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How to make a good property investment in Maputo

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property investment Maputo

Yes, the analysis of Maputo's property market is included in our pack

Maputo, the capital of Mozambique, is a city with real estate investment opportunities in Southern Africa. Explore the potential for investment in this coastal African city known for its cultural diversity and economic activity.

How is the real estate market there? Are prices going up or going down? Do people make profits on their real estate investments? What about the rental demand?

We'll answer all these questions for you! When building and updating our property pack for Mozambique, our team has been researching and surveying this area. Actually, lots of customers are interested in investing there. So we thought it would be a good idea to add some information about it in our pack.

Investing in real estate in Maputo

Is Maputo an attractive destination for property investment?

Maputo, the capital city of Mozambique, has become an attractive destination for property investment for several reasons.

Its coastal location, cultural vibrancy, and economic growth potential are key factors that draw investors to the city. The real estate market in Maputo is dynamic, with a growing demand for both residential and commercial properties. This is evidenced by the increasing number of construction projects and the entry of international hotel chains, which signify investor confidence in the market.

Historically, the real estate market in Maputo has seen periods of growth, particularly after the end of the civil war in 1992, when Mozambique transitioned to a more stable and open economy.

However, like any market, it has also faced challenges. The 2008 global financial crisis, for example, affected economies worldwide, and Mozambique was no exception. Despite such setbacks, the market has shown resilience, and property values have generally trended upwards over the long term.

Investments in Maputo's real estate market tend to perform well when they are strategically located and cater to the needs of the growing middle class or the expatriate community. Properties in the city center or along the coastline, such as luxury apartments, gated communities, and commercial real estate, are particularly popular. Budgets can vary widely, but there is a notable demand for high-end properties, which offer modern amenities and security features.

One very specific and positive aspect of properties in Maputo is the integration of Portuguese colonial architecture with modern designs. This creates a unique aesthetic appeal that is not only attractive to residents and investors but also contributes to the city's cultural heritage and tourism appeal.

When it comes to the safety of investing in traditional places like Maputo, it is important to consider the political and economic stability of Mozambique. While there have been periods of uncertainty, the country has been relatively stable in recent years, and the government has been making efforts to attract foreign investment through various reforms and incentives.

Understanding the local language, Portuguese, can be beneficial when investing in Maputo, but it is not an absolute necessity. Many business transactions can be conducted in English, and there are professionals, such as real estate agents and lawyers, who can provide assistance in multiple languages.

However, having some knowledge of Portuguese can certainly facilitate smoother interactions and negotiations, and it may also help in understanding the local market and culture more deeply.

What are the trends forecasts for the real estate market in Maputo?

These last years, the housing market in Maputo has been experiencing a period of adjustment after a boom driven by foreign investment and the discovery of natural resources like gas.

The market had seen a surge in construction, with a focus on high-end residential properties and commercial spaces to cater to expatriates and the growing middle class.

However, the market has also faced challenges. The economic downturn, fluctuating commodity prices, and political instability have impacted the real estate sector. The demand for luxury properties has slowed, leading to a surplus in some segments of the market. This has caused developers to shift their focus towards more affordable housing options to meet the needs of the local population.

Looking ahead, the real estate market in Maputo could see growth if certain conditions are met. The ongoing development of the gas sector could attract more foreign investment and skilled workers, potentially increasing the demand for housing. If the government continues to invest in infrastructure and maintains political stability, this could also boost investor confidence and stimulate the real estate market.

Political and economic changes are crucial factors that could impact property investments in Maputo.

For instance, changes in fiscal policies, such as adjustments to property taxes or land use regulations, could either encourage or deter investment.

Additionally, Mozambique's relationship with foreign investors and international financial institutions could influence the flow of capital into the real estate sector.

Upcoming legislation or government policies can significantly affect the real estate market.

For example, policies aimed at improving the ease of doing business, such as streamlining the process for property registration and reducing bureaucracy, could attract more investors.

On the other hand, if the government were to introduce restrictive foreign ownership laws or increase property taxes, this could have a cooling effect on the market.

It's important to keep an eye on the macroeconomic indicators and political climate, as these will provide clues about the direction of the real estate market in Maputo. The market's potential to go up hinges on a combination of improved economic conditions, political stability, and targeted policies that support sustainable development in the housing sector.

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buying property in Maputo

What types of property can you buy in Maputo? What are the prices and yields?

If you need a detailed and updated analysis of the prices, rents and yields, you can get our full guide about real estate investment in Mozambique.

When considering investing in property in Maputo, Mozambique, you have a variety of options to choose from.

The real estate market in Maputo includes residential properties such as apartments, houses, and luxury villas, as well as commercial properties like office spaces and retail outlets. You can also find land available for development, which opens up the possibility of building a property tailored to your investment goals.

Building a property in Maputo is certainly doable, but it requires a good understanding of the local real estate laws, construction costs, and the process of obtaining necessary permits. It's important to work with reputable local professionals, including real estate agents, lawyers, and architects, to navigate the complexities of property development in Mozambique.

The average cost of residential properties in Maputo can vary widely based on location, size, and amenities. As an estimate, you might find apartments ranging from $100,000 to $500,000 or more, while houses could range from $200,000 to over $1 million, depending on the factors mentioned. These numbers are rough estimates and can fluctuate based on market conditions and specific neighborhoods.

In Maputo, as in many cities, there is a mix of renters and owners. The ratio can shift depending on economic factors and housing availability. Many people do buy properties with the intention of letting them out. The rental yield potential can be attractive, particularly in desirable neighborhoods or areas with high demand for housing. Rental demand in Maputo is influenced by various factors, including the presence of international organizations, expatriates, and local professionals seeking quality housing.

Tourism can have a significant impact on the property market, especially for short-term rental demand. Properties in locations popular with tourists may have higher rental yields due to the demand for short-term accommodations. This can lead to increased pricing for both rentals and property sales in these areas.

Reselling property in Maputo can be straightforward if the property is desirable and well-maintained, and if you have all the legal paperwork in order.

However, the ease of resale can also depend on market conditions at the time you decide to sell. The typical holding period for property investments can range from a few years to several decades, depending on the investor's strategy and market dynamics.

Capital gains prospects are harder to predict and can vary greatly. Factors such as the overall economic health of Mozambique, changes in property laws, and infrastructure developments can all influence capital gains. It's wise to approach property investment with a long-term perspective and to be prepared for the possibility of both high returns and periods of stagnation.

Which areas in Maputo offer the best investment opportunities?

When looking at property in Maputo, foreigners often gravitate towards areas that offer a combination of security, amenities, and accessibility.

One of the primary reasons for purchasing property in Maputo is for investment purposes, as Mozambique's economy has been growing and urbanization is increasing.

Additionally, some foreigners buy property for personal use, either as a residence if they are expatriates working in Mozambique or as a holiday home given the country's beautiful coastline.

Foreigners who are attracted to Maputo's real estate market typically include expatriates working for international organizations, NGOs, embassies, or in sectors like oil and gas, as well as South African investors and retirees who appreciate the proximity to South Africa.

In terms of neighborhoods, areas such as Sommerschield, Polana Cimento, and Costa do Sol have traditionally been popular among well-to-do locals and expatriates. These areas are known for their upscale properties, proximity to international schools, embassies, and shopping centers, as well as their relative safety and well-maintained infrastructure.

For those looking for budget-friendly options that still offer investment potential, neighborhoods like Matola and Zimpeto are becoming increasingly attractive. These areas are more affordable and have been experiencing growth due to their proximity to industrial zones and the expansion of the city. They offer a good balance for those looking to invest without the high price tag of the more established expat areas.

Trending neighborhoods that are becoming more popular include new developments along the coast, north of the city, where there is potential for both residential and tourism-related property growth. These areas are attracting attention due to their natural beauty, potential for development, and relatively lower land costs.

The pros of investing in upscale neighborhoods like Sommerschield and Polana Cimento include established infrastructure, a sense of community among expatriates, and higher rental yields due to demand from well-paid professionals.

However, the cons are the high entry price for property and the potential for slower appreciation in already well-developed areas.

On the other hand, investing in up-and-coming areas like Matola and Zimpeto could offer higher long-term growth potential as the city expands and infrastructure improves. The downside might be a current lack of amenities and a longer timeframe before seeing significant returns on investment.

Looking to the future, areas that have room for expansion and are currently underdeveloped could see an increase in property prices and rental demand. This could be driven by continued economic growth, infrastructure projects, and an increase in foreign direct investment. Coastal areas north of Maputo, with their potential for tourism and leisure development, could also see significant growth.

Regions to avoid would typically be those with high crime rates, poor infrastructure, and lack of access to basic services.

Additionally, areas that are prone to flooding or other natural disasters should be approached with caution due to the potential for property damage and loss of value.

When considering investing in property in Maputo, you have to conduct thorough research, possibly engage with a reputable local real estate agent, and consider the long-term political and economic stability of Mozambique. As with any property investment, there are risks, and these should be carefully weighed against the potential for return on investment.

Here is a summary table to help you visualize better. If you need more detailed data and information, please check our property pack for Mozambique.

Area Attractions Pros Cons
Sommerschield, Polana Cimento Upscale properties, international schools, embassies, shopping centers, safety, infrastructure Established infrastructure, expatriate community, higher rental yields High entry price, potential for slower appreciation
Costa do Sol Upscale area, proximity to amenities, safety, infrastructure Attractive to well-to-do locals and expatriates Higher cost of living
Matola, Zimpeto Affordable, growth due to industrial zones, city expansion Higher long-term growth potential, more affordable Lack of amenities, longer timeframe for ROI
Coastal areas north of Maputo Natural beauty, potential for development, lower land costs Potential for residential and tourism growth Currently underdeveloped, infrastructure projects needed
Areas to avoid N/A N/A High crime rates, poor infrastructure, lack of services, natural disaster risks

Make sure you understand the real estate market in Maputo

Don't rush into buying the wrong property in Mozambique. Sit, relax and read our guide to avoid costly mistakes and make the best investment possible.

real estate market Maputo

Who can invest in real estate in Maputo?

Investing in property as a foreigner in Maputo

If you're considering investing in housing property in Maputo as a foreigner, you have to understand the nuances of property ownership in Mozambique.

Generally, the Mozambican law does not discriminate against foreigners in terms of property ownership; however, there are certain legal frameworks that you need to be aware of.

In Mozambique, land cannot be owned by anyone, whether local or foreign. The land is owned by the state. What can be owned, however, are the land use rights, known as "Direito de Uso e Aproveitamento de Terra" (DUAT). This right allows you to use the land for a specified purpose and duration, typically up to 50 years, with the possibility of renewal. As a foreigner, you can acquire DUAT if you have an investment project that contributes to the country's economic development.

When it comes to the property built on the land, foreigners can own buildings and apartments outright. There is no distinction based on your country of origin, but the process of acquiring property may require you to navigate through some bureaucratic procedures.

You don't necessarily need to live in Mozambique to purchase and own property, but having a local presence, either through a legal representative or by establishing a Mozambican company, can facilitate the process. While a tourist visa might be sufficient for the initial property search and purchase process, you would typically need a residence permit to ensure a smoother transaction and to establish utility services in your name.

Regarding the duration of ownership, there are no specific restrictions on how long a foreigner can own property in Mozambique. You can pass on the property to your heirs or sell it to another foreigner without additional restrictions, provided all legal procedures are followed and taxes are paid.

For the purchase process, you will need a Tax Identification Number (NUIT) from the Mozambican Tax Authority. This is essential for any property transaction.

Additionally, you may need to obtain specific authorizations from governmental institutions, depending on the nature and location of the property.

While it's not mandatory to have a local bank account, it is highly recommended for ease of transaction and to meet any financial requirements set by the Mozambican authorities. Payments for property are typically made in the local currency, the Mozambican Metical (MZN), and you have to comply with the country's foreign exchange regulations.

Foreigners are subject to the same tax rates as locals when it comes to property taxes. These include the Property Transfer Tax (SISA) on the acquisition of property and an annual Property Tax (IPRA) based on the property's fiscal value.

Residency in Maputo

Currently, Mozambique does not offer a direct citizenship-by-investment or residency-by-investment program similar to those found in some other countries.

However, owning property in Maputo or any other part of Mozambique can be part of a broader strategy to establish ties to the country, which may eventually support an application for residency.

To become a resident in Mozambique, you would typically need to apply for a residence permit. This process involves demonstrating a valid reason for residency, such as employment, investment, family reunification, or retirement. If you're looking to invest in real estate, you might qualify under the investment category, but this usually requires a significant investment in a business or economic activity, not just the purchase of property.

The exact steps for applying for residency would involve gathering the necessary documentation, which typically includes a valid passport, a visa appropriate to your situation (like a work or investment visa), proof of income or financial means, a criminal record check, and medical clearance. You would submit these documents to the Mozambican immigration authorities and await their decision.

The minimum investment required for residency as an investor is not fixed for real estate alone and would generally be part of a larger business investment. The requirements for such an investment are subject to change and would need to be clarified with the Mozambican authorities or a legal professional at the time of application.

The number of people who have used a real estate investment to gain residency in Mozambique is not readily available, as this is not a standard or promoted route to residency.

Residency permits in Mozambique can be temporary or permanent. Temporary permits are typically valid for one year and can be renewed. After a certain period of legal residency, which is usually five years, you may apply for permanent residency.

Permanent residency does not automatically lead to citizenship. To become a citizen of Mozambique, you would need to fulfill additional requirements, including a period of continuous residence, proficiency in Portuguese, and a clean criminal record, among others. The process of acquiring citizenship through naturalization can be complex and time-consuming.

It's important to note that immigration laws and policies can change, and the process can be nuanced and require a thorough understanding of the local legal system. Therefore, it's advisable to consult with a legal professional or an immigration expert who is up-to-date with the current laws and procedures in Mozambique to guide you through the process.

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How to get started to invest in real estate in Maputo?

What is the step-by-step process to buy property in Maputo?

We'll give her a brief overview. However, there is a detailed and dedicated document to the buying process in our property pack for Mozambique.

When you decide to buy a property in Maputo, the process begins with finding a house you like and making an offer.

Once your offer is accepted, you'll need to formalize the agreement, usually by signing a promissory contract (Contrato de Promessa de Compra e Venda) with the seller. This contract outlines the terms of the sale, including the price and the date by which the sale should be completed. At this stage, you'll typically pay a deposit, which is often around 10% of the purchase price.

Following this, you'll need to conduct due diligence to ensure the property is free of legal encumbrances and debts. This involves checking the property's title and its registration at the local land registry office (Conservatória do Registo de Imóveis). It's crucial to verify that the seller is the legitimate owner and that there are no outstanding taxes or liens on the property.

The next step is to prepare for the final deed (Escritura Pública de Compra e Venda), which is the official sale agreement. This document is signed in front of a notary and it's at this point that the balance of the purchase price is usually paid. The notary plays a key role in the process, ensuring that all legal requirements are met and that the transaction is properly recorded.

After the deed is signed, the new ownership must be registered at the land registry office. This is when you officially become the owner of the property. The entire process from making an offer to having full ownership can take several months, depending on how quickly each step is completed and whether there are any complications, such as issues with the property's title or delays in obtaining necessary documents.

One of the most complicated and error-prone steps can be the due diligence phase, as it involves a thorough investigation of the property's legal status. Any oversight here can lead to significant problems down the line.

Additionally, navigating the bureaucratic procedures for registration and notarization can be challenging, especially if you're unfamiliar with the local legal system or if there are language barriers.

While the process in Maputo is not drastically different from other countries, one unusual aspect might be the level of formality and the involvement of various bureaucratic steps, which can be more pronounced than in some other jurisdictions. The need for notarization and official registration is a common feature in many countries, but the specific procedures and requirements can vary.

The language barrier can be a significant obstacle if you're not fluent in Portuguese, which is the official language in Mozambique. Legal documents, negotiations, and official procedures will typically be conducted in Portuguese, so having a reliable translator or a local lawyer who can assist you is essential.

Cultural norms and practices in Maputo, as in any place, can impact the property buying process.

For instance, you have to build a good relationship with the seller and any intermediaries, as personal connections and trust can be crucial in ensuring a smooth transaction. Being respectful, patient, and understanding of local customs will go a long way in facilitating the process.

Looking for property in Maputo

Please note that there is a list of contacts (real estate agencies, lawyers, notaries, etc.) and websites in our property pack for Mozambique.

When you're looking to find a house in Maputo, you have several options at your disposal.

Many people start their search online, where housing portals are a popular choice. These websites compile listings from various sources, providing a broad range of options that you can filter by location, price, and other criteria. It's a convenient way to see what's available on the market from the comfort of your own home.

Real estate agents also play a significant role in the house-hunting process. They often have listings ready and can provide valuable local insights and advice. Working with a real estate agent can be particularly helpful if you're not familiar with the area or if you're looking for something specific. Agents can help you navigate the complexities of the local market, including legal and regulatory requirements.

Social media platforms and Facebook groups are another resource where people often post listings or ask for recommendations. These groups can be a good place to find deals that may not be listed on the larger platforms, and they can also provide a sense of the community in different parts of the city.

In terms of specific practices, it's not uncommon for people in Maputo to rely on word-of-mouth and personal networks. Friends, family, and colleagues can sometimes provide leads on available properties that haven't been widely advertised.

Regarding the reliability of real estate agents, as with anywhere, it varies. While many agents are professional and trustworthy, you have to be cautious. Red flags to watch out for include agents who are unwilling to provide references, those who pressure you to make quick decisions, or those who ask for fees upfront before providing any services. It's always a good idea to research an agent's reputation and ask for testimonials from previous clients.

Buyers can access property listings directly, but agents can offer a curated selection based on your needs and preferences. They can also provide insight into the listings, such as the pros and cons of a particular property or neighborhood.

In terms of the roles and responsibilities of buyer's and seller's agents, they are distinct. A seller's agent works on behalf of the seller to get the best possible price and terms for their client, while a buyer's agent represents the interests of the buyer, aiming to find the best property at the lowest price.

Commissions for real estate agents are not standardized and can vary. It's important to discuss fees and services upfront to understand what you're getting for your money. Typically, the seller pays the agent's commission, but this can be factored into the sale price of the house.

When it comes to negotiation strategies, it's beneficial to be well-informed about the local market. Understanding the average prices in the area where you're looking to buy can give you leverage in negotiations. Don't be afraid to ask questions and take your time to make decisions. A good real estate agent should be willing to support you through this process without making you feel rushed.

Remember, buying a house is a significant investment, and you have to be thorough in your search and in vetting the professionals you choose to work with. Take your time, do your due diligence, and don't hesitate to seek legal advice if you're unsure about any part of the process.

Buying property in Maputo

When you're looking to buy a house in Maputo, it's quite common for people to negotiate the price.

The amount you can negotiate off the selling price can vary widely depending on the property's location, condition, and how long it's been on the market. There's no set rule for how much to ask as a discount, but it's not unusual for buyers to start at around 10% below the asking price and then work from there.

Conducting due diligence is a critical step in the home-buying process. You'll want to ensure that the property you're interested in has a clear title, meaning there are no legal claims against it, such as liens or encumbrances. To conduct a title search, you would typically go to the local land registry office where property records are held. This can help you verify the seller's right to sell the property and check for any outstanding issues.

While it's not mandatory to hire a lawyer or a notary in Mozambique, it's highly recommended, especially if you're not familiar with the local real estate laws and processes. A lawyer can help you navigate the complexities of the transaction, conduct the due diligence, and ensure that all legal aspects of the purchase are handled correctly. The cost of hiring a lawyer can vary, but it's a worthwhile investment to protect your interests in the property.

As for the specific documents required, you'll need to obtain a few key pieces of paperwork. The seller should provide you with a "Certidão de Matrícula," which is the property registration document that proves ownership. You'll also need a "Certidão do Registo Predial," which is a land registry certificate showing the property's legal history and confirming that there are no encumbrances.

Additionally, you'll need to get a tax clearance certificate to ensure that all property taxes have been paid up to date.

Once you've completed your due diligence and are ready to proceed with the purchase, the transfer of property ownership is typically done through a public deed, which is signed in front of a notary. The notary will record the transaction and issue a new "Certidão de Matrícula" in your name. This document is then registered at the land registry office, officially transferring the ownership to you.

Remember, the process of buying a house involves many legal and administrative steps, and you have to be thorough and cautious. Working with a local real estate agent and a lawyer can help ensure that you understand all the requirements and that the transaction goes smoothly.

Make a profitable investment in Maputo

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buying property in Maputo

Financing a property acquisition in Maputo

If you're a foreign investor looking to finance property investments in Maputo, Mozambique, there are several factors to consider, including the financing process, costs, taxes, and additional fees.

Financing a property as a foreigner can be more challenging than for a local resident. Typically, foreign investors either bring in their own capital or secure financing from their home country or an international lender, as getting a loan from Mozambican banks can be difficult due to stringent lending criteria and higher interest rates for non-residents. Interest rates in Mozambique have historically been high compared to many Western countries, reflecting the greater risk perceived by lenders.

When it comes to the process of buying property, you would usually pay a deposit to secure the property once you have agreed on the price with the seller. This deposit is often a percentage of the total sale value, and while it can vary, it's not uncommon for it to be around 10% to 20%. The full price of the house is typically paid after the signing of the purchase agreement, and the payment terms should be clearly outlined in the contract.

Closing costs and fees associated with buying property in Maputo can include legal fees, notary fees, registration fees, and transfer taxes. These can add a significant amount to the overall cost of purchasing property. It's important to budget for these additional costs when planning your investment.

When buying a house in Maputo, you will also be subject to property transfer tax (SISA), which is generally around 2% of the property value. This tax is paid by the buyer and is due upon the acquisition of the property. On top of this, there is an annual property tax that is charged, which is relatively low compared to many other countries. The rate can vary depending on the type of property and its assessed value.

Capital gains tax is another consideration if you decide to sell the property in the future. The rate for capital gains tax can vary, and it's calculated based on the profit you make from the sale of the property. It's important to factor this into your investment calculations.

Additional fees might include costs for obtaining necessary documentation, such as a land use title (DUAT) which is essential for property ownership in Mozambique, and any fees for legal advice or services you may require during the purchase process.

Remember, the real estate market and regulations in Mozambique can be quite different from what you may be used to in your home country, so it's advisable to work with a local real estate agent and a lawyer who are familiar with the local market and legal requirements. They can help guide you through the process and ensure that all legalities are properly addressed.

What are the risks and pitfalls when buying property in Maputo?

When you're considering property investment in Maputo, you have to be aware of the risks that come with it, especially as a foreigner.

Property rights for foreigners in Mozambique are generally secure, but there are nuances that you should understand. Foreigners can't directly own land since all land in Mozambique is owned by the state, but you can obtain a land use right called "Direito de Uso e Aproveitamento de Terra" (DUAT). This right can last up to 50 years and is renewable.

One pitfall that often catches foreigners off guard is the bureaucratic process involved in acquiring and registering property. The process can be lengthy, and there may be unexpected costs or requirements. Another specific issue is the challenge of ensuring clear title to property. There have been instances where multiple parties claim ownership of the same piece of land, leading to legal disputes. It's crucial to conduct thorough due diligence and possibly engage a reputable local attorney to navigate these complexities.

Environmental risks do exist in Maputo, such as flooding, which can affect property values and lead to potential damage. While earthquakes are less of a concern, the implications of climate change, including rising sea levels and increased frequency of extreme weather events, could impact properties, especially those in coastal areas.

There aren't many well-documented case studies of foreign investment failures in Maputo's real estate market available in the public domain, but it's not uncommon to hear of projects that have faced significant delays or increased costs due to regulatory hurdles, land disputes, or infrastructure challenges.

Insurance is a critical consideration for protecting your investment. Options for property insurance are available in Mozambique, and it's advisable to get comprehensive coverage that includes protection against natural disasters. Liability concerns are also present, as in any property investment, and appropriate liability insurance should be considered to protect against any claims that may arise from third parties.

To mitigate these risks, investors should conduct extensive research, engage with local experts, and ensure they have a clear understanding of the legal and regulatory environment. It's also wise to build relationships with local partners who understand the market and can provide valuable insights.

In case of conflicts, Mozambique's legal system provides mechanisms for dispute resolution, including arbitration and the courts.

However, the reliability of these mechanisms can vary, and the legal process can be slow. It's important to have legal representation that is well-versed in Mozambican property law to navigate any disputes that may arise.

Make sure you understand the real estate market in Maputo

Don't rush into buying the wrong property in Mozambique. Sit, relax and read our guide to avoid costly mistakes and make the best investment possible.

real estate market Maputo

This article is for informational purposes only and should not be considered financial advice. Readers are advised to consult with a qualified professional before making any investment decisions. We do not assume any liability for actions taken based on the information provided.