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 purchasing process take place when buying an apartment 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 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.

1 Bedroom Apartments for Sale in Porto (city) from 313,000 €

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1-bedroom apartment 154 m² in Porto (city)

Porto (city), Porto, Portugal

710,000 €

Total area 154 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 69 m² in Porto (city)

Porto (city), Porto, Portugal

320,000 €

Total area 69 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 77 m² in Porto (city)

Porto (city), Porto, Portugal

355,000 €

Total area 77 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 108 m² in Porto (city)

Porto (city), Porto, Portugal

450,000 €

Total area 108 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 72 m² in Porto (city)

Porto (city), Porto, Portugal

350,000 €

Total area 72 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 59 m² in Porto (city)

Porto (city), Porto, Portugal

425,000 €

Total area 59 m² · 1 bedroom · 1 bathroom

Elvira Gracheva

Head of Sales Tranio Europe

Tranio Projects for Profitable Investments

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1-bedroom apartment 123 m² in Porto (city)

Porto (city), Porto, Portugal

480,000 €

Total area 123 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 76 m² in Porto (city)

Porto (city), Porto, Portugal

430,000 €

Total area 76 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 40 m² in Porto (city)

Porto (city), Porto, Portugal

375,000 €

Total area 40 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 62 m² in Porto (city)

Porto (city), Porto, Portugal

450,000 €

Total area 62 m² · 1 bedroom · 1 bathroom

Residential complex

New apartments in the historic center of Porto, Portugal

Porto (city), Porto, Portugal

From 400,000 €

Total 11 units available from the developer

Built in 2023

1 bedroom from 400,000 €

2 bedrooms from 650,000 €

3 bedrooms from 1,250,000 €

1-bedroom apartment 104 m² in Porto (city)

Porto (city), Porto, Portugal

550,000 €

Total area 104 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 65 m² in Porto (city)

Porto (city), Porto, Portugal

325,000 €

Total area 65 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 53 m² in Porto (city)

Porto (city), Porto, Portugal

405,000 €

Total area 53 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 101 m² in Porto (city)

Porto (city), Porto, Portugal

340,000 €

Total area 101 m² · 1 bedroom · 2 bathrooms

1-bedroom apartment 71 m² in Porto (city)

Porto (city), Porto, Portugal

320,000 €

Total area 71 m² · 1 bedroom · 2 bathrooms

1-bedroom apartment 88 m² in Porto (city)

Porto (city), Porto, Portugal

660,000 €

Total area 88 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 68 m² in Porto (city)

Porto (city), Porto, Portugal

370,000 €

Total area 68 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 64 m² in Porto (city)

Porto (city), Porto, Portugal

360,000 €

Total area 64 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 78 m² in Porto (city)

Porto (city), Porto, Portugal

495,000 €

Total area 78 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 61 m² in Porto (city)

Porto (city), Porto, Portugal

313,000 €

Total area 61 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 54 m² in Porto (city)

Porto (city), Porto, Portugal

430,000 €

Total area 54 m² · 1 bedroom · 1 bathroom

With swimming pool

1-bedroom apartment 102 m² in Porto (city)

Porto (city), Porto, Portugal

420,000 €

Total area 102 m² · 1 bedroom

Residential complex

Residential complex with a terrace and a garden, Porto, Portugal

Porto (city), Porto, Portugal

From 436,000 €

Total 16 units available from the developer

Studios from 436,000 €

Residential complex

Residential complex with the river and city views, Porto, Portugal

Porto (city), Porto, Portugal

From 509,000 €

Total 17 units available from the developer

1 bedroom from 509,000 €

2 bedrooms from 601,000 €

Similar facilities nearby

New one-bedroom apartment next to the Tagus River, Lisbon, Portugal

Lisbon, Portugal

660,000 €

Total area 72 m² · 1 bedroom · 1 bathroom

With swimming pool

New apartment in a building with a swimming pool near the river in Lisbon, Portugal

Lisbon, Portugal

555,000 €

Total area 56 m² · 1 bedroom · 1 bathroom

With swimming pool

New apartment with a large terrace in Campolide, Lisbon, Portugal

Lisbon, Portugal

785,000 €

Total area 131 m² · 1 bedroom · 1 bathroom

Residential complex

Apartments in a renovated historical building, central Lisbon, Portugal

Lisbon, Portugal

From 660,000 €

Total 12 units available from the developer

Built in 2026

1 bedroom from 660,000 €

2 bedrooms from 930,000 €

Residential complex

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 €

Residential complex

Exclusive residential complex on the banks of the Tagus River, Lisbon, Portugal

Lisbon, Portugal

From 650,000 €

Total 214 units available from the developer

Built in 2025

1 bedroom from 650,000 €

2 bedrooms from 800,000 €

3 bedrooms from 1,600,000 €

4 bedrooms from 1,650,000 €

5 bedrooms from 4,750,000 €

Residential complex

Modern residential complex with a garden and a parking in the center of Lisbon, Portugal

Lisbon, Portugal

From 290,000 €

Total 52 units available from the developer

Built in 2026

Studios from 290,000 €

3 bedrooms from 1,200,000 €

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 €

Residential complex

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 €

Luxury property

One-bedroom apartment with a river-view in a new residential complex with a panoramic roof-top swimming pool, Lisbon, Portugal

Lisbon, Portugal

785,000 €

Total area 132 m² · 1 bedroom · 2 bathrooms

New buy-to-let apartments with a guaranteed yield of 5%, Lisbon, Portugal

Lisbon, Portugal

770,000 €

Total area 81 m² · 1 bedroom · 1 bathroom · Yield 5.0%

One-bedroom buy-to-let apartment with a guaranteed yield of 5%, in a newly-built residential complex, Lisbon, Portugal

Lisbon, Portugal

820,000 €

Total area 87 m² · 1 bedroom · 2 bathrooms

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 Setubal (city)

Setubal (city), 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

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 99 m² in Setubal (city)

Setubal (city), Setubal, Portugal

550,000 €

Total area 99 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

Residential complex

Apartments overlooking the Tagus River in a new complex, Belen, Lisbon, Portugal

Lisbon, Portugal

From 630,000 €

Total 150 units available from the developer

Built in 2022

1 bedroom from 630,000 €

2 bedrooms from 720,000 €

3 bedrooms from 1,750,000 €

With swimming pool

1-bedroom apartment 110 m² in Loule

Loule, Faro, Portugal

780,000 €

Total area 110 m² · 1 bedroom · 1 bathroom

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 €

With swimming pool

1-bedroom apartment 59 m² in Lisbon

Lisbon, Portugal

538,000 €

Total area 59 m² · Land area: 72 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 77 m² in Lisbon

Lisbon, Portugal

920,000 €

Total area 77 m² · Land area: 93 m² · 1 bedroom · 1 bathroom

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1 bedroom apartments for sale in Porto (city)