Online calculator
Calculate Smarter. Plan Better.
Whether you’re buying your first home, building an investment property, or exploring real estate opportunities in Curaçao, understanding the financials is key. Our online calculators are here to help you get a clear picture of the costs involved—quickly, easily, and without surprises.
From estimating your monthly mortgage payments to calculating property taxes (OZB) and understanding notarial fees for deeds and transfers, these tools offer valuable insights tailored to the Curaçao real estate market.
OZB (Property Tax)
Get an estimate of your annual real estate tax based on the market value of your property.
Mortgage Deed Costs:
See what you’ll typically pay in notarial fees, taxes, and registry costs when taking out a mortgage.
Transfer Deed Costs
Understand the fees and taxes involved in officially transferring ownership of a property.
Mortgage Calculator
Estimate what you’ll pay each month based on loan amount, interest rate, and term
Simple Borrowing Capacity Estimate
Quickly see how much you can borrow based on your (combined) income.
OZB Property Tax - Onroerendezaakbelasting
Property Value
Up to XCG 350,000
XCG 350,001 – 750,000
Above XCG 750,000
35.0000
25.000
0.4%
0.5%
0.6%
0.00
0.00
0.00
Total XCG
0.00
OZB (Onroerendezaakbelasting) is the annual property tax in Curaçao, levied on real estate like homes, apartments, and commercial buildings
How is it calculated?
It’s based on the market value of the property, as determined by the tax authority.
Property Value
Up to XCG 350,000
XCG 350,001 – 750,000
Above XCG 750,000
Tax Rate
0.4%
0.5%
0.6%
The tax applies per property, not per owner. The taxpayer is whoever owns the property on January 1st of the tax year.
Mortgage Deed Costs - Hypotheekakte
Mortgage Value
Stamp Duty
Stamp & Land Registry fees
Notarial Fee
Sales Tax
0.00
0.00
0.00
0.00
Total XCG
0.00
A mortgage deed (Hypotheekakte) is notarized when you finance the purchase of a property. It gives the bank the legal right to the property as collateral.
Typical costs involved:
-
Stamp Duty (schuldbriefzegel): 0.4% of the mortgage amount
-
Stamp & Land Registry Fees: Start at XCG 725, increase by XCG 100 per XCG 100,000 above XCG 200,000
-
Notarial Fee: Based on a sliding scale
(e.g. XCG 2,676 for a XCG 300,000 loan) -
Sales Tax: (OB) 6% on the notarial fee
Total costs typically range
between 1.2% – 1.8% of the loan amount.
Transfer Deed Costs - Leveringsakte
Property Value
Transfer Tax
Stamp & Land Registry fees
Notarial Fee
Sales Tax
0.00
0.00
0.00
0.00
Total XCG
0.00
The transfer deed (Leveringsakte) is the official document transferring property ownership from seller to buyer, executed by a notary.
Typical costs involved:
-
Transfer Tax 4% of the purchase price
-
(mandatory in Curaçao)
-
Stamp & Land Registry Fees - Usually from XCG 910 and up, depending on the value and location
-
Notarial Fee - Sliding scale based on the purchase price
-
Sales Tax (OB) 6% on the notarial fee
These costs are typically paid by the buyer.
Mortgage Calculator - Hypotheekcalculator
Mortgage Value XCG
Interest rate %
Term (years)
Monthly payment XCG
Total payment XCG
0.00
0.00
Total interest XCG
0.00
A mortgage calculator (Hypotheekcalculator) helps you estimate monthly payments and total repayment, based on:
• Loan amount
• Interest rate
• Term (in years)
What does it calculate?
• Monthly payment (including principal + interest)
• Total payment = monthly × 12 × years
• Total interest = total payment – original loan
Perfect for assessing affordability when buying a home.
Current local interest rates vary between 5 and 5.5%.
Simple Borrowing Capacity Estimate - Gecombineerd leenbedrag
Gross annual salary
Partner income
Multiplier
Total household income XCG
0.00
Estimated combined borrowing capacity XCG
0.00
The simple (combined) borrowing capacity estimate helps you quickly understand how much you can borrow based on your income
What do you enter?
-
Gross annual salary
-
Partner income (optional)
-
Multiplier (typically 4-5x annual income)
What does it calculate?
-
Total household income
-
Estimated combined borrowing capacity (incomex multiplier)
Perfect for a quick first indication of your total borrowing power in Curaçao.
Advanced Borrowing Capacity Estimate
- Uitgebreid gecombineerd leenbedrag
Gross annual salary
Partner income
Annual interest rate
Age
Total household income XCG
0.00
Borrowing factor
0.00
Loan term: 65-age (max. 30 years)
0.00
Maximum combined borrowing capacity XCG:
0.00
The advanced combined borrowing capacity estimate provides a more accurate result by taking interest rate and age into account
What do you enter?
-
Gross annual salary
-
Partner income (optional)
-
Annual interest rate
-
Age
What does it calculate?
-
Total household income
-
Borrowing factor based on interest rate (from factor table)
-
Loan term: 65 - age (max. 30 years)
-
Maximum combined borrowing capacity using: income x factor x (term/30
Perfect for a quick first indication of your total borrowing power in Curaçao.
These calculators are designed to guide your planning process, giving you a solid foundation for informed decision-making. Please note: the results are indicative and exclude personalized factors such as bank conditions or insurance fees.
Need expert advice or a more detailed calculation?
Contact us — we’re happy to walk you through your options
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