Can foreign nationals take out mortgage loans in Central Portugal?

Yes, non-residents can be issued a mortgage loan to buy property in Central Portugal. 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 property purchasing process take place in Central Portugal?

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 Central Portugal?

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

Can Portuguese residency be obtained through buying real estate?

Yes, there is a residency by investment or Golden Visa programme in Portugal. Those buying newly or relatively recently built properties for at least € 500,000 and properties built over 30 years ago for at least € 350,000 become eligible for residency.

How can a property 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 real estate 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 flats and apartments 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 real estate 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.

Property in Central Portugal: apartments and houses for sale

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New apartments for a residence permit with a guaranteed yield of 4% in São Pedro do Sul, Portugal for From 280,000 €

New apartments for a residence permit with a guaranteed yield of 4% in São Pedro do Sul, Portugal

From 280,000 €

From £246,000

Built in 2021Total of 22 apartments

Residential complex

Renovated Village House

130,000 €

£114,000

Total area 212 m² / 2282 ft²Land area: 131 m² / 1410 ft²2 bathrooms

Portugal's «Golden Visa»

Share in pending hotel development in Algarve with buy-out in six years

280,000 € · 70% shares already sold out

Legal for Russian citizens;
Residence permits for investor's spouse and children;
Application for citizenship in five years.

Villa – Leiria, Portugal

820,000 €

£722,000

Total area 130 m² / 1399 ft²Land area: 439 m² / 4725 ft²3 bedrooms3 bathrooms

Villa – Leiria, Portugal for 1,100,000 €

Villa – Leiria, Portugal

1,100,000 €

£968,000

Total area 200 m² / 2153 ft²Land area: 775 m² / 8342 ft²3 bedrooms3 bathrooms

Villa – Leiria, Portugal

775,000 €

£682,000

Total area 130 m² / 1399 ft²Land area: 392 m² / 4219 ft²3 bedrooms3 bathrooms

Villa – Leiria, Portugal

720,000 €

£634,000

Total area 122 m² / 1313 ft²Land area: 153 m² / 1647 ft²3 bedrooms3 bathrooms

Discounted properties upon request

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Villa – Leiria, Portugal

690,000 €

£607,000

Total area 122 m² / 1313 ft²Land area: 153 m² / 1647 ft²3 bedrooms3 bathrooms

Apartment – Leiria, Portugal for 655,000 €

Apartment – Leiria, Portugal

655,000 €

£577,000

Total area 135 m²Land area: 150 m²3 bedrooms3 bathrooms

Villa – Leiria, Portugal

720,000 €

£634,000

Total area 122 m² / 1313 ft²Land area: 153 m² / 1647 ft²3 bedrooms3 bathrooms

Villa – Leiria, Portugal

720,000 €

£634,000

Total area 122 m² / 1313 ft²Land area: 153 m² / 1647 ft²3 bedrooms3 bathrooms

Apartment – Leiria, Portugal for 635,000 €

Apartment – Leiria, Portugal

635,000 €

£559,000

Total area 135 m²Land area: 150 m²3 bedrooms3 bathrooms

Apartment – Leiria, Portugal

635,000 €

£559,000

Total area 135 m²Land area: 150 m²3 bedrooms3 bathrooms

Apartment – Leiria, Portugal

655,000 €

£577,000

Total area 135 m²Land area: 150 m²3 bedrooms3 bathrooms

Villa – Leiria, Portugal

820,000 €

£722,000

Total area 135 m² / 1453 ft²Land area: 587 m² / 6318 ft²3 bedrooms3 bathrooms

Villa – Leiria, Portugal

750,000 €

£660,000

Total area 135 m² / 1453 ft²Land area: 483 m² / 5199 ft²3 bedrooms3 bathrooms

Villa – Leiria, Portugal

800,000 €

£704,000

Total area 135 m² / 1453 ft²Land area: 493 m² / 5307 ft²3 bedrooms3 bathrooms

Two-bedroom buy-to-let apartment with a guaranteed yield of 5% in Obidos, Leiria, Portugal for 505,000 €

Two-bedroom buy-to-let apartment with a guaranteed yield of 5% in Obidos, Leiria, Portugal

505,000 €

£444,000

Total area 115 m²2 bedrooms2 bathroomsYield 5.0%

Furnished duplex apartment in Aveiro, Portugal for 679,000 €

Sea view

Furnished duplex apartment in Aveiro, Portugal

679,000 €

£598,000

Total area 420 m²2 bedrooms2 bathrooms

Villa – Leiria, Portugal

640,000 €

£563,000

Total area 255 m² / 2745 ft²4 bedrooms4 bathrooms

Villa – Leiria, Portugal

640,000 €

£563,000

Total area 250 m² / 2691 ft²4 bedrooms6 bathrooms

Villa – Leiria, Portugal

520,000 €

£458,000

Total area 157 m² / 1690 ft²3 bedrooms3 bathrooms

Villa – Óbidos, Leiria, Portugal for 700,000 €

Villa – Óbidos, Leiria, Portugal

700,000 €

£616,000

Total area 236 m² / 2540 ft²Land area: 10520 m² / 113237 ft²7 bedrooms4 bathrooms

Villa – Bombarral, Leiria, Portugal for 750,000 €

Villa – Bombarral, Leiria, Portugal

750,000 €

£660,000

Land area: 22000 m² / 236808 ft²3 bedrooms2 bathrooms

Terraced house – Leiria, Portugal for 775,000 €

Terraced house – Leiria, Portugal

775,000 €

£682,000

Total area 135 m²Land area: 386 m²3 bedrooms3 bathrooms

Twin villa with 3 bedrooms in golf resort and access to the beach for 750,000 €

Twin villa with 3 bedrooms in golf resort and access to the beach

750,000 €

£660,000

Total area 153 m² / 1647 ft²3 bathrooms

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Property for sale in Central Portugal