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.

3 Coastal Apartments for Sale in Porto from 527,000 €

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4-bedroom apartment 303 m² in Porto (city)

Porto (city), Porto, Portugal

1,600,000 €

Total area 303 m² · 4 bedrooms

4-bedroom apartment 307 m² in Porto (city)

Porto (city), Porto, Portugal

1,500,000 €

Total area 307 m² · 4 bedrooms

Residential complex

Residential complex with a swimming pool, near the beach, Porto, Portugal

Porto (city), Porto, Portugal

From 527,000 €

Total 30 units available from the developer

3 bedrooms from 527,000 €

4 bedrooms from 817,000 €

Elvira Gracheva

Head of Sales Tranio Europe

Tranio Projects for Profitable Investments

Sourcing prime properties to match your goals, negotiating exclusive terms, delivering an independent investment analysis.

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Residential complex

Apartments in a modern residential complex with swimming pools, Cascais, Portugal

Cascais, Lisbon, Portugal

From 1,200,000 €

Total 15 units available from the developer

3 bedrooms from 1,200,000 €

Sea view

1-bedroom apartment 82 m² in Grândola

Grândola, Setubal, Portugal

550,000 €

Total area 82 m² · 1 bedroom · 1 bathroom

Sea view

1-bedroom apartment 82 m² in Setubal (city)

Setubal (city), Setubal, Portugal

550,000 €

Total area 82 m² · 1 bedroom · 1 bathroom

Sea view

1-bedroom apartment 99 m² in Setubal (city)

Setubal (city), Setubal, Portugal

550,000 €

Total area 99 m² · 1 bedroom · 1 bathroom

Sea view

1-bedroom apartment 104 m² in Grândola

Grândola, Setubal, Portugal

550,000 €

Total area 104 m² · 1 bedroom · 1 bathroom

Sea view

2-bedroom apartment 118 m² in Grândola

Grândola, Setubal, Portugal

900,000 €

Total area 118 m² · 2 bedrooms · 1 bathroom

Sea view

2-bedroom apartment 179 m² in Grândola

Grândola, Setubal, Portugal

950,000 €

Total area 179 m² · 2 bedrooms · 1 bathroom

Sea view

2-bedroom apartment 116 m² in Grândola

Grândola, Setubal, Portugal

950,000 €

Total area 116 m² · 2 bedrooms · 1 bathroom

Sea view

1-bedroom apartment 99 m² in Grândola

Grândola, Setubal, Portugal

550,000 €

Total area 99 m² · 1 bedroom · 1 bathroom

Sea view

1-bedroom apartment 104 m² in Grândola

Grândola, Setubal, Portugal

550,000 €

Total area 104 m² · 1 bedroom · 1 bathroom

Sea view

1-bedroom apartment 82 m² in Grândola

Grândola, Setubal, Portugal

550,000 €

Total area 82 m² · 1 bedroom · 1 bathroom

Sea view

1-bedroom apartment 82 m² in Grândola

Grândola, Setubal, Portugal

550,000 €

Total area 82 m² · 1 bedroom · 1 bathroom

Sea view

3-bedroom apartment 198 m² in Grândola

Grândola, Setubal, Portugal

1,270,000 €

Total area 198 m² · 3 bedrooms · 2 bathrooms

Sea view

1-room apartment 63 m² in Grândola

Grândola, Setubal, Portugal

450,000 €

Total area 63 m² · 1 bathroom

Sea view

1-room apartment 54 m² in Grândola

Grândola, Setubal, Portugal

420,000 €

Total area 54 m² · 1 bathroom

Sea view

1-room apartment 63 m² in Setubal (city)

Setubal (city), Setubal, Portugal

450,000 €

Total area 63 m² · 1 bathroom

Sea view

1-room apartment 63 m² in Setubal (city)

Setubal (city), Setubal, Portugal

450,000 €

Total area 63 m² · 1 bathroom

Sea view

1-room apartment 68 m² in Setubal (city)

Setubal (city), Setubal, Portugal

450,000 €

Total area 68 m² · 1 bathroom

Sea view

1-room apartment 54 m² in Setubal (city)

Setubal (city), Setubal, Portugal

420,000 €

Total area 54 m² · 1 bathroom

Sea view

1-room apartment 51 m² in Setubal (city)

Setubal (city), Setubal, Portugal

420,000 €

Total area 51 m² · 1 bathroom

Sea view

1-room apartment 51 m² in Grândola

Grândola, Setubal, Portugal

420,000 €

Total area 51 m² · 1 bathroom

Sea view

1-room apartment 63 m² in Grândola

Grândola, Setubal, Portugal

450,000 €

Total area 63 m² · 1 bathroom

Sea view

1-room apartment 68 m² in Grândola

Grândola, Setubal, Portugal

450,000 €

Total area 68 m² · 1 bathroom

Sea view

2-bedroom apartment 116 m² in Grândola

Grândola, Setubal, Portugal

900,000 €

Total area 116 m² · 2 bedrooms

Sea view

3-bedroom apartment 198 m² in Grândola

Grândola, Setubal, Portugal

1,270,000 €

Total area 198 m² · 3 bedrooms

Stylish four-level house just 800 meters from the beach, Matosinhos, Porto, Portugal

Porto (city), Porto, Portugal

875,000 €

Total area 248 m² · 4 bedrooms · 5 bathrooms

Residential complex

Residential complex with a swimming pool, near the beach, Porto, Portugal

Porto (city), Porto, Portugal

From 527,000 €

Total 30 units available from the developer

3 bedrooms from 527,000 €

4 bedrooms from 817,000 €

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21 February 2025
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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
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Coastal apartments for sale in Porto