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.

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.

Luxury Property for Sale in Central Portugal from 2,800,000€

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Villa – Leiria, Portugal for 1,500,000 €

Villa – Leiria, Portugal

1,500,000 €

£1,282,000

Total area 185 m²Land area: 1,059 m²3 bedrooms3 bathrooms

Villa – Leiria, Portugal

1,500,000 €

£1,282,000

Total area 190 m²Land area: 881 m²3 bedrooms3 bathrooms

90 m long swimming pool!

The Community — investment apartments by Aqua Properties with 9,5% yield per annum in the center of the developing area of Motor City, Dubai

From 131,000 €

Completion in: 2025 Yield: 9.0% Apartments in total: 450

Residential complex

Villa – Castelo Branco, Portugal for 2,800,000 €

Villa – Castelo Branco, Portugal

2,800,000 €

£2,394,000

Total area 756 m²Land area: 11,000 m²12 bedrooms16 bathrooms

1 month ago

Villa – Bombarral, Leiria, Portugal for 1,560,000 €

Villa – Bombarral, Leiria, Portugal

1,560,000 €

£1,334,000

Total area 1,240 m²Land area: 1,240 m²5 bathrooms

Discounted properties upon request

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New villa with a pool and sea views in Lagos, Faro, Portugal

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Elite apartment in a gated complex with a golf course, Cascais, Portugal

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1,750,000 €

Total area 309 m²Land area: 351 m²5 bedrooms5 bathrooms

Villa – Alcabideche, Lisbon, Portugal

1,590,000 €

Total area 170 m²Land area: 340 m²3 bedrooms5 bathrooms

Apartment – Lisbon, Portugal

1,890,000 €

Total area 130 m²Land area: 160 m²3 bedrooms3 bathrooms

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Total area 374 m²Land area: 565 m²6 bedrooms5 bathrooms

Apartment – Cascais, Lisbon, Portugal

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Total area 260 m²Land area: 315 m²4 bedrooms4 bathrooms

Villa – Alcabideche, Lisbon, Portugal

1,670,000 €

Total area 170 m²Land area: 370 m²3 bedrooms5 bathrooms

Apartment – Lisbon, Portugal

2,735,000 €

Total area 467 m²Land area: 519 m²6 bedrooms7 bathrooms

Villa – Cascais, Lisbon, Portugal

5,100,000 €

Total area 475 m²Land area: 900 m²6 bedrooms7 bathrooms

Villa – Evora, Alentejo Region, Portugal

1,500,000 €

Total area 695 m²Land area: 1,758 m²6 bedrooms3 bathrooms

Apartment – Lisbon, Portugal

2,500,000 €

Total area 186 m²Land area: 251 m²3 bedrooms1 bathroom

Apartment – Lisbon, Portugal

2,500,000 €

Total area 179 m²Land area: 254 m²3 bedrooms1 bathroom

Apartment – Lisbon, Portugal

2,500,000 €

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First and foremost Tranio is a very motivated team of professionals who surely know their job! We are very pleased with their well-coordinated work, timeliness of responses to the questions posed, and willingness to act in case of unusual situations.
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Coldwell Banker
It is with much enthusiasm that I personally recommend Tranio for a professional business collaboration in the ﬁeld of real estate, marketing, acquisition, and ﬁnance. The fundamentals of our business relationship with Tranio were set in 2016. Mundial AG has received the company’s great reputation throughout a number of international business pai’tners and stockholders. Tranio has helped our company to expand its horizons to the global market and has established benchmarks that would extend Mundial AG’s networks. The company has exceptional connections to potential investors and has a proﬁcient team that is capable of forming compound ﬁnancial models that attract ﬁnanciers. The cooperation with Tranio is based on professionalism, effectiveness, and Hypovﬂemsbank scrupulousness. Our experiences with Tranio are encouraging and progressive, which makes them one of our preeminent business paitners.
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Z. Farkas, Mundial AG
We are glad to have a partnership with Tranio! It offers a vast online property base and the best services.

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Luxury property for sale in Central Portugal