Complete Guide to Buying a House in Cape Verde in 2026

Buying a house in Cape Verde is, for many national, diaspora and foreign buyers, a simpler process than it might seem — as long as you know the right steps. This guide sums up everything you need to know before moving forward.

1. Choosing and negotiating

The first step is finding the right property — an apartment, house, plot of land or commercial space — and negotiating the price with the seller or agency. At this stage, it helps to understand the seller's real motivation and confirm the asking price matches the local market.

2. The promissory contract

Once you agree on a price, you sign a promissory sale and purchase contract, with a deposit usually between 10% and 20% of the value. This document sets the terms of the deal, including deadlines and penalties for default.

3. Document verification

Before the deed, you should confirm the property's registration status: the land registry certificate, tax record and fiscal situation. This check avoids surprises like outstanding liens, unpaid mortgages or ownership disputes.

4. Public deed and registration

The purchase is formalised with a public deed before a notary, followed by registering the property in the new owner's name. From this point, the transaction is legally complete.

What does it cost, beyond the property price?

• IUP (property transfer tax) — around 1.5% of the property's value

• Notary and land registry fees

• Optional legal fees

In total, budget for 3% to 5% on top of the purchase price in associated costs.

Bank financing

Cape Verdean banks typically finance 70% to 80% of the appraised value, over terms of up to 25-30 years. Dedicated lines exist for residents and for the diaspora, with tailored conditions for those earning income abroad.

The whole process typically takes 1 to 3 months. At Imobisol we support buyers through every one of these steps — talk to our team to start your property search in Cape Verde.