Can foreign nationals take out mortgage loans in Porto?

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

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 Porto?

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 an apartment 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 apartments 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 an apartment 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.

29 Luxury 4 Bedroom Apartments for Sale in Porto from 1,500,000 €

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4-bedroom apartment 286 m² in Porto (city)

Porto (city), Porto, Portugal

2,005,000 €

Total area 286 m² · Land area: 386 m² · 4 bedrooms · 3 bathrooms

4-bedroom apartment 287 m² in Porto (city)

Porto (city), Porto, Portugal

2,005,000 €

Total area 287 m² · Land area: 390 m² · 4 bedrooms · 3 bathrooms

4-bedroom apartment 264 m² in Vila Nova de Gaia

Vila Nova de Gaia, Porto, Portugal

1,650,000 €

Total area 264 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 246 m² in Vila Nova de Gaia

Vila Nova de Gaia, Porto, Portugal

1,590,000 €

Total area 246 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 286 m² in Porto (city)

Porto (city), Porto, Portugal

2,090,000 €

Total area 286 m² · Land area: 386 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 286 m² in Porto (city)

Porto (city), Porto, Portugal

2,090,000 €

Total area 286 m² · Land area: 386 m² · 4 bedrooms · 3 bathrooms

Elvira Gracheva

Head of Sales Tranio Europe

Tranio Projects for Profitable Investments

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4-bedroom apartment 280 m² in Porto (city)

Porto (city), Porto, Portugal

1,800,000 €

Total area 280 m² · Land area: 396 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 286 m² in Porto (city)

Porto (city), Porto, Portugal

2,090,000 €

Total area 286 m² · Land area: 386 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 286 m² in Porto (city)

Porto (city), Porto, Portugal

2,574,000 €

Total area 286 m² · Land area: 396 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 287 m² in Porto (city)

Porto (city), Porto, Portugal

2,005,000 €

Total area 287 m² · Land area: 390 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 287 m² in Porto (city)

Porto (city), Porto, Portugal

2,075,000 €

Total area 287 m² · Land area: 412 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 303 m² in Porto (city)

Porto (city), Porto, Portugal

1,600,000 €

Total area 303 m² · 4 bedrooms

With swimming pool

4-bedroom apartment 542 m² in Porto (city)

Porto (city), Porto, Portugal

2,500,000 €

Total area 542 m² · 4 bedrooms · 5 bathrooms

4-bedroom apartment 307 m² in Porto (city)

Porto (city), Porto, Portugal

1,500,000 €

Total area 307 m² · 4 bedrooms

With swimming pool

4-bedroom apartment 448 m² in Porto (city)

Porto (city), Porto, Portugal

3,300,000 €

Total area 448 m² · 4 bedrooms · 5 bathrooms

With swimming pool

4-bedroom apartment 367 m² in Porto (city)

Porto (city), Porto, Portugal

2,600,000 €

Total area 367 m² · 4 bedrooms · 4 bathrooms

With swimming pool

4-bedroom apartment 448 m² in Porto (city)

Porto (city), Porto, Portugal

3,300,000 €

Total area 448 m² · 4 bedrooms · 5 bathrooms

With swimming pool

4-bedroom apartment 361 m² in Porto (city)

Porto (city), Porto, Portugal

2,500,000 €

Total area 361 m² · 4 bedrooms · 4 bathrooms

With swimming pool

4-bedroom apartment 361 m² in Porto (city)

Porto (city), Porto, Portugal

2,500,000 €

Total area 361 m² · 4 bedrooms · 4 bathrooms

With swimming pool

4-bedroom apartment 301 m² in Porto (city)

Porto (city), Porto, Portugal

2,100,000 €

Total area 301 m² · 4 bedrooms · 4 bathrooms

With swimming pool

4-bedroom apartment 301 m² in Porto (city)

Porto (city), Porto, Portugal

2,100,000 €

Total area 301 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 376 m² in Vila Nova de Gaia

Vila Nova de Gaia, Porto, Portugal

1,700,000 €

Total area 376 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 352 m² in Vila Nova de Gaia

Vila Nova de Gaia, Porto, Portugal

1,850,000 €

Total area 352 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 468 m² in Porto (city)

Porto (city), Porto, Portugal

1,900,000 €

Total area 468 m² · 4 bedrooms · 5 bathrooms

4-bedroom apartment 399 m² in Porto (city)

Porto (city), Porto, Portugal

1,720,000 €

Total area 399 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 348 m² in Porto (city)

Porto (city), Porto, Portugal

1,650,000 €

Total area 348 m² · 4 bedrooms · 4 bathrooms

4-bedroom apartment 200 m² in Porto (city)

Porto (city), Porto, Portugal

1,590,000 €

Total area 200 m² · 4 bedrooms · 1 bathroom

4-bedroom apartment 345 m² in Porto (city)

Porto (city), Porto, Portugal

1,520,000 €

Total area 345 m² · 4 bedrooms · 5 bathrooms

Residential complex

New residential complex with views of the Douro River and the ocean in Vila Nova de Gaia, Portugal

Vila Nova de Gaia, Porto, Portugal

From 302,000 €

Total 140 units available from the developer

Built in 2026

Studios from 302,000 €

1 bedroom from 421,000 €

2 bedrooms from 630,000 €

4 bedrooms from 1,950,000 €

Tranio’s client cases

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In 2025, a family came to us: a married couple and their adult son. Their goal was to obtain a European residence permit. Initially, they were choosing between Cyprus and Greece. Ultimately, the Greek Golden Visa programme...
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Once again, a Tranio client has chosen Greece Golden Visa programme as the most affordable European residency option through real estate investment. The programme was revised in 2024. Now, the most accessible route is through...
14 July 2025
London as a Second Home: Three Families Buy Apartments for Their Student Children
In recent months, we have received three similar requests to source property in London. This article features real client stories and a look at how property is purchased in the UK capital with Tranio.
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The Art of Renovation in Northern Athens and One-Stop-Shop Service of Tranio Hellas: Why Investor Bought Apartment...
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28 February 2025
The Master Key: How a Tranio Client Optimised Taxes Through Real Estate Investment in Cyprus
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The Final Lap: Returns Secured by Investors in The Community, Motor City
In October 2022, Tranio proudly unveiled a co-investment opportunity in The Community, a residential development in Motor City. This exclusive proposition invited discerning partners and clients to engage at the project’s...
21 February 2025
Exploring Oman's Office Real Estate Market: A Client's Perspective
Economic diversification has long been a priority for Gulf nations, with each country adopting its own strategy. The UAE leverages soft power and flexibility, Saudi Arabia pursues an aggressive approach with ambitious megaprojects...
13 May 2024
Tranio client's experience: apartment on the French Riviera and obtaining a residence permit for financially...
France is a country known for its quality of life, economic strength, progressive social welfare, developed infrastructure, high environmental standards and care for historical heritage. A residence permit in France allows...
25 April 2024
Tranio case: buying an apartment in Madrid and obtaining Spain Golden Visa
Today Spain is one of the most popular EU countries for obtaining a residency by investments. To participate in the Spain Golden Visa programme, an investor must invest more than 500 thousand euros in the state economy or...

Luxury 4 bedroom apartments for sale in Porto