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.

Furnished apartments for sale in Porto

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New complex of turnkey apartments with ocean views in Sesimbra, Setubal, Portugal

Sesimbra, Setubal, Portugal

From 391,000 €

Total 46 units available from the developer

Built in 2026

Studios from 391,000 €

3 bedrooms from 912,000 €

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Designer apartment in a historic building, central Lisbon, Portugal

Lisbon, Portugal

Price on request

3 bedrooms · 2 bathrooms

Residential complex

Fully equipped new apartments in Lisbon, Portugal

Lisbon, Portugal

From 500,000 €

Total 17 units available from the developer

1 bedroom from 500,000 €

2 bedrooms from 698,000 €

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Buy-to-let apartments with a guaranteed yield of 5% in a modern residential complex, Belem, Lisbon, Portugal

Lisbon, Portugal

From 770,000 €

Total 97 units available from the developer

Built in 2021

1 bedroom from 770,000 €

3 bedrooms from 2,500,000 €

Residential complex

Buy-to-let apartments with a swimming pool and view of the Tagus river, Alcochete, Setubal, Portugal

Alcochete Municipality, Setubal, Portugal

From 500,000 €

Total 60 units available from the developer

Built in 2019

2 bedrooms from 500,000 €

Comfortable apartment with a yield of 5%, Algarve, Portugal

Faro City, Faro, Portugal

1,295,000 €

3 bedrooms · 3 bathrooms · Yield 5.0%

Elite villa with a pool with a 5% yield, Algarve, Portugal

Faro City, Faro, Portugal

4,500,000 €

Total area 486 m² · 4 bedrooms · 4 bathrooms

Modern apartment with sea views with a guaranteed yield of 5%, Algarve, Portugal

Faro City, Faro, Portugal

1,000,000 €

2 bedrooms · 2 bathrooms · Yield 5.0%

Residential complex

Luxury residence with swimming pools and a club in a popular area, Nazaré, Portugal

Nazaré, Leiria, Portugal

From 197,000 €

Total 36 units available from the developer

Built in 2026

1 bedroom from 197,000 €

2 bedrooms from 287,000 €

Two-storey new apartment in a first-class complex, Lagos, Faro, Portugal

Lagos, Faro, Portugal

850,000 €

Total area 106 m² · 2 bedrooms · 2 bathrooms

Newly built four-bedroom penthouse with open ocean views in Cascais, Portugal

Cascais, Lisbon, Portugal

2,617,000 €

Total area 413 m² · 4 bedrooms · 4 bathrooms

2-bedroom apartment in new building 250 m² in Carvoeiro

Carvoeiro, Faro, Portugal

800,000 €

Total area 250 m² · 2 bedrooms · 2 bathrooms

5-room townhouse 2,896 m² in Silves

Silves, Faro, Portugal

1,180,000 €

Total area 2,896 m² · Land area: 2,896 m² · 7 bathrooms

Furnished

2-bedroom apartment 86 m² in Lisbon

Lisbon, Portugal

700,000 €

Total area 86 m² · 2 bedrooms · 1 bathroom

Furnished

2-bedroom apartment 86 m² in Lisbon

Lisbon, Portugal

690,000 €

Total area 86 m² · 2 bedrooms · 1 bathroom

Furnished

2-bedroom apartment 83 m² in Lisbon

Lisbon, Portugal

710,000 €

Total area 83 m² · 2 bedrooms · 1 bathroom

Furnished

2-bedroom apartment 104 m² in Lisbon

Lisbon, Portugal

765,000 €

Total area 104 m² · 2 bedrooms · 2 bathrooms

Furnished

2-bedroom apartment 94 m² in Lisbon

Lisbon, Portugal

740,000 €

Total area 94 m² · 2 bedrooms · 2 bathrooms

4-room villa 1,450 m² in Albufeira

Albufeira, Faro, Portugal

1,750,000 €

Total area 1,450 m² · Land area: 1,450 m² · 4 bathrooms

4-room villa 1,683 m² in Boliqueime

Boliqueime, Faro, Portugal

1,150,000 €

Total area 1,683 m² · Land area: 1,683 m² · 6 bathrooms

Furnished

1-bedroom apartment 72 m² in Lisbon

Lisbon, Portugal

670,000 €

Total area 72 m² · 1 bedroom · 1 bathroom

Furnished

1-bedroom apartment 78 m² in Lisbon

Lisbon, Portugal

630,000 €

Total area 78 m² · 1 bedroom · 1 bathroom

Furnished

1-bedroom apartment 78 m² in Lisbon

Lisbon, Portugal

650,000 €

Total area 78 m² · 1 bedroom · 1 bathroom

With swimming pool

1-room apartment 78 m² in Estreito da Calheta

Estreito da Calheta, Madeira, Portugal

380,000 €

Total area 78 m² · Land area: 78 m² · 1 bathroom

With swimming pool

2-room apartment in Funchal

Funchal, Madeira, Portugal

750,000 €

3 bathrooms

Residential complex

Residential complex near beaches and golf courses, Algarve, Portugal

Faro City, Faro, Portugal

From 560,000 €

Total 65 units available from the developer

1 bedroom from 560,000 €

2 bedrooms from 850,000 €

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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...