Can foreign nationals take out mortgage loans in Porto (city)?

Yes, non-residents can be issued a mortgage loan to buy property in Porto (city). 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 Porto (city)?

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 (city)?

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 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 Porto (city), Buy Real Estate from 310,000€

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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

Apartments in the city center, with a guaranteed yield of 3.5%, Porto, Portugal for From 350,000 €

Apartments in the city center, with a guaranteed yield of 3.5%, Porto, Portugal

From 350,000 €

From £301,000

Total of 41 apartments

Residential complex

3% discount on apartments

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

From 120,000 €

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

Residential complex

Apartments with a river view in the historic part of the city, Porto, Portugal for From 365,000 €

Apartments with a river view in the historic part of the city, Porto, Portugal

From 365,000 €

From £314,000

Total of 17 apartments

Residential complex

New apartment for a residence permit in a historic building, in the center of Porto, Portugal for 360,000 €

New apartment for a residence permit in a historic building, in the center of Porto, Portugal

360,000 €

£310,000

Total area 48 m²1 bedroom1 bathroom

Renovated historic residence in the heart of Porto, Portugal for From 530,000 €

Renovated historic residence in the heart of Porto, Portugal

From 530,000 €

From £456,000

Total of 32 apartments

Residential complex

Three-storey villa with a panoramic view and stables, Amarante, Portugal for 750,000 €

Three-storey villa with a panoramic view and stables, Amarante, Portugal

750,000 €

£646,000

Total area 318 m²Land area: 5,000 m²7 bedrooms6 bathrooms

Discounted properties upon request

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

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Client manager

We find off-market properties
We organise viewings
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Building for reconstruction in Porto, Portugal for 375,000 €

Building for reconstruction in Porto, Portugal

375,000 €

£323,000

New two-bedroom apartment, Bonfim, Porto, Portugal for 390,000 €

New two-bedroom apartment, Bonfim, Porto, Portugal

390,000 €

£336,000

Total area 94 m²2 bedrooms2 bathrooms

3-bedrooms apartment 152 m² in Porto (city), Portugal for 675,000 €

3-bedrooms apartment 152 m² in Porto (city), Portugal

675,000 €

£581,000

Total area 152 m²3 bedrooms3 bathrooms

2-bedrooms apartment 128 m² in Porto (city), Portugal for 485,000 €

2-bedrooms apartment 128 m² in Porto (city), Portugal

485,000 €

£418,000

Total area 128 m²2 bedrooms2 bathrooms

2-bedrooms apartment 106 m² in Porto (city), Portugal for 416,000 €

2-bedrooms apartment 106 m² in Porto (city), Portugal

416,000 €

£359,000

Total area 106 m²2 bedrooms2 bathrooms

2-bedrooms apartment 90 m² in Porto (city), Portugal for 350,000 €

2-bedrooms apartment 90 m² in Porto (city), Portugal

350,000 €

£301,000

Total area 90 m²2 bedrooms2 bathrooms

3-bedrooms apartment 137 m² in Porto (city), Portugal for 607,000 €

3-bedrooms apartment 137 m² in Porto (city), Portugal

607,000 €

£523,000

Total area 137 m²3 bedrooms3 bathrooms

3-bedrooms apartment 134 m² in Porto (city), Portugal for 582,000 €

3-bedrooms apartment 134 m² in Porto (city), Portugal

582,000 €

£501,000

Total area 134 m²3 bedrooms3 bathrooms

3-bedrooms apartment 124 m² in Porto (city), Portugal for 518,000 €

3-bedrooms apartment 124 m² in Porto (city), Portugal

518,000 €

£446,000

Total area 124 m²3 bedrooms3 bathrooms

3-bedrooms apartment 167 m² in Porto (city), Portugal for 705,000 €

3-bedrooms apartment 167 m² in Porto (city), Portugal

705,000 €

£607,000

Total area 167 m²3 bedrooms3 bathrooms

2-bedrooms apartment 106 m² in Porto (city), Portugal for 417,000 €

2-bedrooms apartment 106 m² in Porto (city), Portugal

417,000 €

£359,000

Total area 106 m²2 bedrooms2 bathrooms

3-bedrooms apartment 136 m² in Porto (city), Portugal for 628,000 €

3-bedrooms apartment 136 m² in Porto (city), Portugal

628,000 €

£541,000

Total area 136 m²3 bedrooms3 bathrooms

T4+1 Duplex Apartment

2,090,000 €

£1,800,000

Total area 286 m²Land area: 386 m²4 bedrooms3 bathrooms

T4+1 Duplex Apartment with Patio for 2,005,000 €

T4+1 Duplex Apartment with Patio

2,005,000 €

£1,727,000

Total area 287 m²Land area: 390 m²4 bedrooms3 bathrooms

T4+1 Duplex Apartment

2,090,000 €

£1,800,000

Total area 286 m²Land area: 386 m²4 bedrooms4 bathrooms

T3+1 Duplex Apartment with Patio for 1,745,000 €

T3+1 Duplex Apartment with Patio

1,745,000 €

£1,503,000

Total area 247 m²Land area: 345 m²3 bedrooms3 bathrooms

T4+1 Duplex Apartment with Patio

2,005,000 €

£1,727,000

Total area 286 m²Land area: 386 m²4 bedrooms3 bathrooms

T4+1 Duplex Apartment with Patio

2,005,000 €

£1,727,000

Total area 287 m²Land area: 390 m²4 bedrooms4 bathrooms

T3+1 Duplex Apartment with Patio for 1,800,000 €

T3+1 Duplex Apartment with Patio

1,800,000 €

£1,550,000

Total area 250 m²Land area: 357 m²3 bedrooms3 bathrooms

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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.
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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.
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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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Property for sale in Porto (city)