Can foreign nationals take out mortgage loans in Setubal?

Yes, non-residents can be issued a mortgage loan to buy property in Setubal. 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 Setubal?

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 Setubal?

The utility costs vary across locations. For example, an average bill for an 50–60 m² apartment totals about € 100-130 per month.

Can Portuguese residency be obtained through buying real estate?

Yes, there is a residency by investment or Golden Visa programme in Portugal. Those buying newly or relatively recently built properties for at least € 500,000 and properties built over 30 years ago for at least € 350,000 become eligible for residency.

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 Setubal

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Buy-to-let apartments with a swimming pool and view of the Tagus river, Alcochete, Setubal, Portugal for From 335,000 €

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

From 335,000 €

From £292,000

Built in 2019Total of 60 apartments

Residential complex

Duplex apartment for a residence permit, with a terrace and a jacuzzi, Troia Peninsula, Portugal for 699,000 €

For a residence permit

Duplex apartment for a residence permit, with a terrace and a jacuzzi, Troia Peninsula, Portugal

699,000 €

£610,000

Total area 203 m²2 bedrooms2 bathrooms

Residence by investment in 2022

Golden Visa for buying a share in a hotel in Lisbon, Portugal

350,000 € · Equity buy back in 6 years

Portugal’s state programme;
Eligible for citizenship in 5 years;
High return investment.

Furnished apartment with a garden and a pool at 100 meters from the beach, Setúbal, Portugal for 798,000 €

With swimming pool

Furnished apartment with a garden and a pool at 100 meters from the beach, Setúbal, Portugal

798,000 €

£696,000

Total area 110 m²Land area: 135 m²2 bedrooms2 bathrooms

Furnished apartment with a garden and views of the Tagus River in Alcochete, Setubal, Portugal for 500,000 €

Furnished apartment with a garden and views of the Tagus River in Alcochete, Setubal, Portugal

500,000 €

£436,000

Total area 118 m²Land area: 34 m²2 bedrooms2 bathrooms

Agricultural – Setubal (city), Setubal, Portugal for 2,500,000 €

Agricultural – Setubal (city), Setubal, Portugal

2,500,000 €

£2,182,000

Total area 702 m² / 7556 ft²Land area: 10144 m² / 109190 ft²8 bedrooms6 bathrooms

Villa – Grândola, Setubal, Portugal for 1,320,000 €

Villa – Grândola, Setubal, Portugal

1,320,000 €

£1,152,000

Total area 260 m² / 2799 ft²Land area: 1053 m² / 11334 ft²4 bedrooms4 bathrooms

Discounted properties upon request

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Apartment – Grândola, Setubal, Portugal for 798,000 €

Apartment – Grândola, Setubal, Portugal

798,000 €

£696,000

Total area 110 m²Land area: 135 m²2 bedrooms2 bathrooms

Agricultural – Setubal (city), Setubal, Portugal for 710,000 €

Agricultural – Setubal (city), Setubal, Portugal

710,000 €

£620,000

Total area 65 m² / 700 ft²Land area: 6250 m² / 67275 ft²4 bedrooms2 bathrooms

Two-bedroom apartment with a garden near the Tagus River in Alcochete, Setubal, Portugal for 415,000 €

Two-bedroom apartment with a garden near the Tagus River in Alcochete, Setubal, Portugal

415,000 €

£362,000

Total area 329 m²Land area: 46 m²2 bedrooms2 bathrooms

Four-room apartment with a garden on the banks of the Tagus River in Alcochete, Setubal, Portugal for 725,000 €

Four-room apartment with a garden on the banks of the Tagus River in Alcochete, Setubal, Portugal

725,000 €

£633,000

Total area 441 m²Land area: 66 m²3 bedrooms3 bathrooms

Two-bedroom apartment overlooking the Tagus River in Alcochete, Setubal, Portugal for 505,000 €

Two-bedroom apartment overlooking the Tagus River in Alcochete, Setubal, Portugal

505,000 €

£441,000

Total area 113 m²2 bedrooms2 bathrooms

New one-bedroom apartment on the embankment of the Tagus River in Alcochete, Setubal, Portugal for 265,000 €

New one-bedroom apartment on the embankment of the Tagus River in Alcochete, Setubal, Portugal

265,000 €

£231,000

Total area 76 m²1 bedroom1 bathroom

Furnished apartment with views of the Tagus River in a prestigious complex, Alcochete, Setubal, Portugal for 335,000 €

Furnished apartment with views of the Tagus River in a prestigious complex, Alcochete, Setubal, Portugal

335,000 €

£292,000

Total area 78 m²1 bedroom1 bathroom

Villa – Setubal (city), Setubal, Portugal for 1,200,000 €

Villa – Setubal (city), Setubal, Portugal

1,200,000 €

£1,047,000

Total area 294 m² / 3165 ft²Land area: 885 m² / 9526 ft²7 bedrooms2 bathrooms

Today

Agricultural – Setubal (city), Setubal, Portugal for 990,000 €

Agricultural – Setubal (city), Setubal, Portugal

990,000 €

£864,000

Total area 300 m² / 3229 ft²Land area: 47000 m² / 505908 ft²5 bedrooms2 bathrooms

Today

Agricultural – Setubal (city), Setubal, Portugal for 950,000 €

Agricultural – Setubal (city), Setubal, Portugal

950,000 €

£829,000

Total area 176 m² / 1894 ft²Land area: 27630 m² / 297409 ft²5 bedrooms3 bathrooms

Villa with a private lake, a garden and a swimming pool, Caparica, Almada, Portugal for 2,500,000 €

Villa with a private lake, a garden and a swimming pool, Caparica, Almada, Portugal

2,500,000 €

£2,182,000

Total area 835 m² / 8988 ft²Land area: 5484 m² / 59030 ft²6 bedrooms

Development land – Grândola, Setubal, Portugal for 1,500,000 €

Development land – Grândola, Setubal, Portugal

1,500,000 €

£1,309,000

Land area: 1,140 m²

Apartment – Setubal (city), Setubal, Portugal for 634,000 €

With swimming pool

Apartment – Setubal (city), Setubal, Portugal

634,000 €

£553,000

Total area 162 m²3 bedrooms4 bathrooms

Apartment – Setubal (city), Setubal, Portugal for 749,000 €

Apartment – Setubal (city), Setubal, Portugal

749,000 €

£654,000

Total area 277 m²

1 month ago

Apartment – Setubal (city), Setubal, Portugal for 755,000 €

With swimming pool

Apartment – Setubal (city), Setubal, Portugal

755,000 €

£659,000

Total area 141 m²3 bedrooms2 bathrooms

House with 200 m² of floor space in 3 small unevenness, and 1,048 m² of land for 1,250,000 €

House with 200 m² of floor space in 3 small unevenness, and 1,048 m² of land

1,250,000 €

£1,091,000

Total area 200 m² / 2153 ft²Land area: 1048 m² / 11281 ft²4 bedrooms3 bathrooms

Apartment – Setubal (city), Setubal, Portugal for 649,000 €

With swimming pool

Apartment – Setubal (city), Setubal, Portugal

649,000 €

£566,000

Total area 161 m²3 bedrooms4 bathrooms

Apartment – Setubal (city), Setubal, Portugal for 423,000 €

With swimming pool

Apartment – Setubal (city), Setubal, Portugal

423,000 €

£369,000

Total area 100 m²2 bedrooms2 bathrooms

Apartment – Setubal (city), Setubal, Portugal for 438,000 €

With swimming pool

Apartment – Setubal (city), Setubal, Portugal

438,000 €

£382,000

Total area 110 m²2 bedrooms2 bathrooms

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Property for sale in Setubal