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.

Houses with Pools 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 €

£858,000

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 128,000 €

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

Residential complex

Similar facilities nearby

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 villa with a swimming pool near golf courses and beaches, Almancil, Portugal

1,250,000 €

Total area 521 m²3 bedrooms4 bathrooms

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

3,500,000 €

Land area: 8,860 m²4 bedrooms5 bathrooms

Contemporary 3 Bed. Villa Turnkey

1,475,000 €

Total area 380 m²Land area: 1,114 m²4 bathrooms

Sea & Countryside Views/ 4 Bed. Villa

610,000 €

Total area 160 m²Land area: 5,100 m²3 bathrooms

Fabulous Quinta for sale in large plot with Annex, Boliqueime

1,100,000 €

Total area 334 m²Land area: 8,000 m²5 bathrooms

Sea view villa in quiet location, 3 bedrooms

795,000 €

Total area 166 m²Land area: 1,940 m²2 bathrooms

Traditional 2+1 Bed Villa

340,000 €

Total area 72 m²Land area: 152 m²1 bathroom

3 bedroom country house, annexes and workshop

1,100,000 €

Total area 250 m²Land area: 15,715 m²3 bathrooms

Elite villa with a pool and ocean views, 500 meters from the beach, Praia da Luz, Faro, Portugal

2,350,000 €

Total area 350 m²Land area: 1,013 m²

Two-storey furnished villa near the sea in Albufeira, Portugal

1,380,000 €

Total area 450 m²5 bedrooms7 bathrooms

Villa – Santa Bárbara de Nexe, Faro, Portugal

699,000 €

Total area 255 m²Land area: 255 m²3 bathrooms

Villa – Quarteira, Faro, Portugal

1,950,000 €

Total area 1,454 m²Land area: 1,454 m²4 bathrooms

Villa – Quarteira, Faro, Portugal

1,280,000 €

Total area 800 m²Land area: 800 m²3 bathrooms

Villa – Monchique, Faro, Portugal

1,200,000 €

Total area 1,332 m²Land area: 1,332 m²6 bathrooms

Villa – Lagoa, Faro, Portugal

2,000,000 €

Total area 2,736 m²Land area: 2,736 m²5 bathrooms

Villa – Albufeira, Faro, Portugal

1,750,000 €

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

Villa – Almancil, Faro, Portugal

2,200,000 €

Total area 3,000 m²Land area: 3,000 m²6 bathrooms

Villa – Lagoa, Faro, Portugal

1,300,000 €

Total area 2,630 m²Land area: 2,630 m²5 bathrooms

Villa with a swimming pool in a residence with a golf course, Alcantarilha, Portugal

1,500,000 €

4 bedrooms

Villa – Lagos, Faro, Portugal

1,500,000 €

Total area 14,450 m²Land area: 14,450 m²5 bathrooms

Villa – Silves, Faro, Portugal

12,900,000 €

Total area 79,000 m²Land area: 79,000 m²13 bathrooms

Villa – Vila do Bispo, Faro, Portugal

1,200,000 €

Total area 1,250 m²Land area: 1,250 m²4 bathrooms

Villa – Lagos, Faro, Portugal

2,000,000 €

Total area 4,500 m²Land area: 4,500 m²8 bathrooms

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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.

Quality Villas

Houses with pools for sale in Santo Estevão