Can foreign nationals take out mortgage loans in Almada?

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

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 Almada?

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.

Luxury Property for Sale in Almada

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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 €

£2,155,000

Total area 835 m²Land area: 5,484 m²6 bedrooms

90 m long swimming pool!

The Community — investment apartments by Aqua Properties with 9,5% yield per annum in the center of the developing area of Motor City, Dubai

From 128,000 €

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

Residential complex

Similar facilities nearby

Modern apartments with terraces, a swimming pool and river view, Belem, Lisbon, Portugal

From 1,100,000 €

Built in 2021Total of 57 apartments

Apartments in an elite complex, Lisbon, Portugal

From 616,000 €

Built in 2021Total of 36 apartments

Buy-to-let apartments with a guaranteed yield of 5% in a modern residential complex, Belem, Lisbon, Portugal

From 770,000 €

Built in 2021Total of 97 apartments

Four-room new apartment overlooking the Tagus River, Belem, Lisbon, Portugal

1,750,000 €

Total area 174 m²3 bedrooms3 bathrooms

Historic villa with a swimming pool, a garden and a view of the sea in a prestigious area, Funchal, Portugal

2,500,000 €

Total area 1,200 m²Land area: 1,200 m²4 bedrooms5 bathrooms

Exclusive two-storey villa with panoramic ocean views, Madeira, Portugal

1,980,000 €

Total area 420 m²Land area: 600 m²4 bedrooms6 bathrooms

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

2,500,000 €

Total area 260 m²3 bedrooms3 bathrooms

Elite villa with a pool with a 5% yield, Algarve, Portugal

4,500,000 €

Total area 486 m²4 bedrooms4 bathrooms

New villa with a pool and sea views in Lagos, Faro, Portugal

2,300,000 €

Land area: 731 m²5 bedrooms6 bathrooms

Luxury villa with a swimming pool, a garden and lounge areas, Galé, Portugal

3,500,000 €

Land area: 8,860 m²4 bedrooms5 bathrooms

Elite apartment in a gated complex with a golf course, Cascais, Portugal

2,000,000 €

With swimming pool

Total area 210 m²4 bedrooms

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

From 630,000 €

Built in 2022Total of 150 apartments

Apartment – Lisbon, Portugal

1,750,000 €

Total area 309 m²Land area: 351 m²5 bedrooms5 bathrooms

Apartment – Cascais, Lisbon, Portugal

3,150,000 €

Sea view

Total area 260 m²Land area: 315 m²4 bedrooms4 bathrooms

Villa – Leiria, Portugal

1,500,000 €

Total area 190 m²Land area: 881 m²3 bedrooms3 bathrooms

Villa – Alcabideche, Lisbon, Portugal

1,670,000 €

Total area 170 m²Land area: 370 m²3 bedrooms5 bathrooms

Villa – Lisbon, Portugal

7,500,000 €

Total area 1,188 m²Land area: 2,780 m²6 bedrooms7 bathrooms

Apartment – Lisbon, Portugal

2,735,000 €

Total area 467 m²Land area: 519 m²6 bedrooms7 bathrooms

Villa – Leiria, Portugal

1,500,000 €

Total area 185 m²Land area: 1,059 m²3 bedrooms3 bathrooms

Apartment – Lisbon, Portugal

1,890,000 €

Total area 130 m²Land area: 160 m²3 bedrooms3 bathrooms

Villa – Alcabideche, Lisbon, Portugal

1,590,000 €

Total area 170 m²Land area: 340 m²3 bedrooms5 bathrooms

Villa – Lisbon, Portugal

1,800,000 €

Total area 374 m²Land area: 565 m²6 bedrooms5 bathrooms

Villa – Cascais, Lisbon, Portugal

5,100,000 €

Total area 475 m²Land area: 900 m²6 bedrooms7 bathrooms

Villa – Evora, Alentejo Region, Portugal

1,500,000 €

Total area 695 m²Land area: 1,758 m²6 bedrooms3 bathrooms

Apartment – Lisbon, Portugal

2,500,000 €

Total area 186 m²Land area: 251 m²3 bedrooms1 bathroom

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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.

Quality Villas

Luxury property for sale in Almada