Investment Guide

Yes — through leasehold. Foreign buyers acquire a long-dated leasehold (50 years renewable in practice to 99). The leasehold is transferable, inheritable, and in many cases mortgageable by approved international banks. You do not own the land; you own the improvements and the exclusive right to occupy and monetise the plot for the term of the lease.

Budget an additional 5–8% for closing costs. This typically covers the government transfer fee, legal fees, escrow, due diligence, and first-year service charges. Some branded residences also require a one-time FF&E completion contribution.

Yes, but limited. Two Maldivian banks and a small number of international private banks will lend against branded residences with typical LTVs of 50–60% and rates of SOFR + 4–6%. Many buyers choose to finance via their existing private-bank relationship in Singapore, Dubai, or Zurich instead.

In almost every modern branded-residence contract, the lease contains an automatic renewal clause through 99 years subject to nominal government approval. Historically, the Ministry of Tourism has granted all requested renewals.

Yes. Most branded residences offer an opt-in rental management programme operated by the host resort. You retain block-out rights for personal use (typically 60–90 nights per year) and receive your share of net rental income quarterly.

For the owner personally, there is no Maldivian income tax on rental revenue. The 8% Tourism GST is withheld by the resort at source. Whether your home jurisdiction taxes the net income depends on your own residency and tax treaty position.