in the early stage of the mortgage loan. Repayment of loan consists of interest and principal Amount of interest is high at the start of the loan. While loan is being repaid the interest amount will decrease.Interest is tax deductible


Platinum Life Mortgage

This product is attractive for customers who wish to enjoy full tax deduction advantage over the full cycle of the loan.Repayment of the loan will consist of interest only, allowing for full advantage of the tax benefit. An endowment plan for the loan amount should be taken out to cover the principal loan amount at maturity. The life insurance premium of the endowment plan is tax deductible too, maximizing tax benefits

Download our Platinum Banking Mortgage for Non-Residents' folder in English, Dutch or Spanish

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

1. 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


 2. Two original signed recommendation/introduction letters per person from the applicant’s financial institution (bank, stock brokerage firm, etc) addressed to Aruba Bank N.V.
** (please see reference letter requirements)  


3. Photocopy of the applicant’s:
  • A valid Passport and a valid Drivers License


4. An employer’s letter, stating the following:
  • Your job title
  • Your yearly or monthly salary/income
  • Date of employment


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


6. Please provide 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


7. Purchase and/or sales agreement of the property


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

* Note: points 1 to 6 are required to open an account and 1 to 8 are required to apply for a Non-Resident Mortgage loan 


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
  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
Surround yourself with the luxurious convenience of jet set-style banking. 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.

Do you have questions?

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

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