Can foreign nationals take out mortgage loans in Braga?

Yes, non-residents can be issued a mortgage loan to buy property in Braga. Special terms of mortgage lending for non-residents — the loan term up to 75 years of age for the eldest borrower and a down payment of 40–50%. The mortgage rate is a floating one, of 3% for residential properties and 5% for the commercial ones.

How does the purchasing process take place when buying a house in Braga?

Before the purchase, it is necessary to hire a lawyer who would help you get the paperwork done. Having chosen the property, you need to open a local bank account and receive a tax identification number. First, a preliminary sales agreement is signed, a deposit equalling to 10–30% of the property value is placed, and the municipal taxes are paid. The deposit is non-refundable if the buyer decides not to purchase. All agreements ought to be notarised. Between signing the preliminary and main sales agreements, the lawyer completes the property Due Diligence and checks the availability of all the documents for the property. When signing the main agreement, the remaining transaction amount is paid, after which the property can be registered with the land registry office and a title deed can be obtained.

What property taxes are there in Portugal?

Property buyers pay a stamp duty (Imposto do Selo, IS) — 0,8% and a title deed transfer tax (Imposto Municipal sobre Transmissões, IMT) — 6,0 – 6,5%. After the purchase, an annual real estate tax (Imposto Municipal sobre os Imóveis, IMI) ranging from 0.3 to 0.8% across property types and municipalities, has to be paid. These three taxes — are everything that is paid by property owners. When selling real estate, non-resident owners pay the capital gain tax, chargeable from the difference between the purchase price and the sales price at a rate of 28%. The inheritance and gift taxes are not levied from spouses, children, parents and grandchildren, the other categories pay them at a rate of 10% (which is considered low).

How expensive are the utilities in Braga?

The utility costs vary across locations. For example, an average bill for an 50–60 m² house totals about € 100-130 per month.

How can a house buyer obtain Portuguese citizenship?

It is possible to apply for permanent residency after five years of residence in the country. After six years of residence it is possible to apply for citizenship. But these procedures are not interrelated. Holding a temporary residence or permanent residence permit does not lead to obtaining citizenship. Only following the rules of stay in the country (over 183 days per year for six years) can give hope for obtaining Portuguese citizenship.

Can foreign nationals lease houses in Portugal?

Yes, of course. The owner's right to administer their property is not limited in any way.

What types of Portuguese property are better to invest in for rental purposes?

The most suitable for rental purposes are the houses located in the resort areas, such as the Algarve, Faro, Lagos, on the entire southern coast and the capital of the country, Lisbon.

Why do I need to own a house in Portugal?

The Portuguese property market is one of the European real estate markets that have been growing most actively over the past few years. Therefore, real estate investments are very profitable in the country.

Houses for Sale in Braga, Buy Villa

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3-bedroom cottage 282 m² in Braga

Braga, Portugal

450,000 €

Total area 282 m² · Land area: 230 m² · 3 bedrooms · 3 bathrooms

Elvira Gracheva

Head of Sales Tranio Europe

Tranio Projects for Profitable Investments

Sourcing prime properties to match your goals, negotiating exclusive terms, delivering an independent investment analysis.

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Similar facilities nearby

Stylish four-level house just 800 meters from the beach, Matosinhos, Porto, Portugal

Porto (city), Porto, Portugal

875,000 €

Total area 248 m² · 4 bedrooms · 5 bathrooms

4-bedroom cottage 450 m² in Vila Nova de Gaia

Vila Nova de Gaia, Porto, Portugal

1,750,000 €

Total area 450 m² · Land area: 1,143 m² · 4 bedrooms · 4 bathrooms

Farm 5,188 m² in Vila do Conde

Vila do Conde, Porto, Portugal

4,750,000 €

Total area 937 m² · Land area: 5,188 m² · 10 bedrooms · 8 bathrooms

7-bedroom cottage 541 m² in Porto (city)

Porto (city), Porto, Portugal

750,000 €

Total area 541 m² · Land area: 5,000 m² · 7 bedrooms · 6 bathrooms

6-bedroom cottage 540 m² in Vila Nova de Gaia

Vila Nova de Gaia, Porto, Portugal

1,750,000 €

Total area 540 m² · Land area: 1,540 m² · 6 bedrooms · 7 bathrooms

3-bedroom cottage 269 m² in Porto (city)

Porto (city), Porto, Portugal

1,935,000 €

Total area 269 m² · Land area: 380 m² · 3 bedrooms · 3 bathrooms

3-bedroom cottage 269 m² in Porto (city)

Porto (city), Porto, Portugal

1,875,000 €

Total area 269 m² · Land area: 380 m² · 3 bedrooms · 3 bathrooms

3-bedroom cottage 269 m² in Porto (city)

Porto (city), Porto, Portugal

1,980,000 €

Total area 269 m² · Land area: 380 m² · 3 bedrooms · 3 bathrooms

3-bedroom cottage 269 m² in Porto (city)

Porto (city), Porto, Portugal

1,875,000 €

Total area 269 m² · Land area: 380 m² · 3 bedrooms · 3 bathrooms

3-bedroom cottage 269 m² in Porto (city)

Porto (city), Porto, Portugal

1,920,000 €

Total area 269 m² · Land area: 380 m² · 3 bedrooms · 3 bathrooms

3-bedroom cottage 269 m² in Porto (city)

Porto (city), Porto, Portugal

1,950,000 €

Total area 269 m² · Land area: 380 m² · 3 bedrooms · 3 bathrooms

4-bedroom cottage 311 m² in Porto (city)

Porto (city), Porto, Portugal

2,960,000 €

Total area 311 m² · Land area: 690 m² · 4 bedrooms · 4 bathrooms

4-bedroom cottage 311 m² in Porto (city)

Porto (city), Porto, Portugal

2,970,000 €

Total area 311 m² · Land area: 707 m² · 4 bedrooms · 4 bathrooms

4-bedroom cottage 311 m² in Porto (city)

Porto (city), Porto, Portugal

2,935,000 €

Total area 311 m² · Land area: 680 m² · 4 bedrooms · 4 bathrooms

4-bedroom cottage 311 m² in Porto (city)

Porto (city), Porto, Portugal

3,270,000 €

Total area 311 m² · Land area: 957 m² · 4 bedrooms · 4 bathrooms

4-bedroom cottage 311 m² in Porto (city)

Porto (city), Porto, Portugal

3,260,000 €

Total area 311 m² · Land area: 949 m² · 4 bedrooms · 4 bathrooms

4-bedroom cottage 311 m² in Porto (city)

Porto (city), Porto, Portugal

3,325,000 €

Total area 311 m² · Land area: 951 m² · 4 bedrooms · 4 bathrooms

6-bedroom cottage 511 m² in Porto (city)

Porto (city), Porto, Portugal

650,000 €

Total area 511 m² · Land area: 1 m² · 6 bedrooms · 3 bathrooms

4-bedroom cottage 282 m² in Porto (city)

Porto (city), Porto, Portugal

2,190,000 €

Total area 282 m² · Land area: 412 m² · 4 bedrooms · 4 bathrooms

4-bedroom cottage 282 m² in Porto (city)

Porto (city), Porto, Portugal

2,190,000 €

Total area 282 m² · Land area: 412 m² · 4 bedrooms · 4 bathrooms

4-bedroom cottage 282 m² in Porto (city)

Porto (city), Porto, Portugal

2,190,000 €

Total area 282 m² · Land area: 412 m² · 4 bedrooms · 4 bathrooms

4-bedroom cottage 282 m² in Porto (city)

Porto (city), Porto, Portugal

2,240,000 €

Total area 282 m² · Land area: 423 m² · 4 bedrooms · 4 bathrooms

4-bedroom cottage 282 m² in Porto (city)

Porto (city), Porto, Portugal

2,240,000 €

Total area 282 m² · Land area: 423 m² · 4 bedrooms · 4 bathrooms

4-bedroom cottage 282 m² in Porto (city)

Porto (city), Porto, Portugal

2,190,000 €

Total area 282 m² · Land area: 412 m² · 4 bedrooms · 4 bathrooms

3-bedroom cottage 269 m² in Porto (city)

Porto (city), Porto, Portugal

1,950,000 €

Total area 269 m² · Land area: 380 m² · 3 bedrooms · 3 bathrooms

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Villas & houses for sale in Braga