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 purchasing process take place when buying an apartment 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.

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.

24 Coastal Apartments for Sale in Setubal from 420,000 €

Show:

default

Sea view

3-bedroom apartment 198 m² in Grândola

Grândola, Setubal, Portugal

1,270,000 €

Total area 198 m² · 3 bedrooms · 2 bathrooms

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

2-bedroom apartment 118 m² in Grândola

Grândola, Setubal, Portugal

900,000 €

Total area 118 m² · 2 bedrooms · 1 bathroom

Sea view

2-bedroom apartment 179 m² in Grândola

Grândola, Setubal, Portugal

950,000 €

Total area 179 m² · 2 bedrooms · 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

Sea view

2-bedroom apartment 116 m² in Grândola

Grândola, Setubal, Portugal

950,000 €

Total area 116 m² · 2 bedrooms · 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 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

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-room apartment 54 m² in Setubal (city)

Setubal (city), Setubal, Portugal

420,000 €

Total area 54 m² · 1 bathroom

Sea view

1-room apartment 68 m² in Grândola

Grândola, Setubal, Portugal

450,000 €

Total area 68 m² · 1 bathroom

Sea view

1-room apartment 54 m² in Grândola

Grândola, Setubal, Portugal

420,000 €

Total area 54 m² · 1 bathroom

Sea view

1-room apartment 51 m² in Grândola

Grândola, Setubal, Portugal

420,000 €

Total area 51 m² · 1 bathroom

Sea view

1-room apartment 63 m² in Grândola

Grândola, Setubal, Portugal

450,000 €

Total area 63 m² · 1 bathroom

Sea view

1-room apartment 63 m² in Grândola

Grândola, Setubal, Portugal

450,000 €

Total area 63 m² · 1 bathroom

Sea view

1-room apartment 63 m² in Setubal (city)

Setubal (city), Setubal, Portugal

450,000 €

Total area 63 m² · 1 bathroom

Sea view

1-room apartment 68 m² in Setubal (city)

Setubal (city), Setubal, Portugal

450,000 €

Total area 68 m² · 1 bathroom

Sea view

1-room apartment 63 m² in Setubal (city)

Setubal (city), Setubal, Portugal

450,000 €

Total area 63 m² · 1 bathroom

Sea view

1-room apartment 51 m² in Setubal (city)

Setubal (city), Setubal, Portugal

420,000 €

Total area 51 m² · 1 bathroom

Sea view

2-bedroom apartment 116 m² in Grândola

Grândola, Setubal, Portugal

900,000 €

Total area 116 m² · 2 bedrooms

Sea view

3-bedroom apartment 198 m² in Grândola

Grândola, Setubal, Portugal

1,270,000 €

Total area 198 m² · 3 bedrooms

Similar facilities nearby

New low-rise residence with two swimming pools and a spa area 500 meters from the sea, Paphos, Cyprus for From 320,000 €

Experts' choice

3 months ago

Residential complex

New low-rise residence with two swimming pools and a spa area 500 meters from the sea, Paphos, Cyprus

Tomb of the Kings, Paphos, Cyprus

From 320,000 €

Total 88 units available from the developer

Completion in: 2028.IV

Studios from 320,000 €

1 bedroom from 510,000 €

2 bedrooms from 710,000 €

3 bedrooms from 1,150,000 €

Apartments in a high-rise residence on the seafront with swimming pools and a spa center, Limassol, Cyprus for From 845,000 €

First line to the sea!

2 weeks ago

Residential complex

Apartments in a high-rise residence on the seafront with swimming pools and a spa center, Limassol, Cyprus

Limassol, Cyprus

From 845,000 €

Total 330 units available from the developer

Completion in: 2027.I

1 bedroom from 845,000 €

3 bedrooms from 1,125,000 €

4 bedrooms from 3,998,000 €

5 bedrooms from 11,655,000 €

6 bedrooms from 16,845,000 €

New stylish residential complex with a swimming pool and a gym 250 meters from the beach, Agios Tychonas, Cyprus for From 510,000 €

Close to the sea!

3 months ago

Residential complex

New stylish residential complex with a swimming pool and a gym 250 meters from the beach, Agios Tychonas, Cyprus

Agios Tychonas, Limassol, Cyprus

From 510,000 €

Total 44 units available from the developer

Completion in: 2026.IV

Studios from 510,000 €

1 bedroom from 530,000 €

2 bedrooms from 820,000 €

3 bedrooms from 1,060,000 €

Large gated complex of villas with swimming pools at 300 meters from the beaches, Oroklini, Larnaca, Cyprus for From 724,000 €

Close to the beach!

3 months ago

Residential complex

Large gated complex of villas with swimming pools at 300 meters from the beaches, Oroklini, Larnaca, Cyprus

Oroklini, Larnaca, Cyprus

From 724,000 €

Total 89 units available from the developer

Completion in: 2027.II

Villas from 724,000 €

New residence close to the beach and the airport, Mandria, Paphos, Cyprus for From 350,000 €

2 weeks ago

Residential complex

New residence close to the beach and the airport, Mandria, Paphos, Cyprus

Paphos, Cyprus

From 350,000 €

Total 47 units available from the developer

Built in 2025

Villas from 350,000 €

Villas in a gated community 100 meters from the sea, Chloraka, Cyprus for From 1,750,000 €

Step away from the beach

Residential complex

Villas in a gated community 100 meters from the sea, Chloraka, Cyprus

Chloraka, Paphos, Cyprus

From 1,750,000 €

Total 5 units available from the developer

Completion in: 2027.I

Villas from 1,750,000 €

Residential complex

Apartments in a modern residential complex with swimming pools, Cascais, Portugal

Cascais, Lisbon, Portugal

From 1,200,000 €

Total 15 units available from the developer

3 bedrooms from 1,200,000 €

Modern residence with a swimming pool at 170 meters from the sea, Piraeus, Greece for From 335,000 €

ROI - 3,8%

2 days ago

Residential complex

Modern residence with a swimming pool at 170 meters from the sea, Piraeus, Greece

Piraeus, Attica, Greece

From 335,000 €

Total 159 units available from the developer

Completion in: 2027.IV

1 bedroom from 335,000 €

2 bedrooms from 369,000 €

First-class residence with a rooftop swimming pool and restaurant near the beach, Piraeus, Greece for From 250,000 €

ROI - 5%

2 weeks ago

Residential complex

First-class residence with a rooftop swimming pool and restaurant near the beach, Piraeus, Greece

Piraeus, Attica, Greece

From 250,000 €

Total 41 units available from the developer

Built in 2026

1 bedroom from 250,000 €

Gated residence with swimming pools at 600 meters from the sea, Halkidiki, Greece for From 185,000 €

ROI - 4%

Residential complex

Gated residence with swimming pools at 600 meters from the sea, Halkidiki, Greece

Chalkidiki (Halkidiki), Administration of Macedonia and Thrace, Greece

From 185,000 €

Total 12 units available from the developer

Built in 2023

1 bedroom from 185,000 €

Villas from 348,000 €

Beautiful residence at 200 meters from the beach, Santorini, Greece for From 395,000 €

3 months ago

Residential complex

Beautiful residence at 200 meters from the beach, Santorini, Greece

Santorini, Aegean Isles, Greece

From 395,000 €

Total 32 units available from the developer

Villas from 395,000 €

3 months ago

Residential complex

Residential complex with a swimming pool and gardens at 50 meters from the sea, Paros, Greece

Paros, Aegean Isles, Greece

From 270,000 €

Total 10 units available from the developer

1 bedroom from 270,000 €

2 bedrooms from 355,000 €

3 bedrooms from 560,000 €

Villas from 410,000 €

Sea view

Premium flat with garden and swimming pool, close to the beach and town centre, Varkiza, Attica, Greece

Varkiza, Attica, Greece

2,900,000 €

Total area 305 m²

Sea view

Flat in a small complex with garden and swimming pool, 20 m to the sea, Varkiza, Attica, Greece

Varkiza, Attica, Greece

3,500,000 €

Total area 340 m²

Penthouse with swimming pool and sea view, 200 meters to the city centre, Varkiza, Attica, Greece

Varkiza, Attica, Greece

7,500,000 €

Total area 485 m²

Spacious penthouse with swimming pool and roof terrace, Varkiza, Attica, Greece

Varkiza, Attica, Greece

3,200,000 €

Total area 295 m² · 3 bedrooms

Sea view

Premium flat with sea view and green hills, Varkiza, Atika, Greece

Varkiza, Attica, Greece

1,600,000 €

Total area 176 m² · 2 bedrooms

Sea view

Large premium apartment with garden and swimming pool, Varkiza, Attica, Greece

Varkiza, Attica, Greece

1,300,000 €

Total area 167 m² · Land area: 280 m²

Residential complex

New residential complex with two swimming pools at 100 meters from the sea, Nikiti, Greece

Nikiti, Administration of Macedonia and Thrace, Greece

From 670,000 €

Total 20 units available from the developer

Built in 2025

Villas from 670,000 €

Residential complex

New residence with two swimming pools and lounge areas at 650 meters from the sea, Kallithea, Greece

Kallithea, Chalkidiki (Halkidiki), Administration of Macedonia and Thrace, Greece

From 172,000 €

Total 56 units available from the developer

Built in 2026

1 bedroom from 172,000 €

2 bedrooms from 205,000 €

New residence with a swimming pool near the sea, Voula, Greece for From 1,630,000 €

2 weeks ago

Residential complex

New residence with a swimming pool near the sea, Voula, Greece

Voula, Attica, Greece

From 1,630,000 €

Total 8 units available from the developer

Completion in: 2027.III

3 bedrooms from 1,630,000 €

Residential complex

Complex of furnished apartments at 750 meters from the port, in the center of Piraeus, Greece

Piraeus, Attica, Greece

From 117,000 €

Total 37 units available from the developer

Studios from 117,000 €

Residential complex

New apartments just 250 meters from the sea, Punta Prima, Alicante, Spain

Torrevieja, Valencia, Spain

From 304,000 €

Total 250 units available from the developer

Completion in: 2027.I

2 bedrooms from 304,000 €

3 bedrooms from 404,000 €

Residential complex

New residential complex just 500 meters from the beach, El Verger, Alicante, Spain

Denia, Valencia, Spain

From 318,000 €

Total 280 units available from the developer

Completion in: 2027.I

2 bedrooms from 318,000 €

Residential complex

Modern complex just 800 m from El Pinet beach, La Marina, Alicante, Spain

La Marina, Valencia, Spain

From 246,000 €

Total 64 units available from the developer

Completion in: 2027.I

2 bedrooms from 246,000 €

1-25 of 4009 listings, page 1 of 161

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...

Coastal apartments for sale in Setubal