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The island of Djerba, a Tunisian jewel located in the Gulf of Gabès, attracts many foreign investors seduced by its mild climate, its sublime beaches, and its rich cultural heritage. If the idea of buying real estate in Djerba appeals to you, here is a complete guide to the procedures and documents necessary for non-residents.
1. Non-resident eligibility
First of all, you should know that non-residents can buy real estate in Tunisia, but there are restrictions on the type of properties they can acquire and the areas (urban, agricultural, tourist) where they can can buy according to their nationality.
2. Find the right property
The island of Djerba offers a variety of options, from traditional houses to modern apartments. It is advisable to work with a reputable real estate agency who can guide you through the local market and present you with properties that meet your needs and budget.
3. Documentation required
Purchasing real estate in Tunisia requires several documents, including:
Passport: A clear copy of your passport is usually required to prove your identity.
Conversion certificate & currency import (investment sheet): For financial transactions, a conversion certificate (from your currency to Tunisian currency) is often requested.
Certificate of non-residence: Issued by the Tunisian authorities, this document certifies that you are not resident in Tunisia.
4. Obtain authorization from the governor
Non-residents must obtain purchasing authorization from the governor of the region where the property is located. This process can take time, so it is advisable to start it as soon as possible.
5. The role of the notary & of the lawyer.
The notary or lawyer plays a crucial role in the purchasing process. He checks the legality of the transaction, ensures that the property is free of any dispute, and draws up the deed of sale. Make sure you choose a board with a good reputation and involve them early in the process.
6. Check the title deed
Before purchasing, make sure the seller is the rightful owner of the property, and that the title to the property is clear of any liens or mortgages.
7. Financing
If you are considering financing your purchase, it is good to know that many Tunisian banks offer property loans to non-residents. However, terms and interest rates may vary. Thorough research and consultation with a local financial expert is advised.
8. Taxes and Fees
There are several costs associated with purchasing a property in Djerba:
Registration fees: These generally vary depending on the value of the property. from 1 to 9%.
Notary or lawyer fees: These fees cover the drafting of the deed of sale and other legal services. from 1 to 5%
Agency fees: If you work with a real estate agency, commissions will usually be charged. Generally 2%
9. Signature of the deed of sale
Once all the checks have been carried out and the documents have been collected, you will sign the deed of sale at the notary. This step officially finalizes the purchase of your property in Djerba.
10. After purchase
Once you own it, don't forget to:
Take out home insurance: This will protect your investment against possible losses.
Pay local taxes: As an owner, you will be required to pay property taxes.
Conclusion
Buying property in Djerba as a non-resident can seem complex, but with the right information and preparation, the process can be smooth and rewarding. By being diligent and working with trusted professionals, your dream of having a home in this Mediterranean paradise can easily become a reality.
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