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Mauritius 💰 MUR Last updated2026-05-28 Home loan Calculator
Mauritius
A home loan of Rs 4,500,000 at 7.25% over 25 years works out to a monthly payment of about Rs 32,526, with total interest of Rs 5,257,893 over the full term.
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Local context Home loans in Mauritius
Market overview
The Mauritian mortgage market is led by Mauritius Commercial Bank (MCB), State Bank of Mauritius (SBM), AfrAsia Bank, ABC Banking and Absa Mauritius. The Bank of Mauritius (BoM) holds the Key Rate at 4.5% since mid-2024, with the Prime Lending Rate around 7.0-7.5%. Property demand is supported by the IRS/RES/PDS/SCS schemes which grant residency to foreign buyers above USD 375,000.
Why 7.25% is the typical rate
Rates of 6.5-8% reflect the BoM Key Rate of 4.5% plus a 2-3% bank margin, with PLR-linked variable mortgages dominant; the Repo Rate transmission has been steady since the 2024 BoM framework reform.
Tax & regulatory notes
Buyers pay 5% registration duty plus 0.2% transcription fee under the Registration Duty Act 1804 and 5% land transfer tax payable by the seller. Foreign buyers under PDS/IRS pay an additional 5% land transfer tax. The Code Napoleon-based property law and Banking Act 2004 govern mortgages, with the BoM enforcing macroprudential DSTI caps of 40%.
A home loan of Rs 4,500,000 at 7.25% over 25 years
Rs 4,500,000 7.25% 25 years (300 months) Rs 32,526 Rs 5,257,893 Rs 9,757,893 
