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.

106 Apartments for Sale with Swimming Pool in Porto from 320,000€

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Spacious apartment in a new residence with a garden and a swimming pool, in the historic center of Porto, Portugal for 550,000 €

Spacious apartment in a new residence with a garden and a swimming pool, in the historic center of Porto, Portugal

550,000 €

£474,000

Total area 179 m²2 bedrooms

Luxury T3 Apartment with Pool for 725,000 €

With swimming pool

Luxury T3 Apartment with Pool

725,000 €

£625,000

Total area 251 m²3 bedrooms3 bathrooms

3% discount on apartments

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

From 119,000 €

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

Residential complex

Luxury T3 Apartment with Pool for 795,000 €

With swimming pool

Luxury T3 Apartment with Pool

795,000 €

£685,000

Total area 310 m²3 bedrooms3 bathrooms

Triplex with 3 bedrooms in gated condominium, with private rooftop pool, 3 garage spaces and storage for 1,300,000 €

With swimming pool

Triplex with 3 bedrooms in gated condominium, with private rooftop pool, 3 garage spaces and storage

1,300,000 €

£1,120,000

Total area 352 m²3 bedrooms4 bathrooms

Luxury two-bedroom flat in the centre of Porto for 1,000,000 €

With swimming pool

Luxury two-bedroom flat in the centre of Porto

1,000,000 €

£862,000

Total area 110 m²2 bedrooms2 bathrooms

3 bedroom duplex apartment with swimming pool in Canidelo for 1,260,000 €

With swimming pool

3 bedroom duplex apartment with swimming pool in Canidelo

1,260,000 €

£1,086,000

Total area 246 m²3 bedrooms

Discounted apartments and new-builds upon request

Send us an enquiry, we will find advantageous offers for you

Send a discount enquiry

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Client manager

We find off-market properties
We organise viewings
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Spacious apartment in a new complex with a swimming pool, Porto, Portugal for 1,450,000 €

With swimming pool

Spacious apartment in a new complex with a swimming pool, Porto, Portugal

1,450,000 €

£1,249,000

Total area 161 m²3 bedrooms

Spacious apartment in a new complex with a swimming pool, Porto, Portugal for 1,475,000 €

With swimming pool

Spacious apartment in a new complex with a swimming pool, Porto, Portugal

1,475,000 €

£1,271,000

Total area 176 m²3 bedrooms

Spacious apartment in a new complex with a swimming pool, Porto, Portugal for 1,775,000 €

With swimming pool

Spacious apartment in a new complex with a swimming pool, Porto, Portugal

1,775,000 €

£1,529,000

Total area 195 m²4 bedrooms

Vale Formoso 52 — T2 Duplex for 375,000 €

With swimming pool

Vale Formoso 52 — T2 Duplex

375,000 €

£323,000

Total area 82 m²2 bedrooms1 bathroom

Vale Formoso 52 — T2 Duplex for 345,000 €

With swimming pool

Vale Formoso 52 — T2 Duplex

345,000 €

£297,000

Total area 81 m²2 bedrooms1 bathroom

Magnificent 1-bedr. apartment in Matosinhos. for 449,000 €

With swimming pool

Magnificent 1-bedr. apartment in Matosinhos.

449,000 €

£387,000

Total area 118 m²2 bedrooms1 bathroom

Modern apartment in a residence with a paddle tennis court, Porto, Portugal for 995,000 €

With swimming pool

Modern apartment in a residence with a paddle tennis court, Porto, Portugal

995,000 €

£857,000

Total area 133 m²3 bedrooms

2 bedroom flat — OCTE flat block development for 579,000 €

With swimming pool

2 bedroom flat — OCTE flat block development

579,000 €

£499,000

Total area 118 m²2 bedrooms2 bathrooms

2 bedroom flat — OCTE flat block development for 629,000 €

With swimming pool

2 bedroom flat — OCTE flat block development

629,000 €

£542,000

Total area 119 m²2 bedrooms2 bathrooms

2 bedroom flat — OCTE flat block development for 689,000 €

With swimming pool

2 bedroom flat — OCTE flat block development

689,000 €

£594,000

Total area 132 m²2 bedrooms2 bathrooms

2 bedroom flat — OCTE flat block development for 599,000 €

With swimming pool

2 bedroom flat — OCTE flat block development

599,000 €

£516,000

Total area 118 m²2 bedrooms2 bathrooms

4 bedroom flat — OCTE flat block development for 910,000 €

With swimming pool

4 bedroom flat — OCTE flat block development

910,000 €

£784,000

Total area 209 m²4 bedrooms4 bathrooms

4 bedroom flat — OCTE flat block development for 930,000 €

With swimming pool

4 bedroom flat — OCTE flat block development

930,000 €

£801,000

Total area 213 m²4 bedrooms4 bathrooms

3 bedroom flat — OCTE flat block development for 999,000 €

With swimming pool

3 bedroom flat — OCTE flat block development

999,000 €

£861,000

Total area 186 m²3 bedrooms3 bathrooms

4 bedroom flat — OCTE flat block development for 950,000 €

With swimming pool

4 bedroom flat — OCTE flat block development

950,000 €

£819,000

Total area 210 m²4 bedrooms3 bathrooms

With swimming pool

4 bedroom flat — OCTE flat block development

950,000 €

£819,000

Total area 193 m²4 bedrooms3 bathrooms

2 bedroom flat — OCTE flat block development for 650,000 €

With swimming pool

2 bedroom flat — OCTE flat block development

650,000 €

£560,000

Total area 115 m²2 bedrooms2 bathrooms

2 bedroom flat — OCTE flat block development for 589,000 €

With swimming pool

2 bedroom flat — OCTE flat block development

589,000 €

£508,000

Total area 132 m²2 bedrooms2 bathrooms

2 bedroom flat — OCTE flat block development for 690,000 €

With swimming pool

2 bedroom flat — OCTE flat block development

690,000 €

£595,000

Total area 132 m²2 bedrooms2 bathrooms

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Spanish real estate has consistently been in high demand in the past few decades.
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From renting to permanent residence: a Tranio client's story of buying an apartment in Cyprus
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What they say about Tranio

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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.
Original letter

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.
Original letter

Z. Farkas, Mundial AG
We are glad to have a partnership with Tranio! It offers a vast online property base and the best services.

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Apartments for sale with swimming pool in Porto

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