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For foreign buyers applying for a mortgage with Aruba Bank, the following documents are typically required:

1. Valid passport per applicant
2. Pay slips of the last two months
   • Or a work contract with proof of income over 12 months
   • Or an income declaration from an internationally recognized accounting firm
   • If self-employed: financial statements or tax returns of your business
3. An employer's letter stating job title, yearly/monthly salary, and date of employment
4. A utility bill or census registration ('bevolkingsregister') showing your residential address
5. Proof of ownership of the property (notary letter, deed, or purchase/sales agreement)
6. An appraisal report from a recognized Aruba appraiser, not older than 6 months
7. Credit score report (if available in your country of residence)
8. Declaration of source of wealth — requirements set by your assessor

Additional documents when constructing a property:

1. Copy of the building permit approved by DOW (blue card) issued in your name
2. Copy of the contractor's quotation with construction details
3. Copy of contractor registration at the Chamber of Commerce (if not known to the bank) plus reference letters of completed projects
4. Appraisal report from a recognized Aruba appraiser, indicating the value of land and construction, not older than 6 months

Source: Aruba Bank — non-resident mortgage requirements. Always verify the latest list directly with the bank.