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Life Mortgage

A life mortgage is a combination of a mortgage and life insurance. The benefits include relatively low monthly expenses and high security for your dependants in the event that you should pass away before the end of the loan period. The life insurance will make sure that your monthly installments will still be (partially) paid. Our friendly experts will gladly explain this in detail and help you find the shortest way to your own home.

  • Financial security for you and your family
  • Fiscally attractive
  • Extended payment periods
     
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Annuity Mortgage

The annuity mortgage is characterized by fixed monthly installments. During the first years, you benefit from a high-interest deduction. Our friendly experts will gladly explain this in detail and help you find the shortest way to your own home.

  • Convenient and clear
  • Very competitive interest rates
  • Quick response
  • Extended repayment periods
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This easy-to-use mortgage calculator will give you a general idea of your monthly payment. Although it is a convenient tool when exploring your mortgage options, please note that it only offers a rough estimation, excluding possible bank charges and insurance premiums. No rights can be derived from the information that this calculator provides.

Please contact us for more detailed calculations and expert advice. We will gladly help you on your way to buying, building or renovating your home.

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4 Frequently Asked Questions about Mortgage

There are several aspects that determine the amount that you can borrow, including your age, salary, monthly expenses, and any additional credit obligations that you may have. For an estimation, use our online mortgage calculator. To find out the exact amount that you can borrow, please click here to make an appointment with us.

The repayment period for our mortgage loan is determined by several criteria, including age, income, monthly expenses and other financial obligations (if any). We offer the flexibility of repayment terms up to 30 years. To find out your maximum repayment period, please click here to make an appointment with us.

We strive to provide you with a reply to your mortgage application as soon as possible. If we have received all the required documents, you can count on an answer within five business days.

Whether you are purchasing, building, repairing or refinancing a house, you will need the following documents in order to complete your mortgage request:

For residents

  • Valid identification.
  • Your last two salary slips.
  • Your last two bank statements if you are not a customer of Banco di Caribe.
  • An employment letter from your employer not older than two weeks.
  • If you have one or more loans at other banks, from each bank a letter with the outstanding balance of the loan(s).
  • An appraisal report (not older than one year) of the property to be built, bought or expanded. In the case of a construction mortgage, the appraisal report should indicate the market value of the property in its completed state prepared by an appraiser of our preference.
  • The construction plans and a detailed cost breakdown in case you are building a new home or remodeling a home.
  • Approved government permits in connection with the construction or expansion.
  • Certificate of Admeasurements of the relevant property to be obtained at the Land Registry Office.


For non-residents

  • A copy of your valid passport.
  • If you are on the payroll of a company, a recent employer’s certificate.
  • Proof of your sources of income (salary and bank statements of the last three months).
  • A copy of your tax return forms for the last two years.
  • An original reference letter from a bank addressed to Banco di Caribe.
  • A proof of own contribution; 40% down payment or other forms of acceptable hard collateral.
  • Recent Credit Score Report from a major financial institution when residing in the USA.
  • ‘BKR-toetsing’ not older than three months when residing in The Netherlands.
  • An appraisal report (not older than one year) of the property to be built, bought or expanded. If it is in connection with a construction mortgage, the appraisal report should indicate the market value of the property in its completed state prepared by an appraiser of our preference.
  • The construction plans and a detailed cost breakdown in case you are building or remodeling a house.
  • Approved government permits in connection with the construction or expansion.
  • Certificate of Admeasurements of the relevant property to be obtained at the Land Registry Office.

For more information about our mortgages or to make an appointment please

Contact us