Can foreign nationals take out mortgage loans in Vila Nova de Gaia?

Yes, non-residents can be issued a mortgage loan to buy property in Vila Nova de Gaia. 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 Vila Nova de Gaia?

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 Vila Nova de Gaia?

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 Vila Nova de Gaia from 302,000 €

Show:

default

1-bedroom apartment 117 m² in Vila Nova de Gaia

Vila Nova de Gaia, Porto, Portugal

325,000 €

Total area 117 m² · 1 bedroom · 1 bathroom

Residential complex

Magnificent residential complex next to the Douro River in Vila Nova de Gaia, Portugal

Vila Nova de Gaia, Porto, Portugal

From 320,000 €

Total 62 units available from the developer

Built in 2026

1 bedroom from 320,000 €

2 bedrooms from 405,000 €

3 bedrooms from 720,000 €

1-bedroom apartment 83 m² in Vila Nova de Gaia

Vila Nova de Gaia, Porto, Portugal

580,000 €

Total area 83 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 117 m² in Vila Nova de Gaia

Vila Nova de Gaia, Porto, Portugal

509,000 €

Total area 117 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 78 m² in Vila Nova de Gaia

Vila Nova de Gaia, Porto, Portugal

548,000 €

Total area 78 m² · 1 bedroom · 1 bathroom

1-bedroom apartment 146 m² in Vila Nova de Gaia

Vila Nova de Gaia, Porto, Portugal

608,000 €

Total area 146 m² · 1 bedroom · 1 bathroom

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.

Book a Consultation

1-bedroom apartment 65 m² in Vila Nova de Gaia

Vila Nova de Gaia, Porto, Portugal

508,000 €

Total area 65 m² · 1 bedroom · 1 bathroom

Residential complex

New residential complex with views of the Douro River and the ocean in Vila Nova de Gaia, Portugal

Vila Nova de Gaia, Porto, Portugal

From 302,000 €

Total 140 units available from the developer

Built in 2026

Studios from 302,000 €

1 bedroom from 421,000 €

2 bedrooms from 630,000 €

4 bedrooms from 1,950,000 €

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 82 m² in Grândola

Grândola, Setubal, Portugal

550,000 €

Total area 82 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 99 m² in Grândola

Grândola, Setubal, Portugal

550,000 €

Total area 99 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

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

1-25 of 184 listings, page 1 of 8

Tranio’s client cases

All cases

18 January 2016
Property in Portugal: buy in winter to enjoy in summer says this buyer
A flat in Portugal is a dream for many, but property-hunters had better take their time and shouldn’t buy during the summer according to this flat-owner. Here’s why…
18 March 2026
Turnkey EU Residence Permit: How a Family Bought an Apartment in Tranio’s Filosofia Project and Received a Greek...
In 2025, a family came to us: a married couple and their adult son. Their goal was to obtain a European residence permit. Initially, they were choosing between Cyprus and Greece. Ultimately, the Greek Golden Visa programme...
29 July 2025
From Old Office to Modern Apartment: Securing Property and a Greek Residence Permit in Five Months under the...
Once again, a Tranio client has chosen Greece Golden Visa programme as the most affordable European residency option through real estate investment. The programme was revised in 2024. Now, the most accessible route is through...
14 July 2025
London as a Second Home: Three Families Buy Apartments for Their Student Children
In recent months, we have received three similar requests to source property in London. This article features real client stories and a look at how property is purchased in the UK capital with Tranio.
06 May 2025
The Art of Renovation in Northern Athens and One-Stop-Shop Service of Tranio Hellas: Why Investor Bought Apartment...
Tranio has been operating in the Greek property market since 2010, selecting homes for clients from trusted partners across different regions — both in cities and in coastal resort locations.
28 February 2025
The Master Key: How a Tranio Client Optimised Taxes Through Real Estate Investment in Cyprus
Cyprus is one of the most sought-after destinations for tax optimisation, offering a transparent legal framework, full EU membership, and attractive conditions for foreign investors.
28 February 2025
The Final Lap: Returns Secured by Investors in The Community, Motor City
In October 2022, Tranio proudly unveiled a co-investment opportunity in The Community, a residential development in Motor City. This exclusive proposition invited discerning partners and clients to engage at the project’s...
21 February 2025
Exploring Oman's Office Real Estate Market: A Client's Perspective
Economic diversification has long been a priority for Gulf nations, with each country adopting its own strategy. The UAE leverages soft power and flexibility, Saudi Arabia pursues an aggressive approach with ambitious megaprojects...
13 May 2024
Tranio client's experience: apartment on the French Riviera and obtaining a residence permit for financially...
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
Tranio case: buying an apartment in Madrid and obtaining Spain Golden Visa
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...

1 bedroom apartments for sale in Vila Nova de Gaia