Can foreign nationals take out mortgage loans in Lisbon?

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

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 Lisbon?

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.

35 Houses for Sale in Lisbon, Buy Villa from 515,000€

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6-bedrooms villa 374 m² in Lisbon, Portugal for 1,800,000 €

6-bedrooms villa 374 m² in Lisbon, Portugal

1,800,000 €

£1,507,000

Total area 374 m²Land area: 565 m²6 bedrooms5 bathrooms

4-bedrooms villa 280 m² in Alcabideche, Portugal for 975,000 €

4-bedrooms villa 280 m² in Alcabideche, Portugal

975,000 €

£816,000

Total area 280 m²Land area: 420 m²4 bedrooms5 bathrooms

3% discount on apartments

Investment apartments in The Community at 9% per annum in the heart of the Motor City area, Dubai

From 158,000 €

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

Residential complex

3-bedrooms villa 170 m² in Alcabideche, Portugal for 1,670,000 €

3-bedrooms villa 170 m² in Alcabideche, Portugal

1,670,000 €

£1,398,000

Total area 170 m²Land area: 370 m²3 bedrooms5 bathrooms

7-bedrooms villa 362 m² in Lisbon, Portugal for 1,250,000 €

7-bedrooms villa 362 m² in Lisbon, Portugal

1,250,000 €

£1,046,000

Total area 362 m²Land area: 20,000 m²7 bedrooms6 bathrooms

3-bedrooms villa 170 m² in Alcabideche, Portugal for 1,590,000 €

3-bedrooms villa 170 m² in Alcabideche, Portugal

1,590,000 €

£1,331,000

Total area 170 m²Land area: 340 m²3 bedrooms5 bathrooms

6-bedrooms villa 475 m² in Cascais, Portugal for 5,100,000 €

6-bedrooms villa 475 m² in Cascais, Portugal

5,100,000 €

£4,270,000

Total area 475 m²Land area: 900 m²6 bedrooms7 bathrooms

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2-bedrooms villa 106 m² in Cascais, Portugal for 3,000,000 €

2-bedrooms villa 106 m² in Cascais, Portugal

3,000,000 €

£2,512,000

Total area 106 m²Land area: 131 m²2 bedrooms2 bathrooms

5-bedrooms villa 333 m² in Alcabideche, Portugal for 2,150,000 €

5-bedrooms villa 333 m² in Alcabideche, Portugal

2,150,000 €

£1,800,000

Total area 333 m²Land area: 473 m²5 bedrooms5 bathrooms

5-bedrooms villa 333 m² in Alcabideche, Portugal

2,150,000 €

£1,800,000

Total area 333 m²Land area: 473 m²5 bedrooms5 bathrooms

5-bedrooms villa 333 m² in Alcabideche, Portugal for 2,200,000 €

5-bedrooms villa 333 m² in Alcabideche, Portugal

2,200,000 €

£1,842,000

Total area 333 m²Land area: 473 m²5 bedrooms5 bathrooms

House 5 Bedrooms + 1 in Cascais for 2,385,000 €

House 5 Bedrooms + 1 in Cascais

2,385,000 €

£1,997,000

Total area 365 m²Land area: 1,108 m²5 bedrooms6 bathrooms

3 weeks ago

4-bedrooms villa 343 m² in Sintra, Portugal for 1,440,000 €

4-bedrooms villa 343 m² in Sintra, Portugal

1,440,000 €

£1,206,000

Total area 343 m²Land area: 516 m²4 bedrooms4 bathrooms

1 week ago

4-bedrooms villa 343 m² in Sintra, Portugal for 1,485,000 €

4-bedrooms villa 343 m² in Sintra, Portugal

1,485,000 €

£1,243,000

Total area 343 m²Land area: 716 m²4 bedrooms4 bathrooms

1 week ago

4-bedrooms villa 343 m² in Sintra, Portugal for 1,430,000 €

4-bedrooms villa 343 m² in Sintra, Portugal

1,430,000 €

£1,197,000

Total area 343 m²Land area: 424 m²4 bedrooms4 bathrooms

1 week ago

4-bedrooms villa 343 m² in Sintra, Portugal

1,430,000 €

£1,197,000

Total area 343 m²Land area: 405 m²4 bedrooms4 bathrooms

1 week ago

4-bedrooms villa 343 m² in Sintra, Portugal for 1,415,000 €

4-bedrooms villa 343 m² in Sintra, Portugal

1,415,000 €

£1,185,000

Total area 343 m²Land area: 380 m²4 bedrooms4 bathrooms

1 week ago

20-bedrooms villa 1600 m² in Oeiras, Portugal for 12,500,000 €

20-bedrooms villa 1600 m² in Oeiras, Portugal

12,500,000 €

£10,465,000

Total area 1,600 m²Land area: 6,000 m²20 bedrooms6 bathrooms

Spectacular duplex villa 750 metres from Amoreira Beach for 515,000 €

Spectacular duplex villa 750 metres from Amoreira Beach

515,000 €

£431,000

Total area 165 m²3 bedrooms3 bathrooms

3 weeks ago

Farm 5 Bedrooms in Lousa, Loures for 750,000 €

Farm 5 Bedrooms in Lousa, Loures

750,000 €

£628,000

Total area 373 m²5 bedrooms3 bathrooms

3 weeks ago

9-bedrooms villa 3712 m² in Mafra National Palace, Portugal for 1,700,000 €

9-bedrooms villa 3712 m² in Mafra National Palace, Portugal

1,700,000 €

£1,423,000

Total area 3,712 m²Land area: 3,712 m²7 bathrooms

Luxury 4-bedroom villa in Santo Amaro, Oeiras! for 1,850,000 €

Luxury 4-bedroom villa in Santo Amaro, Oeiras!

1,850,000 €

£1,549,000

Total area 364 m²Land area: 433 m²4 bedrooms6 bathrooms

3 weeks ago

Luxury 4-bedroom villa in Santo Amaro, Oeiras!

1,850,000 €

£1,549,000

Total area 364 m²Land area: 433 m²4 bedrooms6 bathrooms

3 weeks ago

Luxury 4-bedroom villa in Santo Amaro, Oeiras! for 1,900,000 €

Luxury 4-bedroom villa in Santo Amaro, Oeiras!

1,900,000 €

£1,591,000

Total area 375 m²Land area: 433 m²4 bedrooms6 bathrooms

3 weeks ago

Luxury 4-bedroom villa in Santo Amaro, Oeiras! for 1,950,000 €

Luxury 4-bedroom villa in Santo Amaro, Oeiras!

1,950,000 €

£1,632,000

Total area 375 m²Land area: 460 m²4 bedrooms6 bathrooms

3 weeks ago

House 4 Bedrooms in Carvoeira, Mafra for 798,000 €

House 4 Bedrooms in Carvoeira, Mafra

798,000 €

£668,000

Total area 179 m²Land area: 320 m²4 bedrooms5 bathrooms

3 weeks ago

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1-25 of 35 listings, page 1 of 2

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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
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