{"id":320468,"date":"2026-04-09T09:10:35","date_gmt":"2026-04-09T08:10:35","guid":{"rendered":"https:\/\/real-estate-mauritius.mu\/buying-off-plan-mauritius\/"},"modified":"2026-09-23T08:42:59","modified_gmt":"2026-09-23T04:42:59","slug":"buying-off-plan-mauritius","status":"publish","type":"post","link":"https:\/\/real-estate-mauritius.mu\/en\/buying-off-plan-mauritius\/","title":{"rendered":"Buying Off-Plan in Mauritius: Guarantees, Stage Payments, Handover"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"320468\" class=\"elementor elementor-320468 elementor-320464 elementor-bc-flex-widget\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-wg320468s elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"wg320468s\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-wg320468c\" data-id=\"wg320468c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-wg320468w elementor-widget elementor-widget-html\" data-id=\"wg320468w\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<main id=\"content\" class=\"wguide wguide--plan\">\n<style>.wguide.wguide--plan{--u:clamp(1px,calc(.55px + .03125vw),1.35px)}.wguide--plan h1{font-size:clamp(40px,4vw,calc(64*var(--u)));letter-spacing:-.02em;line-height:1.04}.wguide--plan h2{font-size:clamp(30px,2.6vw,calc(44*var(--u)));letter-spacing:-.015em;line-height:1.08}.wguide--plan .wguide-hero,.wguide--plan .wguide-hero__inner{min-height:min(calc(460*var(--u)),calc(100svh 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small{font-size:11px}.wguide--plan .wguide-table--sim td span{font-size:13px}.wguide--plan .wguide-table--sim td small{font-size:11px}.wguide--plan .wguide-sim .wguide-sim__cumul input[type=number]{width:48px!important;min-width:48px;padding:0 4px}.wguide--plan .wguide-sim__cumul i{margin-left:2px}}@media (max-width:360px){.wguide--plan .wguide-table--sim td span{font-size:12px}.wguide--plan .wguide-sim .wguide-sim__cumul input[type=number]{width:44px!important;min-width:44px}}@media (min-width:981px){.wguide--plan .wguide-section-head--deux{grid-template-columns:minmax(0,1fr) minmax(0,calc(520*var(--u)))}}<\/style>\n<section class=\"wguide-hero\" id=\"hero\"><div class=\"wguide-hero__media\"><img fetchpriority=\"high\" class=\"wguide-bg skip-lazy\" src=\"https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/ophelys-azuri-rue-townhouses-by-westimmo-wg1024.webp\" srcset=\"https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/ophelys-azuri-rue-townhouses-by-westimmo-wg640.webp 640w, https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/ophelys-azuri-rue-townhouses-by-westimmo-wg768.webp 768w, https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/ophelys-azuri-rue-townhouses-by-westimmo-wg1024.webp 1024w, https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/ophelys-azuri-rue-townhouses-by-westimmo-wg1280.webp 1280w, https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/ophelys-azuri-rue-townhouses-by-westimmo-wg1600.webp 1600w, https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/ophelys-azuri-rue-townhouses-by-westimmo-wg1920.webp 1920w\" sizes=\"100vw\" width=\"1920\" height=\"953\" alt=\"Street of townhouses in the Oph\u00e9lys development at Azuri, Mauritius, computer-generated image\" decoding=\"async\" loading=\"eager\" fetchpriority=\"high\" data-no-lazy=\"1\"><\/div><div class=\"wguide-hero__veil\"><\/div><div class=\"wguide-container wguide-hero__inner\"><div class=\"wguide-hero__copy\"><nav class=\"wguide-breadcrumb\" aria-label=\"Breadcrumb\"><a href=\"\/en\/\">Home<\/a><span>\u203a<\/span><span>Mauritius Guide<\/span><span>\u203a<\/span><span aria-current=\"page\">Buying off-plan<\/span><\/nav><p class=\"wguide-eyebrow\">Mauritius Guide<\/p><h1>Buying off-plan<br>in Mauritius<\/h1><p class=\"wguide-hero__lead\">Reservation, stage payments, guarantee, handover: what Mauritian law says, and what developers actually do.<\/p><p class=\"wguide-hero__text\">The Mauritian Civil Code governs every stage of an off-plan sale (VEFA). We reviewed the payment schedules of 23 developments that we sell, and a simulator works out your stage payments.<\/p><p class=\"wguide-hero__meta\"><span>Guide updated on 22 September 2026<\/span><span>12 min read<\/span><span class=\"wguide-hero__author\">By <strong>Franck Penarrubia<\/strong>, director of the Westimmo agency<\/span><span class=\"wguide-hero__contact\"><a href=\"tel:+23054834666\">+230 5483 4666<\/a> \u00b7 Royal Road, Tamarin<\/span><\/p><div class=\"wguide-actions\"><a class=\"wguide-btn wguide-btn--primary\" href=\"#formulaire\">Get support <span aria-hidden=\"true\">\u2192<\/span><\/a><a class=\"wguide-btn wguide-btn--ghost\" href=\"#simulateur\">Simulate my payments<\/a><\/div><\/div><div class=\"wguide-hero__quote\">Pay at the pace<br>of the build<\/div><\/div><\/section>\n<section class=\"wguide-quickfacts\" aria-labelledby=\"quickfacts-title\"><div class=\"wguide-container wguide-quickfacts__grid\"><div class=\"wguide-quickfacts__intro\"><h2 id=\"quickfacts-title\">Key points<\/h2><p>The four rules to know before you reserve.<\/p><\/div><article class=\"wguide-fact\"><span class=\"wguide-icon\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><rect x=\"3.5\" y=\"5\" width=\"17\" height=\"15\" rx=\"2\"\/><path d=\"M3.5 10h17M8 3v4M16 3v4\"\/><\/svg><\/span><p>Reservation deposit: at most 25% of the price, in an account in your name<\/p><\/article><article class=\"wguide-fact\"><span class=\"wguide-icon\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><circle cx=\"9\" cy=\"8\" r=\"3\"\/><circle cx=\"17\" cy=\"9\" r=\"2.4\"\/><path d=\"M3 20a6 6 0 0112 0M14.5 20a4.5 4.5 0 016.5-4\"\/><\/svg><\/span><p>Stage payments capped: 35% at foundations, 70% watertight, 95% at completion<\/p><\/article><article class=\"wguide-fact\"><span class=\"wguide-icon\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M6 3h8l4 4v14H6z\"\/><path d=\"M14 3v4h4M9 12h6M9 16h6\"\/><\/svg><\/span><p>Completion or refund guarantee: compulsory in the deed<\/p><\/article><article class=\"wguide-fact\"><span class=\"wguide-icon\" aria-hidden=\"true\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M6 4h12l3 5-9 11L3 9z\"\/><path d=\"M3 9h18\"\/><\/svg><\/span><p>Hidden defects: the seller is liable for ten years from acceptance of the works<\/p><\/article><\/div><\/section>\n<section class=\"wguide-section\" id=\"etapes\" aria-labelledby=\"etapes-titre\"><div class=\"wguide-container\"><header class=\"wguide-section-head wguide-section-head--split wguide-section-head--deux\"><div><p class=\"wguide-kicker\"><span>01<\/span> The steps<\/p><h2 id=\"etapes-titre\">How does buying off-plan work in Mauritius?<\/h2><\/div><div class=\"wguide-section-head__side\"><p>Five steps, from the reservation contract to the handover of keys. At each one, the Mauritian Civil Code sets what the developer may ask for and what it must give you.<\/p><a class=\"wguide-text-link\" href=\"\/en\/newly-delivered-or-off-plan-mauritius\/\">Completed or off-plan: which to choose \u2192<\/a><\/div><\/header><div class=\"wguide-tablewrap\" role=\"region\" aria-label=\"The five steps of an off-plan purchase\" tabindex=\"0\"><table class=\"wguide-table\"><caption>Mauritian Civil Code, articles <span class=\"nw\">1601-1<\/span> to <span class=\"nw\">1601-45<\/span>, read on 22 September 2026.<\/caption><thead><tr><th>Step<\/th><th>What is signed, what is paid<\/th><th>What the law requires<\/th><th>Legal text<\/th><\/tr><\/thead><tbody><tr><td>Reservation<\/td><td>Preliminary contract and security deposit<\/td><td>A written contract, handed over before any payment: floor area, rooms, technical note, estimated price, date of the sale. The deposit goes into a special account in your name, at a bank or with a notary<\/td><td>Arts. <span class=\"nw\">1601-38<\/span> to <span class=\"nw\">1601-43<\/span><\/td><\/tr><tr><td>Draft deed<\/td><td>Nothing<\/td><td>The draft deed of sale is notified to you at least one month before signing<\/td><td>Art. <span class=\"nw\">1601-44<\/span><\/td><\/tr><tr><td>Deed of sale<\/td><td>Authentic deed before the notary; first stage payment, registration duty and notary fees<\/td><td>The deed describes the property, sets the price and payment terms, the delivery date and the completion or refund guarantee; a dimensioned plan and a schedule of fittings are annexed<\/td><td>Arts. <span class=\"nw\">1601-7<\/span> and <span class=\"nw\">1601-29<\/span><\/td><\/tr><tr><td>Construction<\/td><td>Stage payments<\/td><td>In total, at most 35% of the price at completion of the foundations, 70% at the watertight stage, 95% at completion; foundations certified by a qualified professional<\/td><td>Arts. <span class=\"nw\">1601-27<\/span> and <span class=\"nw\">1601-30<\/span><\/td><\/tr><tr><td>Handover<\/td><td>Keys and balance of the price<\/td><td>The balance is due when the property is made available; it can be deposited instead if conformity is disputed<\/td><td>Art. <span class=\"nw\">1601-30<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"wguide-notes\"><article><h3>A VEFA, or nothing<\/h3><p>Any contract that requires payments before a home is completed must be a sale on completion (vente \u00e0 terme) or an off-plan sale (VEFA), otherwise it is void (art. <span class=\"nw\">1601-6<\/span>). In a VEFA, the land is yours from the deed, then the buildings as they are built (art. <span class=\"nw\">1601-3<\/span>).<\/p><\/article><article><h3>Nothing to the developer before the deed<\/h3><p>Before signing, the seller may neither demand nor accept any payment (art. <span class=\"nw\">1601-8<\/span>). Only the reservation deposit is allowed, blocked in a special account until the deed; any other promise to buy or sell is void (art. <span class=\"nw\">1601-38<\/span>).<\/p><\/article><article><h3>Foreign buyers: an approved development<\/h3><p>A non-citizen buys off-plan in a PDS, IRS, RES or Smart City development approved by the EDB, with an application of Rs&nbsp;25,000; from USD&nbsp;375,000, the property opens a residence permit. See <a href=\"\/en\/buying-property-mauritius-steps\/\" style=\"color:inherit;text-decoration:underline\">our guide to buying as a foreigner<\/a> and <a href=\"\/en\/buy-property-mauritius\/\" style=\"color:inherit;text-decoration:underline\">our properties for sale<\/a>.<\/p><\/article><\/div><\/div><\/section>\n<section class=\"wguide-section wguide-section--sand\" id=\"appels\" aria-labelledby=\"appels-titre\"><div class=\"wguide-container\"><header class=\"wguide-section-head wguide-section-head--split wguide-section-head--deux\"><div><p class=\"wguide-kicker\"><span>02<\/span> Stage payments<\/p><h2 id=\"appels-titre\">How much do you pay, and when?<\/h2><\/div><div class=\"wguide-section-head__side\"><p>The law caps the total paid: 35% of the price at completion of the foundations, 70% at the watertight stage, 95% at completion. Across the payment schedules of 23 developments that we sell, buyers most often pay 10% at reservation, 30% at the signing of the deed, and 5% at the handover of keys.<\/p><a class=\"wguide-text-link\" href=\"\/en\/new-program-mauritius\/\">See our new developments \u2192<\/a><\/div><\/header><div class=\"wguide-tablewrap\" role=\"region\" aria-label=\"Stage payments: the law and practice\" tabindex=\"0\"><table class=\"wguide-table wguide-table--pratique\"><caption>Cumulative caps of the Mauritian Civil Code (arts. <span class=\"nw\">1601-30<\/span> and <span class=\"nw\">1601-42<\/span>). Practice: payment schedules of 23 developments by 9 developers that we sell, documents from 2022 to 2026, reviewed on 22 September 2026.<\/caption><thead><tr><th>Step<\/th><th>Legal cap, cumulative<\/th><th>Most common<\/th><th>Schedules<\/th><\/tr><\/thead><tbody><tr><td>Reservation<\/td><td>25% if the deed is signed within a year, 2% within two years, no deposit beyond<\/td><td>10%<\/td><td>13 of 22<\/td><\/tr><tr><td>Signing of the deed<\/td><td>35% until the foundations are completed<\/td><td>30%<\/td><td>11 of 23<\/td><\/tr><tr><td>Completion of the foundations<\/td><td>35%<\/td><td>35%<\/td><td>9 of 12<\/td><\/tr><tr><td>Watertight stage<\/td><td>70%<\/td><td>70%<\/td><td>16 of 20<\/td><\/tr><tr><td>Completion of the building<\/td><td>95%<\/td><td>95%<\/td><td>21 of 21<\/td><\/tr><tr><td>Handover of keys<\/td><td>The balance<\/td><td>Balance of 5%<\/td><td>21 of 21<\/td><\/tr><\/tbody><\/table><\/div><div class=\"wguide-sim\" id=\"simulateur\" data-taux-eur=\"53.8968\" data-edb=\"25000\" data-notaire=\"0.0115\"><div class=\"wguide-sim__saisie\"><p class=\"wguide-sim__titre\">Simulate your stage payments<\/p><label class=\"wguide-sim__label\" for=\"wguide-sim-prix\">Property price<\/label><div class=\"wguide-sim__prix\"><input id=\"wguide-sim-prix\" type=\"number\" inputmode=\"numeric\" min=\"0\" step=\"1000\" value=\"500000\"><select id=\"wguide-sim-devise\" aria-label=\"Price currency\"><option value=\"EUR\" selected>\u20ac<\/option><option value=\"MUR\">Rs<\/option><\/select><\/div><label class=\"wguide-sim__case\"><input id=\"wguide-sim-edb\" type=\"checkbox\" checked> <span>IRS, RES or PDS property: EDB application of Rs&nbsp;25,000<\/span><\/label><div class=\"wguide-sim__kpi\"><span class=\"wguide-sim__label\">To pay on the day of the deed, costs included<\/span><strong data-sim=\"acte-mur\">Rs&nbsp;9,766,847<\/strong><small data-sim=\"acte-eur\">\u20ac181,214<\/small><\/div><p class=\"wguide-sim__note\">Cumulative percentages of the most common schedule across our developments. Replace them with those in your contract: each step is compared with the Civil Code cap.<\/p><p class=\"wguide-sim__note\">Converted at the Bank of Mauritius rate of 22 September 2026: \u20ac1 = Rs&nbsp;53.90. Notary fees estimated at 1.15% of the price, as developers state; financing not included.<\/p><\/div><div class=\"wguide-tablewrap wguide-sim__resultat\" role=\"region\" aria-live=\"polite\" aria-label=\"Simulation result\" tabindex=\"0\"><table class=\"wguide-table wguide-table--sim\"><thead><tr><th>Step<\/th><th>Total<\/th><th>Payment<\/th><\/tr><\/thead><tbody><tr><th>Reservation<small>Cap: 25%, if the deed is signed within a year<\/small><\/th><td class=\"wguide-sim__cumul\"><input type=\"number\" inputmode=\"decimal\" min=\"0\" max=\"100\" step=\"0.5\" value=\"10\" data-cumul data-plafond=\"25\" aria-label=\"Reservation: cumulative percentage of the price\"><i>%<\/i><b class=\"wguide-sim__ok\" aria-hidden=\"true\">\u2713<\/b><b class=\"wguide-sim__ko\" aria-hidden=\"true\" hidden>\u2715<\/b><\/td><td><span data-sim=\"appel-0-mur\">Rs&nbsp;2,694,840<\/span><small data-sim=\"appel-0-eur\">\u20ac50,000<\/small><\/td><\/tr><tr><th>Signing of the deed<small>Cap: 35% before the foundations<\/small><\/th><td class=\"wguide-sim__cumul\"><input type=\"number\" inputmode=\"decimal\" min=\"0\" max=\"100\" step=\"0.5\" value=\"30\" data-cumul data-plafond=\"35\" aria-label=\"Signing of the deed: cumulative percentage of the price\"><i>%<\/i><b class=\"wguide-sim__ok\" aria-hidden=\"true\">\u2713<\/b><b class=\"wguide-sim__ko\" aria-hidden=\"true\" hidden>\u2715<\/b><\/td><td><span data-sim=\"appel-1-mur\">Rs&nbsp;5,389,680<\/span><small data-sim=\"appel-1-eur\">\u20ac100,000<\/small><\/td><\/tr><tr><th>Completion of the foundations<small>Cap: 35%<\/small><\/th><td class=\"wguide-sim__cumul\"><input type=\"number\" inputmode=\"decimal\" min=\"0\" max=\"100\" step=\"0.5\" value=\"35\" data-cumul data-plafond=\"35\" aria-label=\"Completion of the foundations: cumulative percentage of the price\"><i>%<\/i><b class=\"wguide-sim__ok\" aria-hidden=\"true\">\u2713<\/b><b class=\"wguide-sim__ko\" aria-hidden=\"true\" hidden>\u2715<\/b><\/td><td><span data-sim=\"appel-2-mur\">Rs&nbsp;1,347,420<\/span><small data-sim=\"appel-2-eur\">\u20ac25,000<\/small><\/td><\/tr><tr><th>Watertight stage<small>Cap: 70%<\/small><\/th><td class=\"wguide-sim__cumul\"><input type=\"number\" inputmode=\"decimal\" min=\"0\" max=\"100\" step=\"0.5\" value=\"70\" data-cumul data-plafond=\"70\" aria-label=\"Watertight stage: cumulative percentage of the price\"><i>%<\/i><b class=\"wguide-sim__ok\" aria-hidden=\"true\">\u2713<\/b><b class=\"wguide-sim__ko\" aria-hidden=\"true\" hidden>\u2715<\/b><\/td><td><span data-sim=\"appel-3-mur\">Rs&nbsp;9,431,940<\/span><small data-sim=\"appel-3-eur\">\u20ac175,000<\/small><\/td><\/tr><tr><th>Completion of the building<small>Cap: 95%<\/small><\/th><td class=\"wguide-sim__cumul\"><input type=\"number\" inputmode=\"decimal\" min=\"0\" max=\"100\" step=\"0.5\" value=\"95\" data-cumul data-plafond=\"95\" aria-label=\"Completion of the building: cumulative percentage of the price\"><i>%<\/i><b class=\"wguide-sim__ok\" aria-hidden=\"true\">\u2713<\/b><b class=\"wguide-sim__ko\" aria-hidden=\"true\" hidden>\u2715<\/b><\/td><td><span data-sim=\"appel-4-mur\">Rs&nbsp;6,737,100<\/span><small data-sim=\"appel-4-eur\">\u20ac125,000<\/small><\/td><\/tr><tr><th>Handover of keys<small>The balance<\/small><\/th><td class=\"wguide-sim__cumul\"><input type=\"number\" inputmode=\"decimal\" min=\"0\" max=\"100\" step=\"0.5\" value=\"100\" data-cumul data-plafond=\"100\" aria-label=\"Handover of keys: cumulative percentage of the price\"><i>%<\/i><b class=\"wguide-sim__ok\" aria-hidden=\"true\">\u2713<\/b><b class=\"wguide-sim__ko\" aria-hidden=\"true\" hidden>\u2715<\/b><\/td><td><span data-sim=\"appel-5-mur\">Rs&nbsp;1,347,420<\/span><small data-sim=\"appel-5-eur\">\u20ac25,000<\/small><\/td><\/tr><tr><th>Costs at the signing of the deed<small>Duty 5%, notary 1.15%, EDB application<\/small><\/th><td><\/td><td><span data-sim=\"frais-mur\">Rs&nbsp;1,682,327<\/span><small data-sim=\"frais-eur\">\u20ac31,214<\/small><\/td><\/tr><\/tbody><\/table><p class=\"wguide-sim__alerte\" hidden>A percentage exceeds the Civil Code cap, or goes down from one step to the next: have this schedule checked before you sign.<\/p><\/div><\/div><script>(function(){var b=document.getElementById('simulateur');if(!b){return;}var T=parseFloat(b.getAttribute('data-taux-eur')),E=parseFloat(b.getAttribute('data-edb')),N=parseFloat(b.getAttribute('data-notaire'));var L=(document.documentElement.lang||'fr').slice(0,2).toLowerCase();var S=L==='en'?',':(L==='de'?'.':'\u00a0');function g(n){return String(Math.round(n)).replace(\/\\B(?=(\\d{3})+(?!\\d))\/g,S);}function rs(n){return 'Rs\u00a0'+g(n);}function eu(n){return L==='en'?'\u20ac'+g(n):g(n)+'\u00a0\u20ac';}var P=document.getElementById('wguide-sim-prix'),D=document.getElementById('wguide-sim-devise'),C=document.getElementById('wguide-sim-edb');var I=b.querySelectorAll('input[data-cumul]'),A=b.querySelector('.wguide-sim__alerte');function w(k,v){var c=b.querySelector('[data-sim=\"'+k+'\"]');if(c){c.textContent=v;}}function calc(){var v=parseFloat(P.value);if(!(v>0)){return;}var m=D.value==='EUR'?v*T:v,prev=0,ko=false;Array.prototype.forEach.call(I,function(x,i){var c=parseFloat(x.value);if(isNaN(c)){c=prev;}var a=(c-prev)\/100*m,hors=c>parseFloat(x.getAttribute('data-plafond'))||prev>c;x.parentNode.querySelector('.wguide-sim__ok').hidden=hors;x.parentNode.querySelector('.wguide-sim__ko').hidden=!hors;if(hors){ko=true;}w('appel-'+i+'-mur',a>=0?rs(a):'\u2014');w('appel-'+i+'-eur',a>=0?eu(a\/T):'');prev=c;});var f=.05*m+N*m+(C.checked?E:0),ac=(parseFloat(I[1].value)||0)\/100*m+f;w('frais-mur',rs(f));w('frais-eur',eu(f\/T));w('acte-mur',rs(ac));w('acte-eur',eu(ac\/T));if(A){A.hidden=!ko;}}P.addEventListener('input',calc);C.addEventListener('change',calc);Array.prototype.forEach.call(I,function(x){x.addEventListener('input',calc);});D.addEventListener('change',function(){var v=parseFloat(P.value);if(v>0){P.value=Math.round(D.value==='EUR'?v\/T:v*T);}calc();});})();<\/script><div class=\"wguide-notes wguide-notes--gold\"><article><h3>Read a schedule cumulatively<\/h3><p>Add up the payments: at the watertight stage, the total paid must not exceed 70% of the price. Westimmo checks every schedule against these caps before you sign; the simulator does it for yours.<\/p><\/article><article><h3>Costs fall due at the deed<\/h3><p>Registration duty of 5%, notary fees of about 1.15% and the EDB application are paid at signing, on top of that day\u2019s stage payment. The detail is in <a href=\"\/en\/real-estate-purchase-costs-mauritius\/\" style=\"color:inherit;text-decoration:underline\">our guide to buying costs<\/a>.<\/p><\/article><article><h3>A certificate at each stage<\/h3><p>Completion of the foundations is certified by a qualified professional (art. <span class=\"nw\">1601-27<\/span>): ask for the architect\u2019s certificate with each call for funds. A late payment cannot cost you more than 1% per month (art. <span class=\"nw\">1601-30<\/span>).<\/p><\/article><\/div><\/div><\/section>\n<section class=\"wguide-section\" id=\"garantie\" aria-labelledby=\"garantie-titre\"><div class=\"wguide-container\"><header class=\"wguide-section-head wguide-section-head--split wguide-section-head--deux\"><div><p class=\"wguide-kicker\"><span>03<\/span> The guarantee<\/p><h2 id=\"garantie-titre\">What does the completion guarantee cover in Mauritius?<\/h2><\/div><div class=\"wguide-section-head__side\"><p>In a VEFA, the deed must state a guarantee that the building will be completed or that your payments will be refunded (Mauritian Civil Code, art. <span class=\"nw\">1601-7<\/span>). It ensures the property will be finished, or that you will be repaid if the sale is cancelled for non-completion. It covers neither delays nor construction defects, and it ends on completion.<\/p><\/div><\/header><div class=\"wguide-tablewrap\" role=\"region\" aria-label=\"Forms of the guarantee\" tabindex=\"0\"><table class=\"wguide-table\"><caption>Mauritian Civil Code, arts. <span class=\"nw\">1601-31<\/span> to <span class=\"nw\">1601-37<\/span>, read on 22 September 2026.<\/caption><thead><tr><th>Guarantee<\/th><th>Who provides it<\/th><th>What it secures<\/th><th>Legal text<\/th><\/tr><\/thead><tbody><tr><td>Completion, by the development itself<\/td><td>The development, if it meets one condition: building watertight and free of any lien or mortgage, or foundations completed and financing secured for 75% of the price (60% if the seller\u2019s own funds cover 30%)<\/td><td>Completion, evidenced by certificates from the notary and the bank, available to you at the notary\u2019s office<\/td><td>Arts. <span class=\"nw\">1601-32<\/span> and <span class=\"nw\">1601-33<\/span><\/td><\/tr><tr><td>Completion, by a bank<\/td><td>A bank or authorised financial institution: a credit facility, or a guarantee given jointly with the seller<\/td><td>Payment of the sums needed to complete the building<\/td><td>Arts. <span class=\"nw\">1601-31<\/span> and <span class=\"nw\">1601-34<\/span><\/td><\/tr><tr><td>Refund<\/td><td>The same institutions, by a guarantee given jointly with the seller<\/td><td>Repayment of your payments if the sale is cancelled for non-completion<\/td><td>Art. <span class=\"nw\">1601-35<\/span><\/td><\/tr><tr><td>Individual house<\/td><td>The development, if the foundations are completed and payments do not exceed 20% at foundations, 45% watertight and 85% at completion<\/td><td>Completion of the house<\/td><td>Art. <span class=\"nw\">1601-32<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"wguide-notes\"><article><h3>What it does not cover<\/h3><p>Neither delay, which depends on the delivery date written in the deed, nor construction defects, covered by the defects guarantee. It ends on completion of the building, declared by a qualified professional (art. <span class=\"nw\">1601-37<\/span>).<\/p><\/article><article><h3>Ask for the evidence<\/h3><p>When the guarantee rests on the development\u2019s own conditions, the seller must keep the evidence available to you at the notary\u2019s office (art. <span class=\"nw\">1601-33<\/span>). Ask for it before the deed: it is one of the checks Westimmo carries out for you.<\/p><\/article><article><h3>Mauritian law, not French law<\/h3><p>\u201cGFA\u201d, \u201cdommages-ouvrage insurance\u201d: these terms come from French law, which many online guides cite. In Mauritius, the rule is that of the Mauritian Civil Code, articles <span class=\"nw\">1601-1<\/span> to <span class=\"nw\">1601-45<\/span>.<\/p><\/article><\/div><\/div><\/section>\n<section class=\"wguide-section wguide-section--sand\" id=\"recours\" aria-labelledby=\"recours-titre\"><div class=\"wguide-container\"><header class=\"wguide-section-head wguide-section-head--split wguide-section-head--deux\"><div><p class=\"wguide-kicker\"><span>04<\/span> Remedies<\/p><h2 id=\"recours-titre\">What happens if the sale falls through or the build runs late?<\/h2><\/div><div class=\"wguide-section-head__side\"><p>Your reservation deposit is returned, with no deduction or penalty, in five cases set by law, within three months of your request at the latest. A construction delay is dealt with by the deed: it must set a delivery date, and it is the deed that provides for penalties, or not.<\/p><\/div><\/header><div class=\"wguide-tablewrap\" role=\"region\" aria-label=\"When the reservation deposit is returned\" tabindex=\"0\"><table class=\"wguide-table wguide-table--cas\"><caption>Mauritian Civil Code, art. <span class=\"nw\">1601-45<\/span>: request by registered letter with acknowledgement of receipt, to the seller and the depositary; repayment within three months.<\/caption><thead><tr><th>Case provided by law<\/th><th>Legal text<\/th><\/tr><\/thead><tbody><tr><td>The sale is not concluded, for reasons attributable to the seller, within the period set in the preliminary contract<\/td><td>Art. <span class=\"nw\">1601-45<\/span> (a)<\/td><\/tr><tr><td>The sale price exceeds the estimated price, as revised under the contract, by more than 5%<\/td><td>Art. <span class=\"nw\">1601-45<\/span> (b)<\/td><\/tr><tr><td>The loans provided for in the contract are not obtained, or fall 10% short of the estimate<\/td><td>Art. <span class=\"nw\">1601-45<\/span> (c)<\/td><\/tr><tr><td>An item of equipment provided for in the contract will not be built<\/td><td>Art. <span class=\"nw\">1601-45<\/span> (d)<\/td><\/tr><tr><td>The property loses more than 10% of its value, in its extent or in the quality of the works<\/td><td>Art. <span class=\"nw\">1601-45<\/span> (e)<\/td><\/tr><\/tbody><\/table><\/div><div class=\"wguide-notes wguide-notes--gold\"><article><h3>If handover is late<\/h3><p>If the seller does not deliver within the agreed period and the delay is due to the seller alone, you may ask for the sale to be cancelled or to be put in possession, and for damages if you suffer a loss (arts. 1610 and 1611).<\/p><\/article><article><h3>A penalty to write in<\/h3><p>The law caps the penalty for a buyer who pays late, at 1% per month; it sets none for a developer who delivers late. Have one written into the deed, next to the delivery date.<\/p><\/article><article><h3>At most 10% on cancellation<\/h3><p>A fixed cancellation indemnity cannot exceed 10% of the price, but either party may claim compensation for the loss actually suffered (art. <span class=\"nw\">1601-11<\/span>). Any clause to the contrary is deemed unwritten (art. <span class=\"nw\">1601-12<\/span>).<\/p><\/article><\/div><\/div><\/section>\n<section class=\"wguide-section\" id=\"livraison\" aria-labelledby=\"livraison-titre\"><div class=\"wguide-container\"><header class=\"wguide-section-head wguide-section-head--split wguide-section-head--deux\"><div><p class=\"wguide-kicker\"><span>05<\/span> Handover<\/p><h2 id=\"livraison-titre\">What should you check at the handover of keys?<\/h2><\/div><div class=\"wguide-section-head__side\"><p>You pay the balance, 5% of the price in the 21 schedules that specify it. Note any visible defect in writing: the seller remains liable for it until at least one month after you take possession, and is then liable for ten years for hidden defects.<\/p><\/div><\/header><div class=\"wguide-tablewrap\" role=\"region\" aria-label=\"Your guarantees after handover\" tabindex=\"0\"><table class=\"wguide-table\"><caption>Mauritian Civil Code, arts. <span class=\"nw\">1601-13<\/span>, <span class=\"nw\">1601-30<\/span>, <span class=\"nw\">1642-1<\/span>, <span class=\"nw\">1646-1<\/span>, 1648 and 1792, read on 22 September 2026.<\/caption><thead><tr><th>Guarantee<\/th><th>Duration<\/th><th>Starting point<\/th><th>Legal text<\/th><\/tr><\/thead><tbody><tr><td>Visible construction defects<\/td><td>Until at least one month after taking possession; legal action within the following year<\/td><td>Acceptance of the works and taking possession<\/td><td>Arts. <span class=\"nw\">1642-1<\/span> and 1648<\/td><\/tr><tr><td>Minor works<\/td><td>2 years<\/td><td>Acceptance of the works<\/td><td>Art. <span class=\"nw\">1646-1<\/span><\/td><\/tr><tr><td>Hidden defects and soundness of the building<\/td><td>10 years<\/td><td>Acceptance of the works<\/td><td>Arts. <span class=\"nw\">1646-1<\/span> and 1792<\/td><\/tr><tr><td>Balance of the price<\/td><td>Payable when the property is made available; can be deposited if conformity is disputed<\/td><td>Handover of keys<\/td><td>Art. <span class=\"nw\">1601-30<\/span><\/td><\/tr><\/tbody><\/table><\/div><div class=\"wguide-notes\"><article><h3>Completed does not mean compliant<\/h3><p>A property is completed when it can be used; minor defects do not prevent completion, but recording completion is neither acceptance of conformity nor a waiver of your remedies (art. <span class=\"nw\">1601-13<\/span>).<\/p><\/article><article><h3>Repair rather than cancel<\/h3><p>If the seller undertakes to repair a defect, there is no ground for cancelling the sale or reducing the price (arts. <span class=\"nw\">1642-1<\/span> and <span class=\"nw\">1646-1<\/span>). Get that undertaking in writing, and dated.<\/p><\/article><article><h3>The guarantee follows the property<\/h3><p>The two- and ten-year guarantees benefit successive owners: if you sell, your buyer benefits from them (art. <span class=\"nw\">1646-1<\/span>).<\/p><\/article><\/div><aside class=\"wguide-accomp\" aria-labelledby=\"accomp-titre\"><div class=\"wguide-accomp__intro\"><p class=\"wguide-kicker wguide-kicker--light\"><span>05<\/span> Our support<\/p><h3 id=\"accomp-titre\">Buy off-plan with Westimmo<\/h3><p>For eight years we have helped more than 1,500 people settle in Mauritius. We offer you approved developments, and we review the preliminary contract, the payment schedule and the guarantee with you before each signature.<\/p><div class=\"wguide-accomp__actions\"><a class=\"wguide-btn wguide-btn--gold-inline\" href=\"#formulaire\">Get support <span aria-hidden=\"true\">\u2192<\/span><\/a><a class=\"wguide-btn wguide-btn--ghost\" href=\"https:\/\/wa.me\/23057406021\" target=\"_blank\" rel=\"noopener\">Message us on WhatsApp<\/a><\/div><\/div><ul class=\"wguide-accomp__list\"><li><span><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"8\"\/><circle cx=\"12\" cy=\"12\" r=\"4\"\/><circle cx=\"12\" cy=\"12\" r=\".8\"\/><\/svg><\/span><strong>Approved developments<\/strong><p>PDS, IRS, RES or Smart City: developments open to foreigners, with their EDB approval.<\/p><\/li><li><span><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M3 11l9-7 9 7v9a1 1 0 01-1 1h-5v-6H9v6H4a1 1 0 01-1-1z\"\/><\/svg><\/span><strong>The schedule reviewed<\/strong><p>Every stage payment compared with the Civil Code caps, before you sign.<\/p><\/li><li><span><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M6 3h8l4 4v14H6z\"\/><path d=\"M14 3v4h4M9 12h6M9 16h6\"\/><\/svg><\/span><strong>The guarantee checked<\/strong><p>Evidence of the completion or refund guarantee, requested before the deed.<\/p><\/li><li><span><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M12 20s-7-4.4-7-10a4 4 0 017-2.6A4 4 0 0119 10c0 5.6-7 10-7 10z\"\/><\/svg><\/span><strong>Partners who comply<\/strong><p>Notaries, banks, lawyers: people who comply with Mauritian law, as Westimmo does.<\/p><\/li><\/ul><\/aside><\/div><\/section>\n<section class=\"wguide-section wguide-section--sand\" id=\"idees-recues\" aria-labelledby=\"idees-titre\"><div class=\"wguide-container\"><header class=\"wguide-section-head wguide-section-head--split wguide-section-head--deux\"><div><p class=\"wguide-kicker\"><span>06<\/span> Misconceptions<\/p><h2 id=\"idees-titre\">Which mistakes should you avoid when buying off-plan?<\/h2><\/div><div class=\"wguide-section-head__side\"><p>Nine claims in circulation, each contradicted by the Mauritian Civil Code.<\/p><\/div><\/header><div class=\"wguide-notes\"><article><h3>\u201cThe completion guarantee is optional\u201d<\/h3><p>In a VEFA, the deed must state a completion or refund guarantee (art. <span class=\"nw\">1601-7<\/span>). What is optional is for it to come from a bank.<\/p><\/article><article><h3>\u201cYou pay the developer a down payment to reserve\u201d<\/h3><p>The deposit goes into a special account in your name, at a bank or with a notary, blocked until the deed (arts. <span class=\"nw\">1601-38<\/span> and <span class=\"nw\">1601-43<\/span>).<\/p><\/article><article><h3>\u201cThe deposit amount is up to the developer\u201d<\/h3><p>It is capped: 25% of the price if the deed is signed within a year, 2% within two years, no deposit beyond (art. <span class=\"nw\">1601-42<\/span>).<\/p><\/article><article><h3>\u201cA simple reservation form is enough\u201d<\/h3><p>Before the deed, only the Civil Code\u2019s preliminary contract counts: any other promise to buy or sell is void (art. <span class=\"nw\">1601-38<\/span>).<\/p><\/article><article><h3>\u201cYou pay half before the first shovel\u201d<\/h3><p>Until the foundations are completed, the total paid cannot exceed 35% of the price (art. <span class=\"nw\">1601-30<\/span>).<\/p><\/article><article><h3>\u201cYou become the owner at the handover of keys\u201d<\/h3><p>In a VEFA, the land is yours from the deed, and the buildings as they are built (art. <span class=\"nw\">1601-3<\/span>).<\/p><\/article><article><h3>\u201cThe balance is due even if the property does not comply\u201d<\/h3><p>It can be deposited if conformity with the contract is disputed (art. <span class=\"nw\">1601-30<\/span>).<\/p><\/article><article><h3>\u201cA late handover is always compensated\u201d<\/h3><p>The law sets no penalty for the developer: only the contract provides one. Without a clause, you must prove a loss (art. 1611).<\/p><\/article><article><h3>\u201cThe ten-year guarantee is an insurance policy\u201d<\/h3><p>It is the seller\u2019s liability: ten years from acceptance of the works, for hidden defects (art. <span class=\"nw\">1646-1<\/span>).<\/p><\/article><\/div><\/div><\/section>\n<section class=\"wguide-section\" id=\"guides-associes\" aria-labelledby=\"liens-titre\"><div class=\"wguide-container\"><header class=\"wguide-section-head wguide-section-head--split wguide-section-head--deux\"><div><p class=\"wguide-kicker\"><span>07<\/span> Related guides<\/p><h2 id=\"liens-titre\">Further reading<\/h2><\/div><div class=\"wguide-section-head__side\"><p>Our new developments, the full cost of a purchase, and the developments open to foreigners.<\/p><\/div><\/header><div class=\"wguide-related-grid\"><a class=\"wguide-related-card\" href=\"\/en\/new-program-mauritius\/\"><img loading=\"lazy\" class=\"wguide-bg\" src=\"https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/programme-la-foret-grand-baie-ile-maurice-15-wg1200.webp\" srcset=\"https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/programme-la-foret-grand-baie-ile-maurice-15-wg480.webp 480w, https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/programme-la-foret-grand-baie-ile-maurice-15-wg640.webp 640w, https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/programme-la-foret-grand-baie-ile-maurice-15-wg800.webp 800w, https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/programme-la-foret-grand-baie-ile-maurice-15-wg1200.webp 1200w\" sizes=\"auto, (max-width: 980px) 100vw, 30vw\" width=\"1200\" height=\"675\" alt=\"\" decoding=\"async\" loading=\"lazy\"><span><strong>Our new developments<\/strong><small>Off-plan or completed, across Mauritius<\/small><\/span><b aria-hidden=\"true\">\u2192<\/b><\/a><a class=\"wguide-related-card\" href=\"\/en\/real-estate-purchase-costs-mauritius\/\"><img loading=\"lazy\" class=\"wguide-bg\" src=\"https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/villas-aloes-cap-tamarin-villa-piscine-by-westimmo-wg1200.webp\" srcset=\"https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/villas-aloes-cap-tamarin-villa-piscine-by-westimmo-wg480.webp 480w, https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/villas-aloes-cap-tamarin-villa-piscine-by-westimmo-wg640.webp 640w, https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/villas-aloes-cap-tamarin-villa-piscine-by-westimmo-wg800.webp 800w, https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/villas-aloes-cap-tamarin-villa-piscine-by-westimmo-wg1200.webp 1200w\" sizes=\"auto, (max-width: 980px) 100vw, 30vw\" width=\"1200\" height=\"675\" alt=\"\" decoding=\"async\" loading=\"lazy\"><span><strong>Buying costs<\/strong><small>The real cost, line by line<\/small><\/span><b aria-hidden=\"true\">\u2192<\/b><\/a><a class=\"wguide-related-card\" href=\"\/en\/pds-irs-res-r2-smartcity-how-to-buy-mauritius\/\"><img loading=\"lazy\" class=\"wguide-bg\" src=\"https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/Projet-SHOBA-Flic-en-Flac-Villa-Terrasse-R1-vue-mer-by-Westimmo-4-wg1200.webp\" srcset=\"https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/Projet-SHOBA-Flic-en-Flac-Villa-Terrasse-R1-vue-mer-by-Westimmo-4-wg480.webp 480w, https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/Projet-SHOBA-Flic-en-Flac-Villa-Terrasse-R1-vue-mer-by-Westimmo-4-wg640.webp 640w, https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/Projet-SHOBA-Flic-en-Flac-Villa-Terrasse-R1-vue-mer-by-Westimmo-4-wg800.webp 800w, https:\/\/real-estate-mauritius.mu\/wp-content\/uploads\/wguide\/Projet-SHOBA-Flic-en-Flac-Villa-Terrasse-R1-vue-mer-by-Westimmo-4-wg1200.webp 1200w\" sizes=\"auto, (max-width: 980px) 100vw, 30vw\" width=\"1200\" height=\"720\" alt=\"\" decoding=\"async\" loading=\"lazy\"><span><strong>PDS, IRS, RES, Smart City<\/strong><small>The developments open to foreigners<\/small><\/span><b aria-hidden=\"true\">\u2192<\/b><\/a><\/div><\/div><\/section>\n<section class=\"wguide-section wguide-section--sources\" id=\"sources\"><div class=\"wguide-container wguide-sources\"><div><p class=\"wguide-kicker\"><span>08<\/span> Sources &amp; methodology<\/p><h2>Reliable, up-to-date information<\/h2><p>Every rule comes from the Mauritian Civil Code; every practice, from the payment schedules of our developments.<\/p><\/div><div class=\"wguide-source-logos\" aria-label=\"Sources consulted\"><span><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M3 9l9-5 9 5M5 9v9M9.5 9v9M14.5 9v9M19 9v9M3 20h18\"\/><\/svg><span>AGO<small>Official legal texts<\/small><\/span><\/span><span><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"9\"\/><path d=\"M3 12h18M12 3a14 14 0 010 18M12 3a14 14 0 000 18\"\/><\/svg><span>EDB<small>Economic Development Board<\/small><\/span><\/span><span><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M3 11l9-7 9 7v9a1 1 0 01-1 1H4a1 1 0 01-1-1z\"\/><\/svg><span>BOM<small>Bank of Mauritius<\/small><\/span><\/span><span><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M6 3h8l4 4v14H6z\"\/><path d=\"M14 3v4h4M9 12h6M9 16h6\"\/><\/svg><span>Westimmo<small>Schedules of our developments<\/small><\/span><\/span><\/div><\/div><div class=\"wguide-container\"><div class=\"wguide-method\"><ul><li>Mauritian Civil Code, arts. <span class=\"nw\">1601-1<\/span> to <span class=\"nw\">1601-45<\/span>, sale of buildings to be constructed \u2014 Attorney General\u2019s Office<\/li><li>Mauritian Civil Code, arts. 1610, 1611, <span class=\"nw\">1642-1<\/span>, <span class=\"nw\">1646-1<\/span>, 1648 and 1792 \u2014 delivery and guarantees<\/li><li>Registration Duty Act and Finance Act 2026 (Act No. 14 of 2026) \u2014 5% registration duty<\/li><li>Notaries Act, s.&nbsp;37 and Schedule, Part I \u2014 notary fees<\/li><li>Economic Development Board \u2014 IRS, RES and PDS guidelines of January 2025<\/li><li>Immigration Act 2022, s.&nbsp;8(1) \u2014 residence threshold of USD&nbsp;375,000<\/li><li>Bank of Mauritius \u2014 indicative rates of 22 September 2026: \u20ac1 = Rs&nbsp;53.8968 and USD&nbsp;1 = Rs&nbsp;46.9673, telegraphic-transfer buying rate<\/li><li>Westimmo \u2014 payment schedules of 23 developments by 9 developers that we sell, documents from 2022 to 2026, reviewed on 22 September 2026<\/li><\/ul><p>Laws read on 22 September 2026. This guide does not replace a review of your contract by a notary or a lawyer: have it checked before you sign.<\/p><\/div><\/div><\/section>\n<section class=\"wguide-section\" id=\"faq\" aria-labelledby=\"faq-section-titre\"><div class=\"wguide-container\"><header class=\"wguide-section-head wguide-section-head--split wguide-section-head--deux\"><div><p class=\"wguide-kicker\"><span>09<\/span> Frequently asked questions<\/p><h2 id=\"faq-section-titre\">Your questions about buying off-plan<\/h2><\/div><div class=\"wguide-section-head__side\"><p>Short answers, backed by the texts.<\/p><button class=\"wguide-text-link wguide-faq-openall\" type=\"button\" aria-expanded=\"false\">Open all +<\/button><\/div><\/header><div class=\"wguide-faq\"><section class=\"westimmo-faq\" data-faq-schema=\"true\" aria-labelledby=\"faq-titre-320468\"><div class=\"westimmo-faq__inner\"><div class=\"westimmo-faq__content\"><header class=\"westimmo-faq__header\"><h2 class=\"westimmo-faq__title\" id=\"faq-titre-320468\">Frequently asked questions about buying off-plan in Mauritius<\/h2><span class=\"westimmo-faq__accent\" aria-hidden=\"true\"><\/span><\/header><div class=\"westimmo-faq__list\"><article class=\"westimmo-faq__item\"><h3 class=\"westimmo-faq__question-heading\"><button class=\"westimmo-faq__question\" type=\"button\" aria-expanded=\"false\" aria-controls=\"faq-r-320468-1\" id=\"faq-q-320468-1\"><span>How does buying off-plan work in Mauritius?<\/span><span class=\"westimmo-faq__icon\" aria-hidden=\"true\"><\/span><\/button><\/h3><div class=\"westimmo-faq__answer\" id=\"faq-r-320468-1\" role=\"region\" aria-labelledby=\"faq-q-320468-1\" hidden><div class=\"westimmo-faq__answer-inner\"><p>In five stages: a preliminary contract with a deposit in a special account, notification of the draft deed one month before signing, the off-plan deed of sale (VEFA) before the notary, stage payments as the build progresses, then the handover of keys against the balance. The Mauritian Civil Code governs each stage, articles <span class=\"nw\">1601-1<\/span> to <span class=\"nw\">1601-45<\/span>.<\/p><\/div><\/div><\/article><article class=\"westimmo-faq__item\"><h3 class=\"westimmo-faq__question-heading\"><button class=\"westimmo-faq__question\" type=\"button\" aria-expanded=\"false\" aria-controls=\"faq-r-320468-2\" id=\"faq-q-320468-2\"><span>What deposit can be required to reserve a new-build property in Mauritius?<\/span><span class=\"westimmo-faq__icon\" aria-hidden=\"true\"><\/span><\/button><\/h3><div class=\"westimmo-faq__answer\" id=\"faq-r-320468-2\" role=\"region\" aria-labelledby=\"faq-q-320468-2\" hidden><div class=\"westimmo-faq__answer-inner\"><p>At most 25% of the estimated price if the deed of sale is signed within a year, 2% if it is signed within two years, and no deposit beyond (Mauritian Civil Code, art. <span class=\"nw\">1601-42<\/span>). Across the schedules of the developments we sell, the most common deposit is 10%.<\/p><\/div><\/div><\/article><article class=\"westimmo-faq__item\"><h3 class=\"westimmo-faq__question-heading\"><button class=\"westimmo-faq__question\" type=\"button\" aria-expanded=\"false\" aria-controls=\"faq-r-320468-3\" id=\"faq-q-320468-3\"><span>What is the payment schedule for an off-plan (VEFA) purchase in Mauritius?<\/span><span class=\"westimmo-faq__icon\" aria-hidden=\"true\"><\/span><\/button><\/h3><div class=\"westimmo-faq__answer\" id=\"faq-r-320468-3\" role=\"region\" aria-labelledby=\"faq-q-320468-3\" hidden><div class=\"westimmo-faq__answer-inner\"><p>The law caps the total paid at 35% of the price at completion of the foundations, 70% at the watertight stage and 95% at completion, the balance being due at the handover of keys (art. <span class=\"nw\">1601-30<\/span>). Across the 23 schedules we reviewed, the most common pattern is 10% at reservation, 30% at the deed, 35% at foundations, 70% watertight, 95% at completion, then 5% at handover.<\/p><\/div><\/div><\/article><article class=\"westimmo-faq__item\"><h3 class=\"westimmo-faq__question-heading\"><button class=\"westimmo-faq__question\" type=\"button\" aria-expanded=\"false\" aria-controls=\"faq-r-320468-4\" id=\"faq-q-320468-4\"><span>What does the completion guarantee cover in Mauritius?<\/span><span class=\"westimmo-faq__icon\" aria-hidden=\"true\"><\/span><\/button><\/h3><div class=\"westimmo-faq__answer\" id=\"faq-r-320468-4\" role=\"region\" aria-labelledby=\"faq-q-320468-4\" hidden><div class=\"westimmo-faq__answer-inner\"><p>It ensures the building will be finished or, as a refund guarantee, that your payments will be returned if the sale is cancelled for non-completion (Mauritian Civil Code, arts. <span class=\"nw\">1601-31<\/span> to <span class=\"nw\">1601-37<\/span>). It covers neither delays nor construction defects, and it ends on completion.<\/p><\/div><\/div><\/article><article class=\"westimmo-faq__item\"><h3 class=\"westimmo-faq__question-heading\"><button class=\"westimmo-faq__question\" type=\"button\" aria-expanded=\"false\" aria-controls=\"faq-r-320468-5\" id=\"faq-q-320468-5\"><span>Is the completion guarantee compulsory?<\/span><span class=\"westimmo-faq__icon\" aria-hidden=\"true\"><\/span><\/button><\/h3><div class=\"westimmo-faq__answer\" id=\"faq-r-320468-5\" role=\"region\" aria-labelledby=\"faq-q-320468-5\" hidden><div class=\"westimmo-faq__answer-inner\"><p>Yes, in an off-plan sale (VEFA): the deed must state the completion or refund guarantee (art. <span class=\"nw\">1601-7<\/span>). It can come from a bank, or from the development\u2019s own conditions, for example a building already watertight and free of mortgage (art. <span class=\"nw\">1601-32<\/span>).<\/p><\/div><\/div><\/article><article class=\"westimmo-faq__item\"><h3 class=\"westimmo-faq__question-heading\"><button class=\"westimmo-faq__question\" type=\"button\" aria-expanded=\"false\" aria-controls=\"faq-r-320468-6\" id=\"faq-q-320468-6\"><span>What happens if the developer delivers late?<\/span><span class=\"westimmo-faq__icon\" aria-hidden=\"true\"><\/span><\/button><\/h3><div class=\"westimmo-faq__answer\" id=\"faq-r-320468-6\" role=\"region\" aria-labelledby=\"faq-q-320468-6\" hidden><div class=\"westimmo-faq__answer-inner\"><p>The deed must set a delivery date. If the delay is due to the seller alone, you may ask for the sale to be cancelled or to be put in possession, and for damages if you suffer a loss (arts. 1610 and 1611). The law sets no late-delivery penalty for the developer: have one written into the deed.<\/p><\/div><\/div><\/article><article class=\"westimmo-faq__item\"><h3 class=\"westimmo-faq__question-heading\"><button class=\"westimmo-faq__question\" type=\"button\" aria-expanded=\"false\" aria-controls=\"faq-r-320468-7\" id=\"faq-q-320468-7\"><span>Can you get your reservation deposit back?<\/span><span class=\"westimmo-faq__icon\" aria-hidden=\"true\"><\/span><\/button><\/h3><div class=\"westimmo-faq__answer\" id=\"faq-r-320468-7\" role=\"region\" aria-labelledby=\"faq-q-320468-7\" hidden><div class=\"westimmo-faq__answer-inner\"><p>Yes, with no deduction or penalty, in five cases: sale not concluded for reasons attributable to the seller, price more than 5% above the estimated price, loans not obtained or 10% short, planned equipment not built, or a loss of value of more than 10%. The request is made by registered letter, and repayment is due within three months (art. <span class=\"nw\">1601-45<\/span>).<\/p><\/div><\/div><\/article><article class=\"westimmo-faq__item\"><h3 class=\"westimmo-faq__question-heading\"><button class=\"westimmo-faq__question\" type=\"button\" aria-expanded=\"false\" aria-controls=\"faq-r-320468-8\" id=\"faq-q-320468-8\"><span>When do you become the owner of a property bought off-plan?<\/span><span class=\"westimmo-faq__icon\" aria-hidden=\"true\"><\/span><\/button><\/h3><div class=\"westimmo-faq__answer\" id=\"faq-r-320468-8\" role=\"region\" aria-labelledby=\"faq-q-320468-8\" hidden><div class=\"westimmo-faq__answer-inner\"><p>From the deed of sale for the land and whatever is already built; the works still to come become yours as they are built (Mauritian Civil Code, art. <span class=\"nw\">1601-3<\/span>). The developer keeps the powers of project owner until the works are accepted.<\/p><\/div><\/div><\/article><article class=\"westimmo-faq__item\"><h3 class=\"westimmo-faq__question-heading\"><button class=\"westimmo-faq__question\" type=\"button\" aria-expanded=\"false\" aria-controls=\"faq-r-320468-9\" id=\"faq-q-320468-9\"><span>What costs are paid at the signing of an off-plan deed?<\/span><span class=\"westimmo-faq__icon\" aria-hidden=\"true\"><\/span><\/button><\/h3><div class=\"westimmo-faq__answer\" id=\"faq-r-320468-9\" role=\"region\" aria-labelledby=\"faq-q-320468-9\" hidden><div class=\"westimmo-faq__answer-inner\"><p>On top of that day\u2019s stage payment: 5% registration duty, about 1.15% notary fees and, for an IRS, RES or PDS property, Rs&nbsp;25,000 for the EDB application. For a property at \u20ac500,000, that comes to about Rs&nbsp;1,682,327, or \u20ac31,214 at the Bank of Mauritius rate of 22 September 2026.<\/p><\/div><\/div><\/article><article class=\"westimmo-faq__item\"><h3 class=\"westimmo-faq__question-heading\"><button class=\"westimmo-faq__question\" type=\"button\" aria-expanded=\"false\" aria-controls=\"faq-r-320468-10\" id=\"faq-q-320468-10\"><span>Can a foreigner buy off-plan in Mauritius?<\/span><span class=\"westimmo-faq__icon\" aria-hidden=\"true\"><\/span><\/button><\/h3><div class=\"westimmo-faq__answer\" id=\"faq-r-320468-10\" role=\"region\" aria-labelledby=\"faq-q-320468-10\" hidden><div class=\"westimmo-faq__answer-inner\"><p>Yes, in a PDS, IRS, RES or Smart City development approved by the Economic Development Board. From USD&nbsp;375,000, the purchase opens a residence permit, extended to the spouse and dependants.<\/p><\/div><\/div><\/article><article class=\"westimmo-faq__item\"><h3 class=\"westimmo-faq__question-heading\"><button class=\"westimmo-faq__question\" type=\"button\" aria-expanded=\"false\" aria-controls=\"faq-r-320468-11\" id=\"faq-q-320468-11\"><span>What should you check at the handover of keys?<\/span><span class=\"westimmo-faq__icon\" aria-hidden=\"true\"><\/span><\/button><\/h3><div class=\"westimmo-faq__answer\" id=\"faq-r-320468-11\" role=\"region\" aria-labelledby=\"faq-q-320468-11\" hidden><div class=\"westimmo-faq__answer-inner\"><p>Conformity with the contract and visible defects, to be noted in writing. The seller remains liable for them until at least one month after you take possession, and the balance can be deposited if conformity is disputed (arts. <span class=\"nw\">1601-30<\/span> and <span class=\"nw\">1642-1<\/span>).<\/p><\/div><\/div><\/article><article class=\"westimmo-faq__item\"><h3 class=\"westimmo-faq__question-heading\"><button class=\"westimmo-faq__question\" type=\"button\" aria-expanded=\"false\" aria-controls=\"faq-r-320468-12\" id=\"faq-q-320468-12\"><span>What is the ten-year guarantee (garantie d\u00e9cennale) in Mauritius?<\/span><span class=\"westimmo-faq__icon\" aria-hidden=\"true\"><\/span><\/button><\/h3><div class=\"westimmo-faq__answer\" id=\"faq-r-320468-12\" role=\"region\" aria-labelledby=\"faq-q-320468-12\" hidden><div class=\"westimmo-faq__answer-inner\"><p>The seller of a building to be constructed is liable for ten years, from acceptance of the works, for the hidden defects for which the builders are liable, and for two years for minor works (Mauritian Civil Code, art. <span class=\"nw\">1646-1<\/span>). These guarantees pass to successive owners.<\/p><\/div><\/div><\/article><\/div><\/div><div class=\"westimmo-faq__visual\" aria-hidden=\"true\"><\/div><\/div><\/section>\n<!--westimmo-faq-schema--><script type=\"application\/ld+json\" id=\"westimmo-faq-schema\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How does buying off-plan work in Mauritius?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"In five stages: a preliminary contract with a deposit in a special account, notification of the draft deed one month before signing, the off-plan deed of sale (VEFA) before the notary, stage payments as the build progresses, then the handover of keys against the balance. The Mauritian Civil Code governs each stage, articles 1601-1 to 1601-45.\"}},{\"@type\":\"Question\",\"name\":\"What deposit can be required to reserve a new-build property in Mauritius?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"At most 25% of the estimated price if the deed of sale is signed within a year, 2% if it is signed within two years, and no deposit beyond (Mauritian Civil Code, art. 1601-42). Across the schedules of the developments we sell, the most common deposit is 10%.\"}},{\"@type\":\"Question\",\"name\":\"What is the payment schedule for an off-plan (VEFA) purchase in Mauritius?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The law caps the total paid at 35% of the price at completion of the foundations, 70% at the watertight stage and 95% at completion, the balance being due at the handover of keys (art. 1601-30). 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It can come from a bank, or from the development\u2019s own conditions, for example a building already watertight and free of mortgage (art. 1601-32).\"}},{\"@type\":\"Question\",\"name\":\"What happens if the developer delivers late?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The deed must set a delivery date. If the delay is due to the seller alone, you may ask for the sale to be cancelled or to be put in possession, and for damages if you suffer a loss (arts. 1610 and 1611). The law sets no late-delivery penalty for the developer: have one written into the deed.\"}},{\"@type\":\"Question\",\"name\":\"Can you get your reservation deposit back?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, with no deduction or penalty, in five cases: sale not concluded for reasons attributable to the seller, price more than 5% above the estimated price, loans not obtained or 10% short, planned equipment not built, or a loss of value of more than 10%. The request is made by registered letter, and repayment is due within three months (art. 1601-45).\"}},{\"@type\":\"Question\",\"name\":\"When do you become the owner of a property bought off-plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"From the deed of sale for the land and whatever is already built; the works still to come become yours as they are built (Mauritian Civil Code, art. 1601-3). The developer keeps the powers of project owner until the works are accepted.\"}},{\"@type\":\"Question\",\"name\":\"What costs are paid at the signing of an off-plan deed?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"On top of that day\u2019s stage payment: 5% registration duty, about 1.15% notary fees and, for an IRS, RES or PDS property, Rs 25,000 for the EDB application. For a property at \u20ac500,000, that comes to about Rs 1,682,327, or \u20ac31,214 at the Bank of Mauritius rate of 22 September 2026.\"}},{\"@type\":\"Question\",\"name\":\"Can a foreigner buy off-plan in Mauritius?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, in a PDS, IRS, RES or Smart City development approved by the Economic Development Board. From USD 375,000, the purchase opens a residence permit, extended to the spouse and dependants.\"}},{\"@type\":\"Question\",\"name\":\"What should you check at the handover of keys?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Conformity with the contract and visible defects, to be noted in writing. The seller remains liable for them until at least one month after you take possession, and the balance can be deposited if conformity is disputed (arts. 1601-30 and 1642-1).\"}},{\"@type\":\"Question\",\"name\":\"What is the ten-year guarantee (garantie d\u00e9cennale) in Mauritius?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The seller of a building to be constructed is liable for ten years, from acceptance of the works, for the hidden defects for which the builders are liable, and for two years for minor works (Mauritian Civil Code, art. 1646-1). These guarantees pass to successive owners.\"}}]}<\/script><!--\/westimmo-faq-schema--><\/div><\/div><\/section>\n<div id=\"formulaire\" aria-hidden=\"true\"><\/div>\n<\/main>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Reservation, stage payments, completion guarantee, handover: what the Mauritian Civil Code says about buying off-plan, the payment schedules of 23 developments reviewed by Westimmo, and a simulator.<\/p>\n","protected":false},"author":1,"featured_media":328187,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_yoast_wpseo_meta-robots-noindex":"","footnotes":""},"categories":[1505,1504],"tags":[],"class_list":["post-320468","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-our-advice","category-real-estate-and-investment"],"yoast_head":"<!-- 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