Financial Preparation

• Determine your total investment budget (property + transaction costs + reserves)
• Establish a currency exchange strategy (MZN is volatile against USD)
• Research historical USD/MZN exchange rates to identify favorable timing
• Set up international wire transfer capabilities with your home bank
• Consider opening a local bank account (requirements vary by bank)
• Evaluate tax implications in both Mozambique and your home country
• Plan for cash reserves (mortgage financing is limited for foreigners)
• Budget for higher-than-expected costs and contingencies (15-20% minimum)

Market Research

• Identify target cities based on investment goals and risk tolerance
• Research neighborhood-specific safety, infrastructure, and amenities
• Join online forums for expatriates in Mozambique
• Subscribe to local business publications (Club of Mozambique, Savana)
• Analyze infrastructure projects and development zones
• Research tenant demographics and rental demand in target areas
• Plan a preliminary market visit (critical in Mozambique)
• Evaluate security situation in your target region
• Assess utilities reliability (water, electricity, internet)

Professional Network Development

• Connect with lawyers specializing in Mozambican real estate and DUAT processes
• Identify reputable real estate agencies with experience helping foreigners
• Research property management companies in your target market
• Establish contact with currency exchange specialists
• Find a Mozambican accountant familiar with foreign investor concerns
• Connect with the local expat community for recommendations
• Engage with your country’s embassy or consulate in Mozambique
• Network with industry associations (CTA – Confederation of Business Associations)
• Consider joining a chamber of commerce (American, European, etc.)

Expert Tip: The Mozambican property market has strong seasonality, with December to March being the rainy season when travel can be difficult in some areas. The best time for property viewing trips is May to October, when weather is dry and pleasant. Additionally, many businesses slow down significantly during the December holiday period and around Easter, so schedule important meetings and property viewings outside these times for maximum efficiency.

Recent Regulatory Change: Mozambique has been modernizing its business registration procedures through the “eBAÚ” one-stop shop system. This has reduced company formation time from several months to approximately 10-15 business days. However, foreign investors still face additional verification steps and should budget at least 30-45 days for complete company setup. New anti-money laundering regulations introduced in 2023 have also increased documentation requirements for beneficial owners of companies investing in real estate.

Banking Setup

• Local Bank Account Options:
  • Major local banks: BIM (Millennium BIM), BCI, Standard Bank, Absa
  • Account types: Foreign currency accounts (USD, EUR) and local currency (MZN)
  • Foreign investor accounts: Special services at select branches in major cities
  • Digital banking: Limited compared to North American standards
• Typical Requirements:
  • Passport and second form of identification
  • Proof of address (local and in home country)
  • Tax identification number (NUIT) – must obtain locally
  • Reference letter from existing bank
  • Source of funds documentation
  • In-person application at the branch
  • For companies: corporate documents, shareholder information
• Banking Challenges:
  • High account maintenance fees
  • Limited international transfer services
  • Restrictions on currency conversion amounts
  • Central bank approval for larger transfers
  • Documentation requirements for international transfers
  • Limited correspondent banking relationships

Financing Options

Mortgage financing is extremely limited in Mozambique, particularly for foreign investors:

1. Local Bank Mortgages:
   • Availability: Very limited, primarily for local residents with extensive banking history
   • Deposit Requirements: 30-50% for citizens, often unavailable to non-residents
   • Interest Rates: 15-25% for MZN loans, potentially lower for USD loans if available
   • Terms: Typically 10-15 years maximum
   • Documentation: Extensive, including historical income in Mozambique
2. Seller Financing:
   • Sometimes available from developers or motivated sellers
   • Terms negotiated directly, typically shorter (3-5 years)
   • Higher interest rates than North American seller financing
   • May require substantial down payment (40-50%)
3. Home Country Financing:
   • Refinancing existing properties in North America
   • Home equity lines of credit (HELOCs)
   • Personal loans or investment credit lines
   • Often the most viable option for foreign investors
4. Developer Payment Plans:
   • Available for new construction or pre-construction
   • Typically require 30-50% upfront
   • Construction-linked payment schedules
   • Limited legal protections compared to escrow systems

Most foreign investors in Mozambican real estate utilize cash purchases due to financing limitations. Given the challenges of obtaining local financing, securing funds before entering the market is strongly recommended.

Currency Management

The Mozambican Metical (MZN) can be volatile against major currencies, creating both risks and opportunities:

• Exchange Rate Considerations:
  • Historical volatility of MZN against USD/CAD
  • Central bank interventions affect exchange rates
  • Inflation differential impacts real returns
  • Official vs. market rates can sometimes diverge
• Currency Transfer Strategies:
  • International money transfer services offer better rates than banks
  • Central bank reporting required for transfers over $5,000 equivalent
  • Property transactions are often USD-denominated but settled in MZN
  • Proper documentation of fund origin is essential
• Income Repatriation:
  • Foreign investors can repatriate rental income after tax compliance
  • Documentation of original investment is crucial for later repatriation
  • Currency conversion limits may apply
  • Central bank approval process can take 2-4 weeks

Currency management is a critical aspect of investment returns in Mozambique. The metical has experienced periods of significant depreciation, which can erode returns when measured in USD or CAD. However, this same volatility can create opportunities when investing during favorable exchange rate periods. Maintaining both MZN and USD accounts locally can provide flexibility in managing currency exposure.

Property Search Resources

• Online Property Portals:
  • Moz-Imoveis – Largest local property portal
  • Imovirtual – Portuguese-based platform with Mozambican listings
  • Expat.com – Expat-focused listings
  • Facebook groups for property in specific cities
• Real Estate Agencies:
  • International agencies: Century 21, RE/MAX (limited presence)
  • Local agencies: Domus, Prime Property, Casa Moz
  • Specialized expat property services (mainly in Maputo)
  • Note: Agent exclusivity is uncommon, so properties may be listed by multiple agents
• Developer Direct:
  • New residential developments in urban centers
  • Commercial and retail space in growing business districts
  • Coastal resort developments in tourism zones
• Networking Channels:
  • Expatriate community groups and forums
  • Chamber of commerce connections
  • Embassy property networks for foreign nationals
  • Local business associations

The Mozambican property market lacks the transparency and organization found in North America. Many properties, especially premium options, are marketed through word-of-mouth and personal networks rather than public listings. Building relationships with well-connected local agents is essential for accessing the full market.

Property Viewing Trip Planning

Given the challenges of remote property evaluation in Mozambique, an in-person trip is essential:

1. Pre-Trip Research:
   • Identify target areas and property types
   • Make agent connections before arrival
   • Request property options in advance
   • Verify visa requirements (business visa recommended)
   • Arrange secure accommodation in central locations
   • Schedule meetings with legal advisors and bankers
2. Trip Logistics:
   • Plan at least 10-14 days for a thorough property search
   • Hire a trusted local driver or use vetted transportation services
   • Consider security precautions, especially in unfamiliar areas
   • Schedule viewings during daylight hours
   • Bring USD cash for incidental expenses (limited card acceptance)
3. During Viewings:
   • Take detailed photos and videos of properties and surroundings
   • Visit properties at different times of day to assess noise, traffic, power reliability
   • Check mobile signal and internet connectivity on site
   • Ask about water pressure and backup systems (tanks, generators)
   • Note proximity to schools, markets, healthcare facilities
   • Assess security features and neighborhood safety
4. Local Intelligence Gathering:
   • Meet with expatriates and long-term residents
   • Visit local neighborhood establishments
   • Speak with potential property managers
   • Consult with embassy or consulate commercial sections
   • Meet with local business associations

Unlike North America, much of the property information in Mozambique is not accurately represented online. Photos may be outdated, amenities may be exaggerated, and neighborhood characteristics are rarely well-documented. In-person verification is not merely helpful but essential for informed decision-making.

Property Evaluation Criteria

Assess potential investments using these key criteria specific to Mozambique:

• Location Factors:
  • Proximity to major employment centers
  • Road quality and traffic conditions
  • Security situation and controlled access
  • Distance to reliable shopping and healthcare
  • Elevation (flood risk during rainy season)
  • Proximity to diplomatic and expatriate areas
• Building Quality:
  • Construction standards and materials
  • Age and condition of structure
  • Water storage and filtration systems
  • Backup power systems (generator, inverter, solar)
  • Security features (walls, gates, guards)
  • Window quality and mosquito protection
  • Mold and water damage assessment (critical in tropical climate)
• Rental Potential:
  • Appeal to expatriate and corporate tenants
  • Proximity to embassies, NGOs, and international organizations
  • Historical occupancy rates in the area
  • Comparable rental properties and rates
  • Potential tenant pool (expatriates, professionals, local market)
  • Lease terms common in the area
• Financial Considerations:
  • Price comparison with similar properties
  • Potential for currency-denominated rental income (USD)
  • Utility costs and reliability
  • Maintenance requirements in tropical climate
  • Security costs (guards, systems)
  • Property management fees (higher than North America)

Expert Tip: In Mozambique, utility infrastructure reliability varies dramatically by neighborhood and even street. During property evaluation, speak with neighbors about frequency of water shortages and power outages. Properties with water tanks, backup generators or solar systems, and inverters command premium prices but deliver significantly better rental returns due to tenant preference for uninterrupted services. These features should be independently verified during inspection – don’t rely on seller or agent claims about backup systems.

Legal Due Diligence

• ✓
  DUAT Verification: Confirm land use rights status, term, and conditions
• ✓
  Property Registration: Verify at Property Registry (Conservatória do Registo Predial)
• ✓
  Tax Clearance: Confirm property tax payments are current
• ✓
  Municipal Permits: Check for building permits and certificates of habitability
• ✓
  Boundary Verification: Compare cadastral documents with physical boundaries
• ✓
  Zoning Compliance: Verify permitted uses under current zoning
• ✓
  Utility Connections: Confirm legal connections for water and electricity
• ✓
  Encumbrances Check: Identify any liens, mortgages, or claims on the property
• ✓
  Seller Verification: Confirm seller’s legal authority to transfer property

Physical Due Diligence

• ✓
  Structural Inspection: Hire qualified engineer for comprehensive assessment
• ✓
  Water Systems: Test water quality, pressure, and storage capacity
• ✓
  Electrical Systems: Verify wiring, capacity, and backup systems
• ✓
  Drainage Assessment: Evaluate flood risk during rainy season
• ✓
  Termite and Pest Inspection: Critical in tropical climate
• ✓
  Security Features: Evaluate walls, gates, security systems
• ✓
  Internet Connectivity: Test speeds and reliability on site
• ✓
  Environmental Assessment: Check for contamination, erosion, or flooding history

Financial Due Diligence

• ✓
  Comparative Market Analysis: Verify price against recent comparable sales
• ✓
  Rental Market Assessment: Confirm realistic rental expectations
• ✓
  Operating Cost Verification: Research actual utility, maintenance, and security costs
• ✓
  Tax Calculation: Determine property tax, transfer tax, and income tax liabilities
• ✓
  Currency Risk Assessment: Evaluate MZN/USD exchange rate trends
• ✓
  Insurance Cost Research: Obtain quotes for property, liability, and political risk insurance
• ✓
  Exit Strategy Analysis: Research historical resale timeframes and liquidity

Expert Tip: In Mozambique, land claims can be particularly complex due to the dual system of formal and customary land rights. Even with proper DUAT documentation, local community claims may exist on undeveloped land. For any property outside established urban areas or for larger parcels, conduct community consultations to identify any informal claims or expectations. These are often not recorded in official documentation but can create significant conflicts if not addressed proactively. Hiring a local liaison to facilitate these discussions can be invaluable.

Offer and Negotiation

1. Initial Offer: Typically made verbally through real estate agent
2. Negotiation: Price, payment terms, and included items
3. Preliminary Agreement: Often signed after verbal agreement
4. Deposit: 10-20% typically paid to secure the property

Unlike North America, there is often significant flexibility in negotiations, with price reductions of 10-20% achievable in many cases. The property market lacks transparency, so determining fair value requires extensive research and comparison. Agents typically represent sellers, and buyers’ agents are uncommon. Payment terms are highly negotiable, especially for properties that have been on the market for extended periods.

Legal Process

1. Engage Legal Representative: Mozambican lawyer specializing in real estate
2. Due Diligence Phase:
   • Property registry verification
   • DUAT certification review
   • Tax clearance confirmation
   • Encumbrance search
3. Contract Preparation:
   • Promissory purchase agreement (Contrato Promessa de Compra e Venda)
   • Specifies price, terms, conditions, and timeframes
   • Details any contingencies or requirements
4. Payment Structure:
   • Deposit upon signing promissory agreement (10-20%)
   • Balance typically due at final deed signing
   • Consider escrow arrangements for buyer protection
5. Public Deed:
   • Executed before a notary public
   • Required for property transfer legality
   • Both parties must be present or represented by power of attorney
6. Registration:
   • Property transfer registered with Property Registry
   • DUAT transfer processed through relevant land authorities
   • Tax authorities notified of ownership change
7. Utility Transfers:
   • Electricity, water, and other service transfers
   • Often requires in-person visits to utility companies

The timeframe from offer acceptance to completion typically ranges from 60-120 days, significantly longer than in North America. Delays are common due to bureaucratic processes and documentation requirements. Foreign buyers should be prepared for a more protracted timeline and build flexibility into their plans.

Transaction Costs

Budget for these typical transaction expenses:

• Property Transfer Tax (SISA):
  • 2% of declared property value
  • Payable by buyer before deed signing
  • Based on official valuation or purchase price (whichever is higher)
• Stamp Duty: 0.2-0.4% of property value
• Notary Fees: 0.2-0.4% of property value
• Registration Fees: 0.8% of property value
• Legal Fees: 1-3% of property value for attorney services
• Real Estate Agent Commission: 5-10% (typically paid by seller but may be negotiated)
• Property Inspection: $500-1,500 depending on property size and complexity
• DUAT Transfer Fees: Varies based on size and location ($300-2,000)
• Translation Services: $200-500 for document translation
• Foreign Exchange Costs: 1-3% depending on transfer method and amount

Total transaction costs for foreign investors typically range from 5-10% of the purchase price. These costs are significantly higher than in many other markets and should be factored into overall investment calculations. Currency conversion fees can be substantial, and wire transfer delays of 5-10 business days are common for international payments.

Expert Tip: The absence of reliable escrow services in Mozambique creates significant payment security challenges. To mitigate risks, consider using a phased payment structure with clearly defined milestones verified by your legal representative before releasing funds. For larger transactions, international bank guarantees or the services of your embassy’s notarial section can provide additional security. Avoid large cash transactions despite their common usage in the local market – they create security risks and complicate proof of payment documentation that may be needed later for repatriation of capital.

Administrative Tasks

• ✓
  Property Tax Registration: Register with local tax authorities for annual property tax (IPRA)
• ✓
  Utility Transfers: Register accounts for electricity (EDM), water (FIPAG/AdeM), and waste services
• ✓
  Municipality Registration: Register with local municipal authorities
• ✓
  Investment Registration: Register with Central Bank if repatriation of capital will be needed later
• ✓
  DUAT Compliance: Understand and fulfill any development obligations in DUAT terms
• ✓
  Insurance Procurement: Arrange property, liability, and sometimes political risk insurance
• ✓
  Security Arrangements: Set up security services if needed (common in larger properties)

Regulatory Compliance

Rental properties in Mozambique must comply with several regulations:

• Licensing Requirements:
  • Tourism license for short-term rentals or holiday properties
  • Rental activity registration with tax authorities
  • Residential lease registration with municipality
• Tenant Documentation:
  • Foreign tenants must provide visa and residence documentation
  • Lease agreements must follow specific format requirements
  • Registration of foreign tenants with local authorities may be required
• Health and Safety:
  • Basic safety standards for electrical and water systems
  • Fire safety equipment in multi-unit buildings
  • Compliance with habitability standards
• Foreign Exchange Compliance:
  • Registration of USD-denominated rental contracts
  • Compliance with currency conversion regulations
  • Banking of rental income according to regulations

Mozambique’s regulatory environment is less structured than North America’s, with enforcement varying significantly by location and property type. High-end properties and those catering to expatriates often face greater scrutiny. Working with a knowledgeable property manager can help navigate these requirements effectively.

Record Keeping

Maintain comprehensive records for tax and legal purposes:

• Property Documents:
  • Original deed and DUAT certificate (keep notarized copies)
  • Property registration certificates
  • Tax payment receipts
  • Insurance policies and payment receipts
  • Property inspection reports
• Financial Records:
  • All purchase transaction documents and bank transfers
  • Currency exchange documentation
  • Renovation and maintenance expense receipts
  • Utility payments and property tax receipts
  • Rental income records (critical for tax compliance)
• Compliance Documentation:
  • Central Bank registrations and approvals
  • Tax authority registrations and filings
  • Municipal permits and licenses
  • Correspondence with government authorities
• Tenant Information:
  • Lease agreements (properly executed)
  • Tenant identification and visa documentation
  • Proof of rental payments
  • Property condition reports (before and after tenancy)
  • Maintenance request records

Record keeping is particularly important in Mozambique, where documentation may be requested months or years after transactions. Keep copies of all records in both physical and digital formats, with backups stored securely outside the country. Complete documentation is essential for eventual capital repatriation, tax compliance, and property resale.

Expert Tip: For foreign investors managing Mozambican property remotely, consider establishing a power of attorney (procuração) for a trusted local representative. This legal instrument can authorize your representative to handle various administrative matters including tax filings, utility management, and government registrations without requiring your physical presence. The power of attorney can be limited in scope and duration to match your comfort level. Have it prepared by a qualified Mozambican lawyer, notarized, and possibly apostilled depending on your home country.

Mozambican Tax Obligations

• Property Transfer Tax (SISA):
  • 2% of property value paid at acquisition
  • Payable before deed execution
  • Based on fiscal value or declared price, whichever is higher
• Annual Property Tax (IPRA):
  • 0.4% of property value for residential properties
  • 0.7% for commercial properties
  • Payable annually to local municipality
  • Some exemptions for new properties in the first few years
• Income Tax on Rental Income:
  • Progressive rates from 10-32% based on income level
  • Deductions available for maintenance, management, and certain expenses
  • 10-20% withholding may apply to payments to non-residents
  • Annual tax returns required (March filing deadline)
• Capital Gains Tax:
  • Subject to standard income tax rates (up to 32%)
  • Some reduction coefficients apply based on holding period
  • Foreigners taxed on Mozambican property gains
  • Payment due at time of sale
• Stamp Duty:
  • 0.2% on property transactions
  • 0.2% on mortgage registration
  • 2% on certain lease agreements
• VAT (IVA):
  • 17% standard rate
  • Applies to some property management services
  • Some rental properties may require VAT registration

Home Country Tax Obligations

There is no comprehensive tax treaty between Mozambique and either the United States or Canada, which can create complexities in tax treatment. Consultation with tax professionals experienced in both jurisdictions is strongly recommended to avoid double taxation issues and ensure compliance with all reporting requirements.

Tax Planning Strategies

• Entity Structure: Evaluate whether personal ownership or company structure optimizes tax position
• Property Classification: Residential vs. commercial classification impacts tax rates
• Expense Documentation: Maintain meticulous records of all deductible expenses
• Lease Structure: Consider tax implications of different lease arrangements
• Depreciation Planning: Utilize available depreciation allowances
• Reinvestment Provisions: Some capital gains tax relief may be available for reinvestment
• Foreign Exchange Planning: Timing of conversions between MZN and USD/CAD
• Exit Strategy Timing: Consider tax year timing for property sales

Mozambican tax rules change with some frequency, often with limited clarity during transition periods. Regular consultations with Mozambican tax professionals are essential to ensure continued compliance and optimal structuring. The tax authority (Autoridade Tributária de Moçambique) has been increasing enforcement efforts, particularly for high-value properties and foreign owners.

Expert Tip: For USD-denominated rental income (common with expatriate tenants), maintain clear documentation of the official exchange rates used for tax calculations. Mozambican tax authorities require rental income to be declared in local currency (MZN), even when contracts are in USD. Exchange rate fluctuations can create significant differences in taxable income calculations. Consider working with a Mozambican accountant who specializes in handling foreign currency transactions to ensure proper documentation and calculation methodologies that will withstand tax authority scrutiny.

Selecting a Property Manager

Evaluate potential property managers using these criteria:

• Experience with Foreign Investors:
  • Track record managing properties for non-resident owners
  • Understanding of foreign exchange issues
  • Experience with expatriate tenant market
  • Ability to communicate in English
• Local Market Knowledge:
  • Understanding of local rental market trends
  • Experience in your specific neighborhood
  • Connections with quality maintenance providers
  • Knowledge of local regulations and requirements
• Communication Systems:
  • Regular reporting protocols
  • International communication capabilities
  • Response time guarantees
  • Digital documentation and sharing systems
• Financial Management:
  • Transparent accounting practices
  • Separate client accounts for funds
  • International payment options
  • Tax documentation assistance
• Maintenance Capabilities:
  • In-house maintenance team or reliable contractors
  • Emergency response procedures
  • Preventative maintenance programs
  • Cost-effective solutions appropriate to the market

Management Agreement Essentials

Ensure your property management contract includes these key elements:

• Scope of Services: Detailed description of exactly what is included and excluded
• Fee Structure: Clear explanation of all management fees, commissions, and additional charges
• Term and Termination: Contract duration and notice periods for cancellation
• Financial Reporting: Frequency and format of financial statements
• Maintenance Authorization: Spending limits requiring owner approval
• Tenant Selection Criteria: Standards for approving prospective tenants
• Security Measures: Protocols for property security
• Insurance Requirements: Coverage expectations for both parties
• Communication Protocol: Expectations for regular updates and emergency notifications
• Dispute Resolution: Process for handling disagreements
• Local Compliance: Responsibility for regulatory adherence

Property management in Mozambique is less regulated than in North America, making a detailed contract particularly important. Ensure all terms are clearly defined and that responsibilities are explicitly assigned, especially for maintenance, security, and compliance matters. Consider including an international arbitration clause for dispute resolution.

Expert Tip: In Mozambique, effective property management extends beyond typical North American services to include security management, backup systems oversight (generators, water pumps), and sometimes staff supervision (guards, gardeners, housekeepers). When interviewing property managers, ask specifically about their protocols for power outages, water shortages, security incidents, and staff management. The best managers have established contingency plans for these common challenges and can demonstrate systematic approaches rather than ad-hoc solutions. Consider including performance standards for these aspects in your management agreement.

Exit Options

Sale Process

When selling your Mozambican property:

1. Pre-Sale Preparation:
   • Property improvements and presentation
   • Document organization (title documents, tax receipts, etc.)
   • DUAT verification and update if needed
   • Professional photography and marketing materials
2. Agent Selection:
   • Experience with similar properties and foreign sellers
   • Marketing strategy for target buyer demographic
   • International marketing capabilities for higher-end properties
   • Realistic valuation assessment
3. Pricing Strategy:
   • Comparative market analysis
   • Currency considerations (USD vs. MZN pricing)
   • Consideration of included furnishings/equipment
   • Value of remaining DUAT term
4. Marketing Period:
   • Typically longer than North American markets (3-18 months)
   • Targeted marketing to expatriate communities
   • International listing platforms for premium properties
   • Regular price evaluation and potential adjustments
5. Negotiation & Agreement:
   • Promissory purchase contract drafting
   • Payment terms negotiation (especially important given limited financing)
   • Due diligence period management
   • Deposit security arrangements
6. Closing Process:
   • Transfer tax payment by buyer
   • Public deed execution
   • Registration of property transfer
   • DUAT transfer processing
7. Post-Sale Requirements:
   • Capital gains tax filing and payment
   • Currency repatriation approval from Central Bank
   • Currency conversion and international transfer
   • Tax filings in home country

The Mozambican property selling process is typically slower and less structured than in North America. Marketing periods are longer, buyer financing is limited, and bureaucratic processes can extend the closing timeline. Building flexibility into your exit strategy timeline is essential.

Market Exit Timing Considerations

Several factors should influence your exit timing decision:

• Economic Cycle Positioning: Mozambique’s property market is significantly influenced by resource development cycles, infrastructure projects, and foreign investment trends
• Political Stability: Electoral cycles and governance changes can impact market sentiment and foreign investor confidence
• Currency Exchange Rates: MZN/USD or MZN/CAD fluctuations can dramatically affect returns when converting back to home currency
• Infrastructure Developments: Completion of major infrastructure near your property can create value catalysts
• Resource Project Timelines: LNG and other resource development phases impact demand in certain regions
• Seasonal Factors: Property marketing is more effective during dry season (May-October) when access and visibility are optimal
• Tax Considerations: Timing sales across tax years in both Mozambique and home country can optimize tax position
• Buyer Market Cycles: Expatriate assignment cycles often peak in August-September and January-February

The Mozambican property market is more volatile than established markets in North America and Europe. This creates both challenges and opportunities for exit timing. Investors who can maintain flexibility in their exit timeline will be best positioned to maximize returns by aligning with favorable market conditions.

Expert Tip: For higher-value properties in Mozambique, consider a dual-currency sale strategy. By offering the property at equivalent prices in both USD and MZN, you can appeal to different buyer segments. Local buyers often prefer MZN transactions, while international purchasers typically prefer USD. Furthermore, offering reasonable seller financing terms (30-50% down payment with 2-3 year financing) can significantly expand your buyer pool in a market where conventional mortgages are limited. Just ensure proper security instruments are in place, preferably with the property as collateral until full payment is received.