Can foreign nationals take out mortgage loans in Santo Estevão?

Yes, non-residents can be issued a mortgage loan to buy property in Santo Estevão. 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 Santo Estevão?

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 Santo Estevão?

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.

4 Bedroom Houses for Sale in Santo Estevão

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Furnished villa with a swimming pool and a garden in a prestigious and picturesque area, Santo Estevão, Portugal for 1,000,000 €

Furnished villa with a swimming pool and a garden in a prestigious and picturesque area, Santo Estevão, Portugal

1,000,000 €

£865,000

Total area 720 m²Land area: 20,000 m²4 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 127,000 €

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

Residential complex

Similar facilities nearby

Historic villa with a swimming pool, a garden and a view of the sea in a prestigious area, Funchal, Portugal

2,500,000 €

Total area 1,200 m²Land area: 1,200 m²4 bedrooms5 bathrooms

Exclusive two-storey villa with panoramic ocean views, Madeira, Portugal

1,980,000 €

Total area 420 m²Land area: 600 m²4 bedrooms6 bathrooms

Two-storey modern villa 150 from the sea, Xiliadou, Greece

325,000 €

With swimming pool

Total area 110 m²4 bedrooms2 bathrooms

Three-level villa with a pool and a garage, 800 m from the beach, Castelldefels, Barcelona, Spain

775,000 €

With swimming pool

Total area 363 m²Land area: 633 m²4 bedrooms4 bathrooms

Designer villa with fantastic sea views and a pool in Benidorm, Alicante, Spain

1,650,000 €

With swimming pool

Total area 325 m²Land area: 1,000 m²4 bedrooms4 bathrooms

Furnished villa overlooking the yacht Port of Campomanes, Altea, Spain

2,500,000 €

Total area 450 m²Land area: 1,000 m²4 bedrooms4 bathrooms

Elite villa with a pool and sea views, Castelldefels, Spain

1,250,000 €

With swimming pool

Total area 543 m²Land area: 754 m²7 bedrooms5 bathrooms

Beautiful villa with a pool and sea views, Altea, Spain

780,000 €

With swimming pool

Total area 210 m²Land area: 843 m²4 bedrooms3 bathrooms

Three-storey house with a pool, a garden and a garage in Castellar del Valles, Barcelona, Spain

449,000 €

With swimming pool

Total area 312 m²Land area: 231 m²4 bedrooms4 bathrooms

Three-level villa with a pool and panoramic views in Castelldefels, Barcelona, Spain

1,300,000 €

With swimming pool

Total area 407 m²Land area: 723 m²4 bedrooms3 bathrooms

Elite villa with a rooftop pool and sea views, Gava Mar, Spain

5,500,000 €

With swimming pool

Total area 600 m²Land area: 800 m²6 bedrooms7 bathrooms

Exclusive villa with a swimming pool, a garden and a guest apartment near the beach, Benidorm, Spain

3,250,000 €

With swimming pool

Total area 700 m²Land area: 1,080 m²6 bedrooms7 bathrooms

Modern villa with a pool, a gym and sea views, Calpe, Spain

2,780,000 €

Total area 670 m²Land area: 1,850 m²5 bedrooms7 bathrooms

Beautiful villa with a swimming pool, a tennis court and a garden in a quiet area, near the beach, Benidorm, Spain

2,155,000 €

With swimming pool

Total area 650 m²Land area: 2,000 m²7 bedrooms6 bathrooms

Luxury complex of villas close to all necessary infrastructure, Paphos, Cyprus

From 700,000 €

10 units in total

Elite villa with a pool with a 5% yield, Algarve, Portugal

4,500,000 €

Total area 486 m²4 bedrooms4 bathrooms

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

2,300,000 €

Land area: 731 m²5 bedrooms6 bathrooms

New complex of villas with gardens and terraces, Ayios Athanasios, Cyprus

From 795,000 €

Completion in: 2024.IV17 units in total

Luxury villa with a swimming pool, a garden and lounge areas, Galé, Portugal

3,500,000 €

Land area: 8,860 m²4 bedrooms5 bathrooms

New villa under construction with a pool and sea views, Altea, Alicante, Spain

1,380,000 €

With swimming pool

Total area 560 m²Land area: 841 m²4 bedrooms4 bathrooms

New villa with a pool and sea views in a prestigious area, Altea, Spain

4,000,000 €

Total area 630 m²Land area: 1,645 m²4 bedrooms4 bathrooms

Furnished villa with a swimming pool, a garden and picturesque views, Benidorm, Spain

1,900,000 €

Total area 325 m²Land area: 1,000 m²4 bedrooms5 bathrooms

Furnished villa with a swimming pool and a spa in a guarded prestigious residence, Altea, Spain

1,970,000 €

With swimming pool

Total area 450 m²Land area: 1,139 m²4 bedrooms4 bathrooms

Three-storey villa with a swimming pool and an elevator in a residence with tennis courts, 150 meters from the sea, close to Barcelona

3,500,000 €

With swimming pool

Total area 750 m²Land area: 1,000 m²5 bedrooms4 bathrooms

Elite villa with a jacuzzi and a spa area, Altea, Spain

4,500,000 €

Total area 739 m²Land area: 1,461 m²6 bedrooms6 bathrooms

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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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Quality Villas

4 bedroom houses for sale in Santo Estevão