I bought Pre-construction and had to do 5% down and the rest at different times of the progression of the project. If you buy a Home/condo that is built, most will ask for a depost on credit card of 1,000.00 to 3,000.00 to hold the listing till you get home or arrange your financing. { most people do this from thier bank at home and wire transfer} at this time they will require 10% of purchase price to start the paper work, notary. Be very sure on the property as if you back out and have sent the 10% you will loose all of that, no way you can get that back. I always tell people if they are seriously going to buy, get a Inspection from a 3rd party, this is similar to an appraiser in the U.S. It only cost about 200.00 U.S and they are in the phone book under inspector's. Most of them work for the banks in Aruba. If you get a loan in Aruba they will make you have one done. If you get to this point e-mail me and I will give you the name of a Inspector for Aruba bank that is very trustworthy and works for you not the realitor, they will say it is a waste of time. saved me about 250.000. try www.arubahouse.com If I remember they have alot of information on moving/buying a home in Aruba. anything I can help you with, feel free. I bought at www.GCV.com ( GOLD COAST VILLAS MALMOK)
HOPE THIS HELPS,
Barry