Maldives real estate, reported from the ground: developments, developers, prices, rules, and the homes behind them.
topic
Everything the desk has published under “explainer”.
Rules & rates
The Pension Office does not pay out pension savings for housing. It lets members pledge them as collateral, in place of a cash down payment, and the money keeps earning. Why the scheme is built that way, and what it means for your retirement.
Rules & rates
Under the Pension Office's housing scheme, a lender must sell the home first. Your pledged pension is used only if the sale does not clear the loan. The order of events, a worked example, and what to do before it comes to that.
Rules & rates
The Maldives Pension Administration Office's Dhivehi leaflet on using pension savings to buy a home sets out the whole scheme on four pages: who qualifies, how much you can pledge at each age, which homes count, the five lenders, the three steps and what happens to your money. Here it is in English, section by section.
Rules & rates
Pension savings pledged for a home are not frozen in place: they stay invested, or the lender pays returns on them, and come back to your account when the loan is repaid. How the returns work, what the MRPS invests in, and what it costs.
