Can foreign nationals take out mortgage loans in Lourinhã Municipality?

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

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 Lourinhã Municipality?

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 for sale in Lourinhã Municipality - Buy real estate in Lourinhã Municipality

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Villa with a garage and a picturesque view at 400 meters from the beach, Lourinha, Portugal for 449,000 €

Villa with a garage and a picturesque view at 400 meters from the beach, Lourinha, Portugal

449,000 €

£399,000

Total area 160 m²4 bedrooms4 bathrooms

New villa with a view of the sea, Lourinhã, Portugal for 999,000 €

New villa with a view of the sea, Lourinhã, Portugal

999,000 €

£888,000

Total area 1,005 m²4 bedrooms6 bathrooms

Golden Visa

Buy-to-let apartment with a guaranteed yield of 5%, in a new residential complex, Lisbon, Portugal

770,000 €

Total area: 81 1 bedroom 1 bathroom Yield 5.0%

Villa – Lourinhã Municipality, Lisbon, Portugal for 719,000 €

Villa – Lourinhã Municipality, Lisbon, Portugal

719,000 €

£639,000

Total area 783 m²Land area: 783 m²6 bathrooms

Villa – Lourinhã Municipality, Lisbon, Portugal for 699,000 €

Villa – Lourinhã Municipality, Lisbon, Portugal

699,000 €

£621,000

Total area 768 m²Land area: 768 m²6 bathrooms

Villa – Lourinhã Municipality, Lisbon, Portugal for 649,000 €

Villa – Lourinhã Municipality, Lisbon, Portugal

649,000 €

£577,000

Total area 715 m²Land area: 715 m²6 bathrooms

Villa – Lourinhã Municipality, Lisbon, Portugal for 325,000 €

Villa – Lourinhã Municipality, Lisbon, Portugal

325,000 €

£289,000

Total area 583 m²Land area: 583 m²3 bathrooms

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Ekaterina Maslova

Senior Residence and Citizenship Advisor

Villa – Lourinhã Municipality, Lisbon, Portugal for 1,050,000 €

Villa – Lourinhã Municipality, Lisbon, Portugal

1,050,000 €

£934,000

Total area 937 m²Land area: 937 m²4 bathrooms

Villa – Lourinhã Municipality, Lisbon, Portugal for 499,000 €

Villa – Lourinhã Municipality, Lisbon, Portugal

499,000 €

£444,000

Total area 660 m²Land area: 660 m²6 bathrooms

Villa – Lourinhã Municipality, Lisbon, Portugal for 560,000 €

Villa – Lourinhã Municipality, Lisbon, Portugal

560,000 €

£498,000

Total area 3,120 m²Land area: 3,120 m²5 bathrooms

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Comfortable house in a modern gated residence with a swimming pool, a gym and a garage, in the heart of Lisbon, Portugal

475,000 €

Total area 94 m²1 bedroom1 bathroom

Renovated apartment with a patio in the center of Lisbon, Portugal

269,000 €

Total area 60 m²2 bedrooms1 bathroom

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Total area 261 m²Land area: 190 m²4 bedrooms4 bathrooms

Three-bedroom apartment with a view of the river, Lisbon, Portugal

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New apartment with large terraces is a prestigious area, Lisbon, Portugal

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Three-bedroom buy-to-let apartment with a guaranteed yield of 5%, in a newly-built residential complex, Lisbon, Portugal

2,500,000 €

Total area 260 m²3 bedrooms3 bathrooms

Comfortable two-bedroom apartment with a terrace in a cosy residence, Lisbon, Portugal

405,000 €

Total area 69 m²2 bedrooms2 bathrooms

Comfortable two-bedroom apartment with a terrace in a cosy residence, Lisbon, Portugal

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One-bedroom buy-to-let apartment with a guaranteed yield of 5%, in a newly-built residential complex, Lisbon, Portugal

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Modern one-bedroom apartment with a terrace in a cosy residence, Lisbon, Portugal

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

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Total area 210 m²4 bedrooms

Modern three-bedroom apartment with a balcony, in a new condominium with a swimming pool, near the sea, Oeyras, Lisbon, Portugal

525,000 €

Total area 200 m²3 bedrooms3 bathrooms

Property for sale in Lourinhã Municipality

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